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.
Hi hope you can help:
I have both a current account and a credit card with the Natwest. I sent off the £10 fee, in order to gain the last 6 years of account information. Although I asked for information on both accounts (current and credit card), i received only info on my current account.
Should I now wait for information to come through on my credit card account before i proceed? Or should I treat them as 2 separate cases, send a second £10 fee for the further credit card information and then continue to send 2 of each future letter?
Kind regards
You only need to send £10 for the whole amount of Data they hold. This should include the credit card statements as well as they are with the same bank. A phone call to them may be needed.
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 can claim back your charges, and a few are trying for the payback of Early Redemption Charges on loans and Mortgages.
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.
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.
Bank Charges/Credit Card
. I sent off the £10 fee, in order to gain the last 6 years
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