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 son in law has had an account with Woolwich then taken over by Barclays. Last Year they stuck him with the reserve, and when he went over this they were charging him £22. He called them and told them to take the reserve off his account and he was told that they could not and by law they could do this.
About 5 mnths ago he went over his limit again and the charges were mounting up we went to the bank and explained to an advisor that this was getting rediculous he told us we could cancell the reserve but only when he paid all the charges off. I asked him why they told us on the phone that it could not be done and he informed us that there was no such policy and we must have been mistaken, I called him a liar.
My son in law changed banks and wrote to barclays registered office in Nov 09 to complain at the same time I did an SAR.
We waited and waited and finally I sent another letter this month.
He got a reply today.
Have sent a reply back advising them that all data includes statements and coms logs.
Hi everyone have had a lot of response since my last post so will break it down.
Never got a reply from the legal dept. Sent another few letters to them with the threat of the ICO for not giving me the documents pertaining to the Reserve Charge, finally got a reply back.
What a load of bull.
Sent them another letter informing them I have spoken to ICO and have been advised to put in a complaint to them regarding the letter they say I can only have for legal issues.
Have put the compliant into the ICO and will now await reply to both.