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.
Barclays - £700 - SETTLED IN FULL BarclayCard - £380 - SETTLED IN FULL + £132 EXTRA Style RBOS - COUNTY COURT JUDGEMENT AGAINST CREDITOR - SHERIFF OFFICER ACTION TAKEN - £245 - SETTLED IN FULL
There are some people claiming a contractual rate of interest
If you read around you can find some details about this.
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I have been looking at the Credit Card templates (letter and spreadsheet) in the templates library and there only seems to be one letter giving the Credit Card company 14 days notice before court.
Do Credit Card companies and Store Card companies not have to have a first letter of notice giving 14 days, then a reminder giving another 14 days like banks do?
Barclays - £700 - SETTLED IN FULL BarclayCard - £380 - SETTLED IN FULL + £132 EXTRA Style RBOS - COUNTY COURT JUDGEMENT AGAINST CREDITOR - SHERIFF OFFICER ACTION TAKEN - £245 - SETTLED IN FULL
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Still can't find anything on contractual rates of interest... Shall I just stick to the 8%?!
Barclays - £700 - SETTLED IN FULL BarclayCard - £380 - SETTLED IN FULL + £132 EXTRA Style RBOS - COUNTY COURT JUDGEMENT AGAINST CREDITOR - SHERIFF OFFICER ACTION TAKEN - £245 - SETTLED IN FULL
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Only £90 that I know of, but I'm sure there were more charges. I called them to get my entire statement history, but they were charging £5 PER STATEMENT - That's approximately £75! I quoted Data Protection and Subject access request, but to no avail. How do I get my statements without forking out £75?
Barclays - £700 - SETTLED IN FULL BarclayCard - £380 - SETTLED IN FULL + £132 EXTRA Style RBOS - COUNTY COURT JUDGEMENT AGAINST CREDITOR - SHERIFF OFFICER ACTION TAKEN - £245 - SETTLED IN FULL
Its unclear why the card issuers appear to think that they can charge what they feel like for statements.
You could ask them for a schedule or other transactional data that gives this info.........one ot two of the other card issuers do supply this.
They dont however like to do it this way because the act says the info has to be clear intelligible etc.......so they have to attatch handwritten notes to decipher all the codes.
Usually a second non compliance letter does the trick have you tried that route ?
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I've just phoned them and asked for that. They're sticking to £5 per statement and insists there's no other way to do it. Should I send them a letter requesting the transactional data of my account, dropping the phrases Data Protection, Subject access request, Fair Charge, Office of Fair Trading?
Barclays - £700 - SETTLED IN FULL BarclayCard - £380 - SETTLED IN FULL + £132 EXTRA Style RBOS - COUNTY COURT JUDGEMENT AGAINST CREDITOR - SHERIFF OFFICER ACTION TAKEN - £245 - SETTLED IN FULL
I am worried that I will be on a losing battle as I have previously been hassled by two debt collection agencies regarding this account...
The first, I settled with. They knocked my bill down from four hundred and something to £360. This payment was 'Full and final'.
The second came after me for the remainder. I contacted Style who stopped the debt collectors after realising their mistake.
Can they make me pay the remainder of that balence if I start after them for this £90+?
Barclays - £700 - SETTLED IN FULL BarclayCard - £380 - SETTLED IN FULL + £132 EXTRA Style RBOS - COUNTY COURT JUDGEMENT AGAINST CREDITOR - SHERIFF OFFICER ACTION TAKEN - £245 - SETTLED IN FULL
I have to include the spreadsheet (which adds up the 8%) in the preliminary letter. Also in the second letter. Definately at court.
But if they settle before court, do they not have to pay the 8%?
(Been reading Gargoil's thread)
Barclays - £700 - SETTLED IN FULL BarclayCard - £380 - SETTLED IN FULL + £132 EXTRA Style RBOS - COUNTY COURT JUDGEMENT AGAINST CREDITOR - SHERIFF OFFICER ACTION TAKEN - £245 - SETTLED IN FULL
Forget the DCA for now,and concentrate on the charges.
Whilst the account is in dispute.......no further action can be levied.
Send tha data protection act request.
And the meantime if they do hassle you for repaymnt just tell them they are reqiured to suspend action.
We can deal with the other issues including interest later.
Interest is only added at the court stage.
This is some time off yet!
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So, I need to send the 8% Spreadsheet with the claim letters, so they know what they'll have to pay out at court, yeah?
What's CBA? I'm not getting all this shortened down stuff. There should be a section telling us what all the shortened down stuff is! It confuses me! A glossery! Yeah, one of those! (Unless there already is one, in which case, could you give me directions?!)
Barclays - £700 - SETTLED IN FULL BarclayCard - £380 - SETTLED IN FULL + £132 EXTRA Style RBOS - COUNTY COURT JUDGEMENT AGAINST CREDITOR - SHERIFF OFFICER ACTION TAKEN - £245 - SETTLED IN FULL
You know in the Data Protection Act 1998 Subject access request letter, where it says: I enclose the statutory maximum fee of £10. Who make that statutory? Was it the Office of Fair Trading? I just want to ensure they don't go off on one with this £5 per statement crap. (excuse my French)
Barclays - £700 - SETTLED IN FULL BarclayCard - £380 - SETTLED IN FULL + £132 EXTRA Style RBOS - COUNTY COURT JUDGEMENT AGAINST CREDITOR - SHERIFF OFFICER ACTION TAKEN - £245 - SETTLED IN FULL
Ooooo, I've just thought, the charges were only £15 a time... I can claim these back right? It's charges over £12 isn't it?
Sorry if I can't stop checking things... I worry and stress... It's hereditory... You should meet my mum!!! It gets more annoying as time goes on. I appoligise in advance for future stressing-outs!
Barclays - £700 - SETTLED IN FULL BarclayCard - £380 - SETTLED IN FULL + £132 EXTRA Style RBOS - COUNTY COURT JUDGEMENT AGAINST CREDITOR - SHERIFF OFFICER ACTION TAKEN - £245 - SETTLED IN FULL
Barclays - £700 - SETTLED IN FULL BarclayCard - £380 - SETTLED IN FULL + £132 EXTRA Style RBOS - COUNTY COURT JUDGEMENT AGAINST CREDITOR - SHERIFF OFFICER ACTION TAKEN - £245 - SETTLED IN FULL
It's the Data Protection Act itself (an Act of Parliament) which regulates the fee - I doubt very much that anyone would argue with it after receiving a valid request for information, which ours is.
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
I was just wondering about charging interest on the DPASAR fee...
Barclays - £700 - SETTLED IN FULL BarclayCard - £380 - SETTLED IN FULL + £132 EXTRA Style RBOS - COUNTY COURT JUDGEMENT AGAINST CREDITOR - SHERIFF OFFICER ACTION TAKEN - £245 - SETTLED IN FULL
Well, I suppose if your claim gets to court and you include the fee as part of the overall claim, then you would be entitled to 8% interest on the daily rate until settlement part (section 69 interest), but this would be so tiny that you'd probably have to wait about 2 months before it reaches one penny.
Nothing wrong with claiming the £10 back though.
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Jen VS Style (RBOS)
than 8% on the bank interest spreadsheet, because obviously credit cards charge you a few bob more on interest...?
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