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.
Hello they took 19 days for my SAR which from what I've been reading is pretty good going, however, they only went back to oct 01 on an account that's been open since 98. Have written asking for the remaining info if they have it. My thread is Koko vs Marks & Spencer in this section. Thank god someone finally on the same time line as me with them. Have you noticed how everyone who starts with M&S seems to vanish, scarey, unless they're all signing confidentiality agreements of course. Keep updating your thread, I'm v interested to see what happens with you.
Koko
Lloyds TSB Current Account/Joint Account/Business Account (ST not Ltd) PL 30/8/06; lba 14/9/06; N1 filed 24/10/06
M&SFS Credit Card SAR16/9/06; partial data rec'd; 11/10 written; in correspondence
Lloyds TSB Credit Card SAR16/9/06; partial data rec'd 14/10; written 30/10/06 ext'd timelimit;
Student Loans Company Ltd SAR2/10/06 silence!!!
Lloyds TSB PPI on Loans CCA & SARsent 21/10/06
Partner:
Lloyds TSB Current Account SAR3/10/06 silence !!!
Credit Cards:
Lloyds TSB SAR3/10/06; rec'd 26/10 back burner for now
Marbles SAR3/10/06; rec'd 26/10 back burner for now
Monument SAR3/10/06
Virgin SAR3/10/06
Morgan Stanley SAR3/10/06; partial data rec'd; 19/10 CCA req; 24/6/06 rec'd; in correspondence
Barclaycard SAR3/10/06; data rec'd; 14/10 written with CCA request; 24/6/06 rec'd; in correspondence
I am happy to offer helpful advise in many consumer problems based on my retail experience. I do not represent any company, and any advise I do offer is my opinion and how I understand the law. I have no authority to create any terms for any company I do work for and will just nudge you in the right direction without breeching their trust.
Lists of charges received today, recorded delivery and a letter stating that if I require the full statements they are happy to supply. They also sent back my cheque for £10!
Ohhhh Yeeeeesssss. Just get the kids to bed then I'll be back on with as much of an explanation as I can give, providing of course they sent you the same kind of stuff! Koko
Lloyds TSB Current Account/Joint Account/Business Account (ST not Ltd) PL 30/8/06; lba 14/9/06; N1 filed 24/10/06
M&SFS Credit Card SAR16/9/06; partial data rec'd; 11/10 written; in correspondence
Lloyds TSB Credit Card SAR16/9/06; partial data rec'd 14/10; written 30/10/06 ext'd timelimit;
Student Loans Company Ltd SAR2/10/06 silence!!!
Lloyds TSB PPI on Loans CCA & SARsent 21/10/06
Partner:
Lloyds TSB Current Account SAR3/10/06 silence !!!
Credit Cards:
Lloyds TSB SAR3/10/06; rec'd 26/10 back burner for now
Marbles SAR3/10/06; rec'd 26/10 back burner for now
Monument SAR3/10/06
Virgin SAR3/10/06
Morgan Stanley SAR3/10/06; partial data rec'd; 19/10 CCA req; 24/6/06 rec'd; in correspondence
Barclaycard SAR3/10/06; data rec'd; 14/10 written with CCA request; 24/6/06 rec'd; in correspondence
OK this is what I got in roughly the order I got it.
1. Cover letter
2. Copy of original agreement (I specifically asked for this in conjunction with SAR letter)
3. Various screen shots:
a. ID info
b. general account info
c. Last six months statements
d. Communications Log (last few months)
4. "Explanation of Data Held by M S Money" repeat of 3 a b and c above but in different style with pointers as to what is what
5. Copy statements printed several to a page, just basic data not the fancy type you get through the post every month from 4/10/01 to 12/3/06.
6. More "Explanation of Data Held by M S Money" covering 3 d above back to 21/4/06.
7. Communications log from 21/4/06 to 22/9/06 (different style printout to 3 d above) with sample letters.
8. Previous Adress details
9. Purged history enquiry - Memos. This seems to be a printout of all the notes of conversations from 19/8/03 to 29/9/05, same data twice in two different formats.
10. Collection Master Inquiry - Memos. Combination of 7 and 9 above again supplied twice in two different formats. More sample letters.
