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
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daughter has had this card for few years, had financial problems couple of years ago and could not pay, letters from barclaycard and then mercers sent DN last year, she ignored it and then got letters from westcot this year. have now looked at the DN and not sure if it is right. Have sent SAR wescot replied with letter dealing with request.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.
IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.
Thanks all, have sent cca today by recorded delivery. Will wait to see if they reply to SAR time up soon. Should I wait for the all the docs to come back before i send letter for PPI claim.
Probably best to wait for all documentation to come back unless you have all your statements to enable you to work out your claim--and the interest on top!
When you've prepared your claim let the forum know so that someone like Pompeyfaith--CAG's own PPI guru--can advise.
Update, received 6yrs statements, nothing about letters sent ie DN or termination letter.so dont know if the acc was terminated. On last statement printout acc balance as of Nov 08 is Nil and a lot of figures have been put in CHRGOFF what is this. Phoned BC and they are still saying she owes money. Will I need to send them another letter for the back statements as she is going for charges and PPI and will need to know how much she is claiming.
Update, received 6yrs statements, nothing about letters sent ie DN or termination letter.so dont know if the acc was terminated. On last statement printout acc balance as of Nov 08 is Nil and a lot of figures have been put in CHRGOFF what is this. Phoned BC and they are still saying she owes money. Will I need to send them another letter for the back statements as she is going for charges and PPI and will need to know how much she is claiming.
If this is in response to a SAR then its Barclays standard just to send 6 years statements despite what you request.
You need to inform them in writing that they have not sent everything requested and DEMAND that they send everything they hold on her otherwise you will either put in a Claim for non-compliance to court and seek costs against them OR complain to the ICO and let them instruct Barclays to send what you have requested. Give them a deadline of not more than 14 days and specifically mention it in the letter. They have had 40 days to collate the info which is more than reasonable.
Charge off is an accounting term and to do with whats shown on the balance sheet and where its shown I believe.
IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.
MandMs daughter v barclaycard
wescot replied with letter dealing with request.
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Originally Posted by slick132
