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.
Starting to get the hang of this. Been reading many posts and found that RTR vs Marbles is in a similar position to me. In response to the letter I received from Marbles (which I have finally managed to attach) I plan to send a letter of dispute due to failure to supply CCA and the following (found at RTR).
Reference ....... (your letter of xx xxx xx) I am disappointed that you have failed to respond to my request for a true copy of my Credit Card Agreement to which I am entitled under the Consumer Credit Act 1974 (Sections 77−79). A copy of this letter is attached for your convenience. I have previously enclosed a payment of £1.00 which represents the fee payable under the Consumer Credit Act. I understand a true copy of my Credit Card Agreement should be supplied within 12 working days. I am sure you also understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. Failure to respond positively will be reported to the Financial Ombudsman Service and the Office of Fair Trading.
To date I have now informed MBNA that we are in dispute due to their lack of responce to the CCA request. Now that they've had a couple of days to digest this should I be sending a Subject access request? :-|
Marbles v Zak
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