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.
Is there a formal process one has to go through to use the Freedom of Information Act? E.G. are there forms to use, fees to pay etc. Do I need to quote the relevant part of the act and so on?
You need to ask the bank or credit card company for your statements.You ask for an S.A.R. (Subject access request).This will cost £10,so make sure you put a cheque into your letter.They may send them for free though.There are sample letters in the Bank templates library.
Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later.
Then look at other threads in your bank’s forum, so as you know what you can expect to happen.
You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily.
There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time.
This is a self-help forum and you must be prepared to put in time and effort. It is your claim, your money and you cannot expect others to do all the work for you.
When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help. Don't forget to check on any Early Redemption Penalties,old mortgage accounts,as you may be able to claim them back as well.
Remember: The Ark was built by amateurs-The Titanic by professionals.
Please click my scales if you find my advice helpful !
If your claim is successful, please donate 5% so that it can continue to help others.
Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.
WARNING TO ALL
Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers
HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?
YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.
Freedom of Information
The Consumer Forums
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