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.
I'm trying to work out what to do about my old RBS mastercard account.
RBS account number (balance was £1132.17 on 1/12/03?)
RBS transferred the account to to Robinson Way & Co. in December 2000 (balance £2617?)
Transferred to Horwich Farrelly (Solicitors) in February 2002
HF took court action, no defence entered as I was 'scared' into settling in full including additional fees of £176.48 and £143 (can't remember what they were for)
Paid in full on 20/12/04 Balance at that stage was £789.98.
Do I send an SAR to RBS and Robinson Way and Horwich Farrelly??
In the body of the dpa letter you can add that you also want details of who your account was sold to.
Did they notify you ?
Did they issue you with default ?
The office dealing with collections is Rbs in Telford.
You could send them a letter asking those questions.
As regards dcas.....if any contact you then you should tell them that the account is in dispute.
If you have payment arrangements ongoing its maybe a good idea to ask them to cease while your claim is going on
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Thanks martin,
I'll do that. Just to clarify - I have paid all my debt off to the DCAs, I'm just thinkg about any redress that may be possible if I can show that the process was not followed correctly. I bet it's a bit more difficult to get money back that you've paid to a DCA than it is to with-hold a payment.
I've got a similar issue, slightly more DCAs incolved with Co-op, I'll do the same thing there, write to the original lender with an amended SAR, ask for details (and evidence?) that they complied with CCA requirements (my job for tonight is to research more about the correct procedures DCAs must follow under CCA)
Yes thats correct.
In some instances a request under the consumer credit act for information will suffice.
Theres only 1.00 fee for that and they have 12 working days to respond.
You may find the baliffs and DCA threads in the CAG section worthy of reading.
There is lots of info there specific to what you need to know.
No harm in posting there either if you want some particular info.
This aside.......if you need any more help just hollor out
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Dayglo v RBS Mastercard (plus DCAs)
mastercard account.
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