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.
As memory serves, my charges with Barclaycard were never for anything other than late payments, and having hit the microfiche brick wall that others on here will have hit, I was trying to think of an alternative. I have a copy of my credit file which shows the number of months where payment was in arrears. Could I use this information to claim back the charges? I can show that I have made an effort to gain the accurate information, as they have written to me with details outside the period I specified (ie after). When I put in the claim they will have to dispute the amount I am claiming back off them.
I apologise if this has already been posted about, but I would appreciate the feedback.
Re: Can I guess at the charges they won't give me?
Scrap that, I did have one statement and I was over my limit, and comparing that to my credit record, charges will have taken me over the limit, so I am going to pay the £3 a file, as I only need 13 months worth and I am sure that I have way more than £39 to come back. I shall of course apply to have this refunded?
Re: Can I guess at the charges they won't give me?
Originally Posted by ruthedmonds
As memory serves, my charges with Barclaycard were never for anything other than late payments, and having hit the microfiche brick wall that others on here will have hit, I was trying to think of an alternative. I have a copy of my credit file which shows the number of months where payment was in arrears. Could I use this information to claim back the charges? I can show that I have made an effort to gain the accurate information, as they have written to me with details outside the period I specified (ie after). When I put in the claim they will have to dispute the amount I am claiming back off them.
I apologise if this has already been posted about, but I would appreciate the feedback.
Did you try to do anything about the microfiche issue?
I have told them I do not accept their view that their records are not "readily accessible" on the basis that if they are accessible for £3 a go, they are accessible for the purposes of the DPA.
Re: Can I guess at the charges they won't give me?
I just sent in the cheque, and I will try to claim it back, although they could argue back that there was a service involved in going through the microfiche. In the end with the statement I already have,I only needed 12. I know I only had problems for a year with this card, and only defaulted during this time, which I now understand took me over my limit. For £36 when I know there were at least 12 late payments, it's worth it to me even if I can't claim it back. (but I will try)
Re: Can I guess at the charges they won't give me?
FWIW
If you have some data you can use that to prepare an estimate whilst pursuing them for the statements via the DPA and a sec 7 claim.
Personally i wouldnt send them any money for statements, when you get to court with your estimated claim they willproduce the relevant data, especially if you have claimed more than you should have.
After the 11th Sept when the ICO plans to write to all those involved in the Abbey fiche issue its likley that B/card will either clap theior hands in joy or hold their heads in their hands.
If its the former then we need to press to court to try to get a ruling on the fiche argument.
JMHO
GLenn
Kick the shAbbey Habit
Where were you? Next time please
Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless
Abbey 2nd claim, two Accs - claim issued 30-03-07 Barclaycard - Settled cheque received
Egg 2 accounts ID sent 29/07 Co-op Claim issued 30-03-07
GE Capital (Store Cards) ICO says theyve been naughty
MBNA - Settled in Full
GE Capital (1st National) Settled
Lombard Bank - SAR sent 16.02.07
MBNA are not your friends, they will settle but you need to make sure its on your terms -read here Glenn Vs MBNA
Re: Can I guess at the charges they won't give me?
I estimated mine and sent them a stern letter re micorfiche. If they can't supply the details of charges then an estimate is justifed. If it's an over estimate then tough! Once they provide me with the accurate infomration I will adjust my claim accordingly and that's what i have told them. They have given me a credit for everythin less the £12 they say is recommedned by the OFT back til May 2004 but nothing for the estimates......yet. We'll see what happens
Lisa x
NatWest: MCOL 16/08/2006 AQ's - copy received from Cobbets 07/10/06 offer received: 14/10/06 FULL AMOUNT RECEIVED TODAY (1st Nov)
Citicards: LBA sent 05/10/06
Baclaycard: MCOL 07/09/06 Defence filed on deadline
Claims settled in full are:
Sainsburys Bank
Mint (RBOS)
Style store card (RBOS)
Natwest Mastercard
Marbles (HFC)
HSBC
MBNA
Can I guess at the charges they won't give me?
I can show that I have made an effort to gain the accurate information, as they have written to me with details outside the period I specified (ie after). When I put in the claim they will have to dispute the amount I am claiming back off them.
Reply With Quote
Re: Can I guess at the charges they won't give me?
Originally Posted by ruthedmonds
