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.
Clydesdale provided me with finance for goods about 4 years ago, I incurred a few charges due to moving house and the old landlord being a prat and refusing me access to my mail (yes I know my fault for not updating addresses before moving).
Anyway decided to try get some of these back and sent S.A.R - (Subject access request) to clydesdale on 24th July. Didn't have my account no. but gave them my old address, new address D.O.B. account that dd's were from and ammount of dd.
Today I received
Dear Sirs
I write further to your letter dated 24th July 2006.
I enclose your cheque to the value of £10.00 as we have been unable to trace any account details.
I would ask that you contact us on 0870 333 6838 to provide more details.
Trusting this is satisfactory
Yours sincerely
Leigh-Ann Paterson
Customer Relations Department
So what should be my next move? My bank (Natwest) is having troubles with their DD records and can't provide me with the ref no. for the DD to clydesdale.
Are they (or will they be in two weeks time) in breech of the Data Protection Act? If they have no record of any account with me can I issue a claim for all monies that I have paid to them, as if I never had an account with them (according to their records) then I have no reason to have paid them anything?
Should I also be going after Natwest for losing DD records and being in breech of the DD guidlines?
Am tempted to write to them stating that I have records of payments if they have no record of me having a contract I request this money back, if I do not receive it within 14 days I will begin legal proceedings. Also maybe contact the information comissionar regarding their loss of data.
Anyway enough rambling - any suggestions greatly appreciated.
*edit*
They also entered a default against me - infact I would pretty much like all their records on me struck from my credit file
Ok looking at companies house I may have been dealing with Clydesdale Finance Limited, which has since dissolved but at the same address is Clydesdale financial services limted - now are they the same?
and they were previously
Previous Names:
Date of changePrevious Name
01/04/1992 CLYDESDALE FINANCIAL SERVICES LIMITED
Can I go after one or the other, now am a bit confused.
Clydesdale Finance
) to clydesdale on 24th July. Didn't have my account no. but gave them my old address, new address D.O.B. account that dd's were from and ammount of dd.
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