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.
Further to your recent correspondence dated 23rd January 2009. I am afraid I am unable to supply you with any further information regarding my identity to enable my legal request for information to be fulfilled than has already been supplied previously.
The fact that you have been writing to the above address that included a FULL account number and to me by name requesting payment towards the above account/sending statements has confirmed to me that you already have the correct details. This address and the occupier has been satisfactory to you in past communications therefore you have until 6th February 2009 (this date is over and above the 12+2 days usually allowed) to supply me with the information I am entitled to otherwise I shall make a formal complaint to the Information Commissioners Office without further notice.
I have contacted both the ICO and CCCS who have both stated that a signature is not required under the Consumer Credit Act and they also agree that with the evidence above you appear happy that I am the person you seek.
To clarify the request I have also included a further copy of my original request. This request should have been satisfied by 28th January 2009 when I have the right to place the account into dispute.
goin through same with m&s. they have sent me agreement for storecard similar to your copy above. I have written back to tell them that is what they have sent me and that I require cca for c/c account. I'm still waiting on reply,nearly 12 days now so getting ready to send complaint/dispute letter.
If the T&Cs page is the back of the application form in real life, then it is almost certainy enforceable as it will have your signature on one side and the prescribed terms on the other
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
goin through same with m&s. they have sent me agreement for storecard similar to your copy above. I have written back to tell them that is what they have sent me and that I require cca for c/c account. I'm still waiting on reply,nearly 12 days now so getting ready to send complaint/dispute letter.
wondered what letter you sent, i got mine yesterday can't post since no way would anybody be able to read it.
its a 6x6 mirco film application form (about 1988) nothing on the bank
i got a sheet with bank details on and a copy of credit card t&c same as posted above.
mine says something about PPI at 54p-64p per £100 balance and see conditions overleaf section 2. Well they are no conditions
any advice welcome
thanks
If the T&Cs page is the back of the application form in real life, then it is almost certainy enforceable as it will have your signature on one side and the prescribed terms on the other
I wouldnt know as all they have sent is a photocopy - a rather bad photocopy of the application form. I cant recall how it was laid out but I would imagine it would be like the majority of people on here
How am i going to know if it is enforceable or not
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
R Vs M&S
Reply With Quote
Originally Posted by busby1
