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 an account with La Redoute where they put £45 of unfair charges on it. They refused to refund them. I then CCA'd them instead saying that they had no credit agreement so they should close the account at zero balance and call it unenforceable.
They agreed it was unenforceable and closed it, but refused to remove the default. I then served them official notice under Section 10 of the Data Protection act saying that they had no permission to share my data with credit reference agencies, no written agreement and therefore should remove the default.
Basically they say that I've placed orders and received goods, so therefore they can share my data with any CRA's they want, and the Data Protection act doesn't apply.
This is way unfair. Is my only option now to take them to court over this? Any thoughts?
La Redoute refusing to remove default
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