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.
Hi,
I sent off my SAR in the middle of December and received back a few statements and a summary of charges (dates/amounts/reason). The next thing to do seems to be to send off a letter asking for the charges to be repaid. However, I have a few questions:
1) I seem to remember that you need statements rather than a summary? Or will a summary do the job when it comes to court time?
2) Do you claim for all charges? I mean, right up until today? Or is it just the ones over £12 ... or the difference between the higher amount and £12 (ie £35 - £12)
3) Do I need a CCA from Lloyds ... is there some use in that which I don't know about ... a link to a FAQ would be great!
I've read lots of the forums, but I'm having trouble with these simple questions.
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
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Re: What should I do next? Lloyds and CC
I sent off my Subject access request in the middle of December and received back a few statements and a summary of charges (dates/amounts/reason). The next thing to do seems to be to send off a letter asking for the charges to be repaid. However, I have a few questions:
1) I seem to remember that you need statements rather than a summary? Or will a summary do the job when it comes to court time?
summary should do ok.
2) Do you claim for all charges? I mean, right up until today? Or is it just the ones over £12 ... or the difference between the higher amount and £12 (ie £35 - £12)
the full charge, the £12 is only a guideline figure.
3) Do I need a CCA from Lloyds ... is there some use in that which I don't know about ... a link to a FAQ would be great!
no you dont need a CCa if you are not contesting the agreement exists.
as for the rest
there is an FAQ on the home page
good luck
but remember if these are bank A/C rather than CC there is a general stay on all cases at present.
oh and if it IS Credit Card Charges, dont forget to add the stat 8% to the total.
dx
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What should I do next? Lloyds and CC
in the middle of December and received back a few statements and a summary of charges (dates/amounts/reason). The next thing to do seems to be to send off a letter asking for the charges to be repaid. However, I have a few questions:
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