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.
another question:
i used to have a Halifax credit card but the account was closed. am i able to claim for this aswell (separetely) or as its a closed account is it void?
Just say who you are, where you live, any previous addresses used when the account was in use (or even credit card). If you've changed your name, say through marriage, then you'll need proof of the change.
right have been without internet access til now so now its a new year and im back online to claim back.
cant find the SAR form, anyone got a link please?
right have been without internet access til now so now its a new year and im back online to claim back.
cant find the S.A.R - (Subject access request) form, anyone got a link please?
I would post recorded delivery, you know for sure then when it has been received, I did this with all mine - although I know not everybody does, some just ask for proof of posting.
If you're posting something important then recorded delivery offers tracking, via the Post Office website. However, you may find that no signature is given as they receive bundles of mail daily. Chances are they sign once for the lot.
Also, if you send to a PO Box address then there's often no receipt for recorded delivery. Worth bearing in mind when you get to offer letters and have to reply to the PO Box in Leeds.
Proof of posting is acceptable by the courts, and is a sight cheaper. You pays your money, you takes your choice.
Your countdown would start a couple of days after posting the item, as this is usually accepted as the date it would be received. Again, the way the courts look at it, not a fact in law.
Be good to those who give you advice that helps - click the star below to give them your thanks by way of a reputation credit.
I've launched my CAG inspired site at http://hillards.co.cc/ for anyone who wants to know what the DCA's are really like, or what a CCA or SAR is... Lots of good reading!
IMPORTANT: Take my advice on the basis that I am expressing my opinion, based upon knowledge gained. I am not a lawyer and have no legal standing
right, well bought myself a £10 postal order and attached the SAR letter and sent via 1st class recorded delivery yesterday. 40 days and counting....
managed to open a new account with HSBC last week so im safe, feeling really positive about it all!
Probably best - but I know its frustrating waiting - we all just want our money back. Interesting programme today on radio 4, moneybox, they were talking about bank charges and how the judges are getting fed up with the banks making people file court action with no intention of turning up in court, it seems they want the banks to pay out before or put their money where their mouth is and defend in court.
received a "completion of request for a list of transactions and charges" letter today!
statements being sent under separate cover, within 10 working days (by 12th feb i think) YAY.
hardcore_alleigh vs halifax ***WON PRE-OFT***
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so now its a new year and im back online to claim back.
Originally Posted by hardcore_alleigh
