Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Hi I recieved a letter from Egg yesterday asking me for a utility bill or some Identification before they can send out my statements...is this normal or delay tactics.......
Live Long and Prosper!! Dont let the BxxxxxxS get you down....
Claiming back Barclays £1968.00 Egg £100 MBNA £343.80 Recovered so far £140
Yep - although they had accept secure message as proof of ID. But they sent my orginal back yesterday now waiting for statements and manual intervention info
Egg Data Protection Act Statements arrived. On hold.
Halifax - Moneyclaim £3100
Amex to Remove Default - acknowledged didn't issue correct documents - default removed . £135 paid in full without Court
Got another letter from Egg yesterday returning my utility bill and stating that the statements will be with me within 40 calender days????? Now didnt they say that in their last letter they seem to be moving the start of the 40 days with each letter, if this aint a delay tactis i dont know what is.....Should i write a letter asking them to stick to my original timetable from when i sent the DPA letter or should i just wait?
Live Long and Prosper!! Dont let the BxxxxxxS get you down....
Claiming back Barclays £1968.00 Egg £100 MBNA £343.80 Recovered so far £140
I would just wait and stick to your original timetable. Maybe a few days before your deadline you could remind them that they only have, for example, 10 days left.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Yes, remind them that it is YOUR timetable and state when it started and when it finishes (get it right ) then state that if they are late they are in breach of the Data Protection Act and you will immediately issue a letter before action giving them only five says in which to comply - after that you will immediately issue a claim against them in the county court where they will be liable for costs and embarrassment a plenty - you will also make a formal complaint to the Information Commissioner.
I am just about to send Egg this letter reminding them that i still havent recieved my statements, below is the paragraph im thinking of sending, could someone please have a look and maybe edit it if it needs it cheers...
I am writing with regards to a Data Protection Subject access request. I recently sent you a letter dated the 24th June 2006 requesting my last 6 years statements, along with the letter I sent a £10 fee to cover any costs, I have also sent a utility bill which you requested for identity purposes. May I remind you that in my later dated 24th June 2006 I gave you 40 days in which to send me the statements, on the 3rd August the 40 day period will be up. Could I also please point out that if the statements do not reach me by the 3rd August 2006 then Egg are in breach of the Data Protection Act and I will be forced to issue Egg with a letter before action in which to comply, after the 3rd August 2006 I will immediately issue a claim against Egg in the county court where Egg will be liable for costs. :-|
Live Long and Prosper!! Dont let the BxxxxxxS get you down....
Claiming back Barclays £1968.00 Egg £100 MBNA £343.80 Recovered so far £140
I have found a template in the library that I can use as a reminder.
I just need some clariication, If for example I sent a letter dated the 1st July 2006, do they have 40 days from this day to respond or is it from the date they acknowledge recieving the letter???
Live Long and Prosper!! Dont let the BxxxxxxS get you down....
Claiming back Barclays £1968.00 Egg £100 MBNA £343.80 Recovered so far £140
I my humble opinion it is from when they received it. If you sent recorded, that is the date royal mail delivered it. If not recorded add a couple of days from the date you sent it.
Egg Data Protection Act Statements arrived. On hold.
Halifax - Moneyclaim £3100
Amex to Remove Default - acknowledged didn't issue correct documents - default removed . £135 paid in full without Court
On the recorded delivery slip that you keep is a track and trace number. got to http://www.Royalmail.co.uk and track and trace. Type in the number and it will tell you when and where. They will even post proof too if you need it.
Egg Data Protection Act Statements arrived. On hold.
Halifax - Moneyclaim £3100
Amex to Remove Default - acknowledged didn't issue correct documents - default removed . £135 paid in full without Court
Having gone through the statements it seems I am owed £100, thinking about it Egg only collect money through direct debit, when they do sometimes that has sent me over my limit with Barclays and I have been charged and am on with collecting those fees..............Im not sure if its worth chasing £100, I suppose sending the preliminary approach letter wouldnt do any harm.............What does anyone else think?
Live Long and Prosper!! Dont let the BxxxxxxS get you down....
Claiming back Barclays £1968.00 Egg £100 MBNA £343.80 Recovered so far £140
Well I think it's worth it!! It's not just the amount it's also the principle that makes every little bit worth claiming for.
FIRST DIRECT: £4751.86 SETTLED IN FULL 5/07/06
TESCO VISA CARD: £90 SETTLED IN FULL 12/08/06
LLOYDS TSB: £4403.59 SETTLED IN FULL 17/08/06
EGG: £451.52 SETTLED IN FULL 18/01/07
Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.
Naughty Egg!!
, im looking to recover late payment charges........God loves a tryer...apparently
Reply With Quote
.....I wonder if i can claim back my money on unwon lottery tickets....Worth a go....eh
Re: Naughty Egg!!
) then state that if they are late they are in breach of the Data Protection Act and you will immediately issue a 
