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'm currently on the attack with Wescot and HFC on behalf of my OH, we wrote to HFC originally outlining his reasons for why he believes he's been mis-sold PPI (it's a single premium policy which makes it even more difficult) of which there were many! Received condescending reply from Annette Mulligan, their Ops Manager, saying "HFC have always had clearly documented policies and preocedures..... I would like to bring to your attention that the FSA investigation did not identify that our customers had been disadvantaged" and then a list of documents that proves that he knew what he was signing and what the benefts if the policy were.
We have replied with an S.A.R request, however two weeks later they have replied requesting ID from my OH. I remember reading something about it on here a while ago but I can't for the life of me find it, can someone let me know whether or not they need ID, and whether he should provide it?
Yes I'm sure they can ask for ID. Things like........
Utilities Bill (less than 3 months old)
Council Tax Bill (less than 3 months old)
Bank Statement :o
Regards.
Scott.
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Thanks for the reply Scott, they have asked for something such as his passport or ID, does he need to sent these? I was a bit wary as its a DCA and not the bank that he's dealing with.
Also, the 40 day limit, does it apply from the date they received the S.A.R, or will it start to apply on from the date that they receive his ID?
It's always better to SAR the Origional Creditor.
You can send a photocopy of Driving Licence or Passport (I'd block out the signature) plus two Utilities Bills, current if poss.
I'm not sure about the 40 days, I'd think it would start from when they receive your request.
Regards.
Scott.
Any advice I give is honest and in good faith.
If in doubt, you should seek the opinion of a Qualified Professional.
If you can, please donate to this site.
Help keep it up and active, helping people like you.
If you no longer require help, please do what you can to help others
Hi QS
I have to agree with Scott its not unreasonable for HFC to request proof of ID, Back to the smart arse reply from Mulligan, HFC were fined £1.085 million by the FSA for exactly disadvantaging customers FSA fines HFC Bank £1.085 million for PPI failings
S.A.R - ID needed for HFC to comply?
(it's a single premium policy which makes it even more difficult) of which there were many! Received condescending reply from Annette Mulligan, their Ops Manager, saying "HFC have always had clearly documented policies and preocedures..... I would like to bring to your attention that the FSA investigation did not identify that our customers had been disadvantaged" and then a list of documents that proves that he knew what he was signing and what the benefts if the policy were.
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