11. Collection Master Inquiry - Actions. Movements on my account ie payments made, interest added (called "FIN CHRG), Debits (PPI Ins I think) from 12/9/05 to 13/9/06
12. Collection Master Inquiry - Maintenance. Errr not entirely sure but runs from 27/8/05 to 14/9/06.
13. Third party details if any.
The bits in blue are where I found my charges, there isn't a nice easy list I had to go through with a highlighter pen.
Hope this helps a bit any questions just holler! Koko
Lloyds TSB Current Account/Joint Account/Business Account (ST not Ltd) PL 30/8/06; lba 14/9/06; N1 filed 24/10/06
M&SFS Credit Card SAR16/9/06; partial data rec'd; 11/10 written; in correspondence
Lloyds TSB Credit Card SAR16/9/06; partial data rec'd 14/10; written 30/10/06 ext'd timelimit;
Student Loans Company Ltd SAR2/10/06 silence!!!
Lloyds TSB PPI on Loans CCA & SARsent 21/10/06
Partner:
Lloyds TSB Current Account SAR3/10/06 silence !!!
Credit Cards:
Lloyds TSB SAR3/10/06; rec'd 26/10 back burner for now
Marbles SAR3/10/06; rec'd 26/10 back burner for now
Monument SAR3/10/06
Virgin SAR3/10/06
Morgan Stanley SAR3/10/06; partial data rec'd; 19/10 CCA req; 24/6/06 rec'd; in correspondence
Barclaycard SAR3/10/06; data rec'd; 14/10 written with CCA request; 24/6/06 rec'd; in correspondence
If PPI was forced on you complain, they aren't allowed to do this, and if you can prove it, ask for it all back plus compound interest.
Koko
Lloyds TSB Current Account/Joint Account/Business Account (ST not Ltd) PL 30/8/06; lba 14/9/06; N1 filed 24/10/06
M&SFS Credit Card SAR16/9/06; partial data rec'd; 11/10 written; in correspondence
Lloyds TSB Credit Card SAR16/9/06; partial data rec'd 14/10; written 30/10/06 ext'd timelimit;
Student Loans Company Ltd SAR2/10/06 silence!!!
Lloyds TSB PPI on Loans CCA & SARsent 21/10/06
Partner:
Lloyds TSB Current Account SAR3/10/06 silence !!!
Credit Cards:
Lloyds TSB SAR3/10/06; rec'd 26/10 back burner for now
Marbles SAR3/10/06; rec'd 26/10 back burner for now
Monument SAR3/10/06
Virgin SAR3/10/06
Morgan Stanley SAR3/10/06; partial data rec'd; 19/10 CCA req; 24/6/06 rec'd; in correspondence
Barclaycard SAR3/10/06; data rec'd; 14/10 written with CCA request; 24/6/06 rec'd; in correspondence
Thank you Koko, your posts are not too long - I'm just lazy - my apologies
I shall be going after the PPI then. I had a separate insurance to cover my salary if I was unable to work and yet all the banks insisted that I take theirs. I am now going to go after First Direct (loans, credit cards), Co Operative (loans, credit cards) and M & S.
Sent letter to claim back PPI (only totalling £346.00 but still every penny counts with the mess that I am in) received a reply saying that they were looking into the matter. Just after Christmas received a cheque for the full amount and a letter of apology!!!! Hurray!!!
Hi i'm just starting on Marks & Sparks can you guide me in the right direction of the 1st letter to send please and what it is i need to ask for as the account has been idle for years exact date i have no idea but the card originally was taken out 10 yrs ago !!!!!
statements requested 23rd Nov charged £5
statements arrived 28th Nov
sent first letter claiming £1264 on 7th Dec to halifax
halifax replied standard letter 13th Dec
second letter sent 22nd Dec
Halifax sent letter 22nd Dec offering £1087 full & final only £177 short of the full amount
Accepted the offer on 28th Dec on to the next one.......
I believe the statute of limitations is for six years. Send them the request for information under the Data Protection Act letter, which can be found in the templates section, to begin with.
Gingi1 v Marks and Sparks
Reply With Quote
Originally Posted by Gingi1
