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.
Absolutely fantastic site, thank you for your advice and inspiration.
I have been following some threads for a while now and have found them to be a great help. We have currently come to a standstill and am looking to see if anyone has been in the same situation. We have received the standard microfiche letter, as many have, and towards the end of the 40days sent the template microfiche letter. We received a letter back last week to say exactly the same thing. Letter from Pam Speed to say we will send out microfiche statments in due course, they are not covered under the DPA blah, blah, blah. We have already had this letter once! So I called the number on the letter to find out when due couse is and was told it could take up to 4weeks. I was quite prepared to wait until I realised they had cashed my cheque over 4weeks ago and Pam Speed originally wrote to me 5weeks ago! Starting to pull my hair out now, has anyone any suggestions please?
In the bank templates library (link in my signature) there are some letters for use when dealing with non compliance of the data protection act. Have a look at these, one of them should be suitable - court action does seem to be the only language Abbey understand.
Still no luck, sent template 2 non-compliance of DPA letter a couple of weeks ago saying if thet do not supply the info within 7 days I will take them to court. Made two telephone calls, the first time they said it could take up to 4 weeks (which had already passed) the second time they said they have a huge back log as lots of people are doing the same thing and don't know when I will receive them! They cashed my cheque at the end of June, starting to wonder if I will ever receive the statements, surely if I have paid for a service they should deliver. Don't really want to go down the court route just yet as I can't even begin to estimate how much they have taken, should I just hang on for the statements? I started this procedure about 10 weeks ago, is it normal to have waited this long?
Another phone call and still no joy, just keep being told same thing that due to a high volume of customers requesting the same information that there is a substantial back log!
Yes thanks we have a multipack in a variety of different colours!
Can you believe it though we are still waiting for one statement!!!
Does anyone know how far back you can go by looking at statements online? Just registered for internet banking yesterday but SURPRISE, SURPRISE I will have to wait at least 5 working days before I get my registration details through.
Have written the prelim letter anyway ready to send when I get the last statement details.
Well I called them AGAIN last wednesday and they said that I should receive the statement within 5 working days, so should have it in 2 days time! I'm afraid I've heard it all before though and I am very doubtful!!!
Hi, just got back from holiday and found a letter from shabbey waiting for me. The letter offers a 'goodwill gesture' of £100. Obviously I would still like to proceed for the full amount but the letter they have written doesn't say what to do if I am not happy with this offer. What should I do if £100 appears in my account? There wasn't a cheque in the letter they sent.
Does anyone know of any template letters I can send to say 'no thanks, I want the full amount?'
Hi again, found the template letter in the library section of the site, will write that up tonight and get it posted tomorrow.
Guess what??? They paid the £100 into my account overnight so I will make sure that in the letter I say that I am accepting this as part payment but still want the full amount!
Does anyone know if I should write the schedule of charges including interest using the fantastic excel spreadsheet then just minus off £100 from the total and in brackets explain this is the amount already refunded. I think this may be the best way of doing it as yes they have given me £100 but what about the interest on that amount? Does anyone agree?
Yes I think tha is a good way of doing it. As you dont know what the charges are for.
However as they have repaid the £100 you arnt reallly entitled to the 8% on it but if they dont give you a Breakdown of what its for you dont know what to set it against....so go for it.