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.
I submitted an S.A.R - (Subject access request) to MBNA, and received a response (within 40 days) that:
- listed charges against my account (about £1200)
- stated that (roughly) half of the charge amout had been refunded.
I wrote back to MBNA saying that although I accept £600(ish) of refunded charges, I would still pursue a course of action for a full refund.
Being the skeptical kind of guy I am (), I also stated in this letter that I did not believe their print out was a complete an accurate response, and as such by them not sending me any statements (both of which were on my original SAR) they had not complied with my Subject access request.
At the time of my letter, the 40 days had not elapsed, and I reminded them of this deadline. This deadline has now passed; in fact it has passed by two weeks (just to give them a small amount of leeway!)
Was I right to respond in the manor I did, i.e. by not sending me statements have they not complied with my request, and what action should I look to take?
SiJP vs MBNA - SAR non-compliance?
goers..
) to MBNA
), I also stated in this letter that I did not believe their print out was a complete an accurate response, and as such by them not sending me any statements (both of which were on my original SAR) they had not complied with my Subject access request
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