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've just been to look at my experian credit report and one of the two defaults is on a third Abbey account I had. All of the default was caused by charges piling up.
The default was Sept 2000 so time is tight for me to claim.
I remember keeping one bank statement as it had the account number but I cannot find this statement for love or money.
Can I do a DPA request without the number?
If not, how can I find out the account number?
I phoned abbey and they wouldn't tell me it they said I would have to go to the branch (which is hassle as the nearest one is 17miles away)
You can make a DPA request without an account number. Write to them and give them your full name (and details of any changes of name) and your addresses for the past six years. Make sure that you enclose the statutory fee of £10 or they will ignore you for several weeks and then tell you that they want it before they can comply with your request.
Thanks.
Can I put more than one account on a DPA request?
I am about to send them a DPA request for the two accounts I still run so I wonder if I can add the unknown one? I know a few details about it (the type of account it was, the date it defaulted and the amount it defaulted for).
Give them as much information as you can but make it clear that you want ALL information about ALL accounts you have had with them in the past 6 years. If you get a reply similar to mine it will list all accounts you have ever had with them including any that were closed well over 6 years ago. Whether the DPA request will produce transaction listings for those old accounts is another matter.
Abbey DPA without account number
account I had. All of the default was caused by charges piling up.
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