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.
SAR sent out last week for 2 accounts i have with them, ive paid a fortune in £20 charges with these, time to get my own back! quick question do i add the 8% interest on when im asking for charges back? or do i only add this if it gets to the court stage?
The 8% is statutory interest so you can only claim this as part of your court claim. However you may wish to claim contractual interest (the rate of the interest on the card) which you can add when approaching them for the charges back.
well i sent the SAR to creation on the 1st of December and still no sign of my statements, it has been more than 40 days now. I have just spoken to their customer service and they are saying they havnt received any letter from me, what should i do now?? is there a follow up letter for this?? cheers
I'm hoping that aftre you have spent this money that you sent it recorded delivery. If you didn't they will swear black is white that they never got it.
If you did send it recorded, track when it was delivered. Alternatively check with the post office as to when the postal orders were cashed.
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Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor
hi i rang the post office and they said that they cant check if the postal order has been cashed, they said i would have to go to the building in cheshire in person to do this? They said i can fill out a p58 form if i think that the postal order has not yet been cashed?
ive just spoken to creation again and they have taken the reference number from my postal order receipt and gave it to the missing payment department, has anybody had the same thing done to them before?
arrrggghhhh!! Right the £10 postal order i sent in with my SAR letter has been credited to my account, they really are taking the **** now. So they are either extremely thick or trying to do their best not to send me my statements. Just spoken to a guy from creation now and he actualy seemed a decent person for once, he new what the score was and is trying his best to solve the matter, but he said that they cant find the letter that was in the same envelope as the postal order! Now im having to wait until they have solved the mixup
well i got my bro to post the first letter so im not sure if he did recorded delivery , but ive sent another letter out this morning recorded deliver as a SAR reminder and gave them 10 days to reply
Ive just been on the phone to creation again to see what the score is with my statements. By now they should have received the DPA reminder i sent last week. Dont forget my original letter was sent out on the 1st of december so ive already gave them enough time to send me them. The guy on the phone said somebody is gonig to phone me other the next couple of days to sort it out but this is what they have said to me twice before in the last 14 days or so, so im not expecting a phone call this time, i dont know what to do now, should i give them another week? If so and still no statements what is the next step for me? Do i claim for estimated amount?
finally received my statements today, i have £740 charges on my jjb account and £907 on my nevada bobs account. When i send my preliminary letter do i add these 2 accounts together?
I would keep them as seperate accounts for your preliminary letter but just send the one letter with both of them on it with the individual amounts claimed for each account and then state a total amount claimed (by adding the two together). Include the spreadsheets for each account.
If you have to file at court you can combine them so that you just have one claim to file as they are both creation accounts.
I received a reply to my preliminary letter this morning. It simply says that they are investigating the matter fully and will contact me with their findings within the next 20 working days.
I sent my lba on the 17th recorded delivery and the only reply i have had so far is a letter saying that i have informed them that i am having difficulty in making payments on my account and that a financial statement has been sent to me for me to complete. Why have they completely ignored the letter? Don't they read them properly!!
I HATE creation, has anybody WON their money back yet from creation as i am finding them very hard to deal with. I have decided to give them until the 6th march to respond properly to my LBA, then i start the court process
Hi to my surprise i had an offer this morning from creation! They have offered the difference between the charge and £12 plus interest, this totals £1099.85 but my original claim for both accounts was £1647 plus £336 in interest. They said they have credited the money onto my accounts, this now means that one account has been cleared and the other has around £200 left.
Should i reject this offer and claim the full amount??? cheers
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, but ive sent another letter out this morning recorded deliver as a