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 sent off the S.A.R - (Subject access request) letter together with the £10 fee and have received the following from GE Money:
''We have not been able to locate any statements. However, i have enclosed a list of all transactions for the last 2 years''.
I thought that by law records should be kept for a minimum of 6 years?
What do i do now? I'd be really grateful if anyone out there has had a similar situation and can advise me what to do next?
Re: They cannot locate any statements - what now?!
They are not obliged to provide you with statements, if you read the letter you sent you were actually asking for a list of transactions, which you have received.
Did you request this for the last two years, or did you request it for a longer period?
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
Re: They cannot locate any statements - what now?!
They sent me details on one account but then said on the other account they were unable to locate any statements! They have sent me a list of transactions for the last 2 yeas but I did actually ask for the last 6 years.
They say futher on in their letter, and i quote:
I fully appreciate this does not meet with your requirements and apologise for any inconvenience this may cause. This is certainly not our intention and i am sorry i am unable to provide the information you have requested on this occassion. However, if you have any correspondence relating to disproportionate penalties on your account, please provide us with a copy of these details at your earliest convenience, which will enable us to look into reimbursing the charges - unquote.
Surely they must have records? I don't believe that it should be down to me to give them the information! I was asking them for the information and i paid to get that information! I would be really grateful on where i go from here.
Re: They cannot locate any statements - what now?!
If they say they do not have the information you have requested then you need to give them 40 days before ( send them reminder of this) making a complaint to the Info Comm, sounds like a stalling tactic.
Re: They cannot locate any statements - what now?!
Originally Posted by george mcmenamin
If they say they do not have the information you have requested then you need to give them 40 days before ( send them reminder of this) making a complaint to the Info Comm, sounds like a stalling tactic.
Forget the Information Commisioners Office!
If they don't provide the required information after the 12 working days + 30 days the sue 'em. Issue an N1 claim from your friendly local county court!
Pete
I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6
Re: They cannot locate any statements - what now?!
Originally Posted by Number6
Forget the Information Commisioners Office!
If they don't provide the required information after the 12 working days + 30 days the sue 'em. Issue an N1 claim from your friendly local county court!
Pete
Erm...thats for a cca request, think we're talking about a DPA SAR when it's 40 days. You are then advise to send the 7 day lba and then apply for a court order!
They cannot locate any statements - what now?!
) letter together with the £10 fee and have received the following from GE Money:
Reply With Quote
Re: They cannot locate any statements - what now?!
Originally Posted by george mcmenamin
