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.
My first post - Action Group was seen on Martins Moneysaving expert.!
When we paid off Barclaysmortgage, we discovered they had been charging a penal insurance cover for buildings. They defended stating they had been sending mortgage Statements annually. These were never received as they had addressed them to "The New House". (We had been a bungalow that we converted into a House gave it a name and informed our branch and branch manager who visited many times over the years on various matters. All our current account, savings statements were correctly addressed.
They would not entertain a refund unless we could provide all buildings insurance details year on year. It was and is my habit to get competative quotes from year to year and move to different companies I did have details of our cover for a couple of years but not all.
Time has passed (nearly 6 years) since I was aware of their error. Can I still go after my money?
Where were the insurance instalments coming from? Which account? If bundled with your mortgage payments, then make a DPA request for those. If not, make a DPA request for whichever bank account they came from.
First clarify "penal" for me, and I'll go in further details.
Apologies to people who I was in the process of helping, I may be gone some time.
Thank you for your responses. I called it "penal" because it was more expensive for buildings cover (about £47.00 per month added to the mortgage rather than debited seperately to our account ie 1 debit figure only to the current account with the mortgage ref number) than a quote I received from Barclays on one of the annual comparison searches for buildings and new for old contents !!
Are there exceptions to 6 year limit?
mortgage
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