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.
7th August 06 - S.A.R - (Subject access request) Template sent with cheque for the maximum fee of £10.
15th August 06 received standard blurb as seen on many of the threads regarding statements prior to June 2004 being stored on microfiche and that charges on accounts were introduced mid 2001.
However this is clearly incorrect as I have my original statements for 2001 - 2003 and can confirm that in January 2001 the late payment fee was charged at £12.00 and was increased mid 2001 to £15.00 which was increased further mid 2002 to £20.00.
So I'm off to find the spreadsheet to calculate the interest....
I have received what looks like the standard letter
"...as a goodwill gesture and without any admission of liability, I am prepared to credit your account with the difference between the charges you have drawn to our attention and the £12 fee recommended by the OFT. This would amount to £xxx for the Visa and £xxx for the Mastercard.
May I take this opportunity to remind you that the best way to avoid similar charges in future is to remain within your credit limit and ensure that your monthly payment reaches us within the required timeframe..."
The help I need is that I entered into an IVA in March 2005 and I cant find any threads of people who have a similar situation.
Problem in template reply rejecting the offer is that is doesn't point out that they have clearly taken no notice of "..I hope you will enter into sincere dialogue with me.... merely respond with standard letters...".
Can they credit an account under these circumstance as the balance has already been accounted for? If so it's a case of they repay me and get it straight back.... No winners but them
I certainly didn't have this with MBNA and have just received a cheque (which I hasten to add have only accepted as part payment).
M3shl v Barclaycard
) Template sent with cheque for the maximum fee of £10.
Reply With Quote
Re: M3shl v Barclaycard
Re: M3shl v Barclaycard...HELP
