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.
I had a debt with an RBS card (pre MINT) and was paying it back at an agreed rate via Triton.
When Triton suddenly asked for double and kept asking for a further £20 per month on 3 month cycles the repayments became very difficult to maintain. By last September they were asking for £155 per month on a £2800 debt.
I stopped paying them anything and the debt was passed to Intrum Justicia.
In October I followed the advice on here and issued a SAR and CCA request.
After all the time scales were passed I still hadn't heard anything and in December Intrum wrote to tell me they had passed the debt back to RBS.
Nearly 5 months later I haven't heard a peep out of anybody.
All I need to know is wheter I should persue RBS for failing to stick to the Data protection guidelines or just forget it, get on with my life and see what happens?
1) Leave it but keep copies of your letters and all related doc'ts so, if this matter is raised again, you have some proof of events.
2) Write to RBS saying, in the absence of proper or any replies to your SAR and CCA requests, you assume they have no Credit Agreement and so wish the balance to be reduced to zero and any defaults made in respect of the alleged debt to be removed from your CRA files.
Have you been defaulted for this - if so, there's a ltr you can use to close the matter properly and get the default removed.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Some advice please re RBS/MINT
card (pre MINT) and was paying it back at an agreed rate via Triton.
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