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.
Just thought I'd start a thread about my little jaunt into the world of consumer relations. I have just sent recorded prelim letters to my RBS branch for my royalties account, Prelim letter to BOS Credit card and a Data Protection Act request (£10 included) to an old, now defaulted RBS Credit card. For the first two I had all my statments so niether of them have had any prior warning through DPAs or such like - so lets see what happens!
The old RBS card Defaulted four years ago and its still playing havoc with my credit rating - even setting up a parachute account was a bloody pain, but its done now and the letters are sent.
While i'm here can anyone tell me if i'm wasting my time with the older card? I'll explain, I'm in scotland (as you might have guessed.) so i'm working to a 5 year limit. The last few months of having that card saw a minimun payment explode from about £40 to nearly £350 in 3 months - followed by a default. I'm aiming to claim back the cahrges for the card's last few months then demand to have the default removed. Do I have a chance with this or does a default have to be entirely made up of charges rather than just a contributing factor?
"some's b**tards, Some's ain't. Thats the score." - Jack Kerouac, On The Road
RBS - £1331 - 14 day Prelim letter sent 4/7/06
BoS CCard - £960 - 14 day Prelim letter sent 4/7/06
RBS CCard - DPA sent
RBS, BoS CCard and RBS CCard - Here We Go.
branch for my royalties account, Prelim letter to BOS
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