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.
Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act.
But was wondering if there are any tips or templates how to make the complaint. Apologies if this already somewhere - I checked FAQs and templates but couldn't find it.
Furthermore, do people generally add this or not? Any experience whether it helps?
I dont think that any bank gives a stuff about the oft, if they did they would be ringing up customers and asking for their forgiveness.
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
Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act.
But was wondering if there are any tips or templates how to make the complaint. Apologies if this already somewhere - I checked FAQs and templates but couldn't find it.
Furthermore, do people generally add this or not? Any experience whether it helps?
Whatever I post is just my opinion, no more, no less!
......................... ......................... ................... NatWest=>settled in full, no strings! NatWest creditcard=>settled in full, no strings!
It depends what you mean by pointless. We know they can't individuals resolve disputes so in that sense complaining is pointless because it isn't going to help you directly. But giving them your evidence is going to help the authorities build a case against companies and allow them to take action- we can't complain they don't do anything when we don't provide them with the information to do something.
Although we shouldn't have high expectations as the Consumer Credit Act isn't really a great bit of legislation as far as I can tell. You need a licence to trade and the only penalty seems to be having that licence taken away- but does anyone really think the OFT is going to take a bank's licence away and effectively put a bank out of business?! Can't see it, if only because it would require a ridiculous amount of evidence to warrant such a serious sanction! Millions and millions of customers so a few complaints isn't going to be much to go on. I assume that is why the new Consumer Credit Act is being brought in as that seems to have a wider range of penalties attached to it, like fines. Easier to fine someone than put them out of business.
Complaint to OFT?
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Re: Complaint to OFT?
Originally Posted by Bart
- didn't expect it to, anyway.
