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.
i requested a copy of my original dn from a DCA they have sent me a letter explaining they do not have to supply this to me , i returned stating i will request this in court if you start legal action against me , have now recieved another reply stating , we have already stated our response to your default notice request and our position remains unaltered , any advice please
i requested a copy of my original dn from a DCA they have sent me a letter explaining they do not have to supply this to me , i returned stating i will request this in court if you start legal action against me , have now recieved another reply stating , we have already stated our response to your default notice request and our position remains unaltered , any advice please
Hi Spidey41
I would do nothing, they have not got it from the original creditor. They mey produce a default notice template "like" the one sent. Let them take you to court and request that they supply the original via DJ.
Who is the DCA? Have you SAR them?, it works wonders, they have to give you all your data, but, it can reveal alot. I would take it to them, SAR them, give them the 40 days, if they fail to produce or produce very little complain to data commisioner then warn them.
Are they calling you? Bang off a harrasment letter. Give it back to them.
When they call you and ask security questions tell them your spiderman or somthing works wonders, do a search on a thread of mine, I was batman, they guy got upset and hung up.
the DCA is cabot i have all the statements for account and a copy of my application form , 2 different noa's both printed by cabot thats about all oh a set of t&cs that could apply to anybody
the DCA is cabot i have all the statements for account and a copy of my application form , 2 different noa's both printed by cabot thats about all oh a set of t&cs that could apply to anybody
Cabot, so you don't have a Signed agreement? just a application form? oh dear, good news for you, they cannot enforce it without a signed agreement.
You should SAR them, reg letter (tenner postal order) Don't sign the SARprint your name. They will return template letters like what you recieved.
Are you paying them? If it was me I would stop. You may find you are paying all the charges they have stuck on the account.
If they call you, hang up, send off a harrasment letter, all the templates are in the forum.
i did SAR them last year all i got back was a copy of my statements , a copy of an application form , a set of t&c's a copy of noa with right account number but wrong card (lol ) and a copy of what they call a letter to greet me to cabot which was a load of squigles and a's and z's made no sense whatsover
i did SAR them last year all i got back was a copy of my statements , a copy of an application form , a set of t&c's a copy of noa with right account number but wrong card (lol ) and a copy of what they call a letter to greet me to cabot which was a load of squigles and a's and z's made no sense whatsover
Then they have nothing, do nothing, let them jump though hoops.
refusing to send dn
they have sent me a letter explaining they do not have to supply this to me , i returned stating i will request this in court if you start legal action against me , have now recieved another reply stating , we have already stated our response to your default notice request and our position remains unaltered , any advice please
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Originally Posted by spidey41
