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.
Hi guys i was chased by creditors of Lloyds bank and i send them Subject access request but they said they don’t have access to it and they have forwarded to the bank and they will send it to me but nothing came and now I received letter from my bank I have to pay them all amount because I was unable to come agreement with there credit collection agencies if I don’t reply back and fill the form they send me they will take legal action what happen was I took this loan and I was miss sold insurance now last few months back I was able to claim money back from insurance people as Ombudsman was involved into now that is done my next step is to now complain about the loan department to Ombudsman and make point that all the charges they added on my account need to be removed because it was Insurance fault they miss sold me and was not paying for it when I needed them to pay.But by than how can put hold to Lloyds not to take action is there any way I can use against them as they have not send me Subject access request.Please guys any advice I got 10 days to reply and there letter was sent on 10th DEC and I received on 12th so not much time to act but please anyone any advice will be very helpful thanks
The Company Secretary
The Creditor
Creditors address
Creditors Town
Creditors county
Creditors postcode
LETTER BEFORE ACTION Section 7(1) – Data Protection Act 1998
Account: XXXXXXXXXXXX
Dear Sir / Madam,
You have failed to comply with my Data Protection Act Subject access request dated xxth xxxxxxxxxx 2009.
I will remind you as to what documents I expect.
The following is by no means an exhaustive list but in the main this is what I require.
Please supply me with a complete list of transactions and charges relating to ALL accounting history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.
Additionally, all records you hold on me relevant to this account, including but not limited to:
1. A transcript of all transactions, including charges, fees, interest, repayments and payments and both the original amount of the loan and any repayments made to the account.
2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company
3. Where there has been any event in my accounts history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response
4. True copies of any notice of assignment and/or default notice or enforcement notices that you may have sent to me, with a copy of any proof of postage that you hold.
5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted.
6. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.
7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.
8. A genuine copy of any deed of assignment, or proof that you have a legal right to this money.
9. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998
10. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.
11. A copy of all account statements for the duration of the agreement.
12. Please would you also advise me of the logic involved in any automated decisions taken by you about me pursuant to section 7(1) (d) of the Data Protection Act 1998.
13. A True copy of the consumer credit agreement section 77-79 of the Consumer Credit Act of 1974 for the account.
14. Any Other information relating to this account.
If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice.
Any advice & opinions given by supasnooper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.
Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
As I have send them letter above all I got from the list above is copies of my credit agreement and direct debit letter and statement and they have ignored every other thing in the list of the letter i send which supasnooper asked me do it.Also i received a letter from debt recovery demanding me to pay all the money back in one go .I am posting the link please look and tell me what is my next step. And also in the statement there are some payments i made for about 11 months they are totally not on the statement it is missing and i got proof i paid them with the pay slips so i don’t want to tell them about it and i am going to call Ombudsman and use this against them.So what you guys think please let me know as its going to help a lot .Thanks
Help Please with TSB Loan
bank and i send them Subject access request
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Re: Help Please with TSB Loan
