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.
Have you sent an SAR, this should give you all the info on the account including emails and telephone calls, there will be a template letter in the Stickys and you have to enclose a £10 postal order and they have 40 calendar days in which to reply. Once you have the info you could then say where is the proof that I was informed etc.
From our experience Picture are less than helpful when you complain so I am not surprised you had a negative response from them.
If this is their final response then I would forward your complaint to the fos and let them deal with it. The SAR would probably be helpful though so you can base your complaint around what they did/did not say.
Our complaint is still with the FOS and even though the first adjudicator there upheld our complaint, Picture refused to accept her decision and so the actual ombudsman is now involved.
Be prepared for it to take a while though as the FOS are swamped with claims.
Just as a quick moral boost, though, two thirds of all PPI claims being investigated by the fos are being upheld in the customer's favour, so if you have a case, chances are you will win...
Picture Finance v Unhappychappy
. There response was:-
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