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.
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Followed up SAR and got final letter quoting CCA saying they sent the agreement, when they haven't, so it seems to me they're not revealing all and don't want to either!
Full balance "charged off"
Further statements after the charge off I've not seen before
No interest being charged
T&C's from 2008
No agreement
No default/termination notice
No record of default/termination notice
Looks like I've got a defense (though would be a set aside):
No agreement
No default
and a termination
Now just got to figure how to avoid them taking me by surprise as they have more or could create it. Pondering if it is worth going in hard to get the SAR information.
Sent 2 further SAR reminders and confirmed to them that had not complied with s78. (Default letter sent a while back).
All they send is 2 "final response" letters refering to s78 complely ignoring the SAR, so I've spelt it out to them that they must comply with DPA or confirm documents destroyed.
Times up soon so I think a complaint to ICO and then a court application.
Does anyone know if I can go for an unless order to produce the documents and if they don't the original judgment will be set aside?
uptoeyeballs v HFC (GM Card) CCA
next.
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