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.
Some of you may know the problems I have been having with Lloyds.
I dont know what my next step is.
I have signed the slip for my SAR, just altered it a little . However with my CCA they cashed the cheque 2 weeks ago, and its been 4 weeks since they recieved the request. Now, I dont know whether to send an 'account in dispute/default' letter as although I have asked for the orig CCA, the slimy buggers got me to sign another ca last year when they was changing cc over to airmiles mastercard (said i HAD to sign this to transfer balance over otherwise I couldnt use my card). So....if they havent provided me with the orig cca whats my next step. Because if I stop payments etc, they could say well its a different account now...But I really want to get the lying cheating scum.
Also my complaint with regards to the PPI has been going on since feb. In may I sent them a letter listing things that I want to see as their proof I agreed to ppi, as they had previously told me that they had evidence (didnt say what tho, funny that!). And lo and behold I have heard nothing!
So now I want to hit them from all angles. FSA, information commisioner and all that. So who can I report them to, and have you got contacts details for them?
Thanks for all your help
c
the cupboard under the stairs for five days a week.
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1,757
Re: Whats my next step with Lloyds? Any help?
Hiya
Did the account numbers change when you signed the second CA?
Spam.
'Simples.'
Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....
They say money talks......mine just keeps saying "Goodbye"
Hi spam, yes they did change. Although I have cca'd the original account number as it was that one the insurance was added to.
I was thinking about cca'ing the new account numbers, but I have a feeling they will have that cca as the new cards were sent to me a week or 2 later, although I never activated them.
Just a bit annoying as its only now I realise it was a new agreement i was signing,even though they never explained that to me!
Thanks,
c
and I don't know if it will be of any help regarding
Just a bit annoying as its only now I realise it was a new agreement i was signing,even though they never explained that to me!
Spam.
'Simples.'
Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....
They say money talks......mine just keeps saying "Goodbye"
Whats my next step with Lloyds? Any help?
.
. However with my CCA they cashed the cheque 2 weeks ago, and its been 4 weeks since they recieved the request. Now, I dont know whether to send an 'account in dispute/default' letter as although I have asked for the orig CCA, the slimy buggers got me to sign another ca last year when they was changing cc over to airmiles mastercard (said i HAD to sign this to transfer balance over otherwise I couldnt use my card). So....if they havent provided me with the orig cca whats my next step. Because if I stop payments etc, they could say well its a different account now...But I really want to get the lying cheating scum.
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