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.
BC charges can any one help , do you have to pay the exessive charges they slap on your account ie before a certain date it was £25 now £12 can all these charges be challenged , because they are automated and not done manually [late payment charges] or any charge why should you have to pay silly amounts
If you just claim back the charges, they'll be repaid quickly in most cases.
If you claim interest at the contractual rate, you'll have to file your claim at court and BC will fight you all the way. If you get your claim right, they should negotiate a settlement just before your court date. The amount you can claim in higher interest can be significant.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
thankyou slick132, jugular it is , done my SAR march 30th , not had anything yet , so guess i ll have to wait the 40 days. what do i hit them with should they not conform to the SAR ?
If the don't, you send them a reminder (from the bank template section) about their failure to comply with your request in accordance with the Data Protection Act.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
HI slick had a reply back from BARCLAYCARD it was just any old aggreement without my signature or any details , have replied asking for the orig which i know does not exist , and for my SAR
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Hi , Just Had Copy S Of My Statements Ref My SAR , And Had Copys Of A Aggreement Minus Any signature Of Mine On It So I Will Do A Request As You Said Ref Cpr Route, And See What Happens. In The Meantime I Will Post A Copy Of The One They Sent.CHEERS
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Sorry For This , Not Sure If Allowed Or How To Start Another Thread , But I Have Some Success Ref Alliance&leicester On A Current Loan They Have Offered All My PPI Back To The Tune Of £470 So Thats Good Thankyou All The Site Team And Fellow Gaggers:d
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
hi many thanks , have started a new thread , a question , ref credit card charges i add the interest at the point of the offence, and i can add a further stat 8% on the total at the end , or at the time of the offence ha lol and ref the PPI credit cards charge is this the same .
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Have they supplied your Credit Agreement - that's a rarity.
They will only supply data going back 6 years. If you want older stuff, you will have to challenge them, threatening court action for their non-compliance using the DP Act.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
THANKYOU SLICK, JUST IN FROM WORK AND A DEFAULT NOTICE FROM THEM THROUGH A COMPANY CALLED MERCERS , DID THINK THEY COULD NOT ISSUE ONE OR PALM THE ACCOUNT OUT
Problem is that, whilst you say the a/c is In Dispute, they say it is not. They will therefore also say they're entitled to chase the a/c, issue a DN, etc.
Have you used the data received so far to fill in a site spreadsheet to make your SOC. You could send this to BC with a Prelim Reclaim letter, and amend the amount claimed if/when you receive any older statements.
This will formally put the a/c in dispute in a way which BC can't argue.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
charley vs barclaycard
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