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 all,
served a full dsar request (paid the £10 by postal order) on Natwest 2 weeks ago, and got a letter last week (with no telephone numbers to contact back on) asking for a signature to confirm my i.d.
i sent them a fax the same day telling them im not obliged to sign anything, i photocopied my drivers license, and defaced my signature on it, and clearly over wrote the date and dsar request on it, and politely told them to stop messing around and send the information to the same address that they have registered, that very one that they sent a default notice too.....
they have replied today requesting another copy as they cannot verify my signature....again it has no contact telephone number, just a fax, and an address...clearly delay tactics.
now do i play ball, reply and tell them as per my last letter they do not need a signature, or do i just report them to the i.c.o.?
My understanding is that they need a signature for data protection purposes - I may be wrong though. I would suggest that you sign on a greyed out box if you are concerned with them using your signature (which if you have an open account, they already have)
There is a lot of myth about all of this. They aren't going to rip you off on this. If you want the SAR then just send them what they want and then go to the next step
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
now have some of the s.a.r. information...well none really,
...they have issued copies ofmy p.p.i. insurance terms and conditions, thats all,
apparently they are telling me that credit agreements and applications are not part of the D.S.A.R. ???? despite me highlighting that this was important information, subject to my 1 year old p.p.i. complaint, and claim against imposed bank charges on a dormant account, with no credit facility (yet they have still issued a default against it!)
where do i stand?...how do i best get the credit agreements, as this will show that the p.p.i. was inclusive (on a pre printed form)
Hi...did This In 2008, When They Had A Collection Agency On The Case (they Havent Followed Up Since), Sent Them A Chq And A Cca Requested (JAN 2008), Got A Reply Saying That They Were No Longer Able To Act On Nat West's Behalf....
So Its Good News That They Are Not Chasing The Balance, But I Have A Default That Needs To Be Removed, And Re Initiating The P.p.i.claim Seems To Be The Best Solution ?????
The Letter Received Yesterday Starts......"on This Occasion I Cannot Locate The Loan Agreements..."
natwest dsar fob off
2 weeks ago, and got a letter last week (with no telephone numbers to contact back on) asking for a signature
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