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,ve posted this thread in here because I beleive they are owned RBS I haven,t been able to find any info on this site about them.but the story is so far I have a default on my credit history placed there by this company, the account is now setteled in full....I,m taking a two pronged approach.1 I requested copy of defaut notice and origional credit agreement (no reply and 30+ days have passed) 2 I,ve sent SAR and got my statment back sent letter asking for £262 in charges refunded plus removal of the default as it is made up of unlawful charges as per letters.Now the questions are 1 does anybody have any info on this company 2 .. should I keep up with both approaches or stick to reclaiming my charges and insisting they remove default as part of my settelment
well now there,s a suprise, just 7 days after my letter before action,got a letter from adam porter (nice man just in case he reads this)stateing that as a jesture of goodwill he is going to refund my bank charges (didn,t give an ammount but it should be full ammount £290.50)sending cheque as account is closed.however he says default will not be removed as it,s lawfull (It,s as lawfully as the charges that they applied to my my account)so If you,ve read the previous post I,m about to combine the two pronged approach 1..as a condition of settlement it must be removed....2.you have not provided me with a true copy of agreement and a copy of the default notice..there for I intend to persue my legal action to have this default removed, but as you have been promt and helpful I will extend my dead line by a further 7 days ..donation on it,s way once cheque clears....
This is MY oppinion for what it worth
BARCLAYS BANK LBA 23/10/05 £2,626.67MCOL ISSUED 11/11/05
LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default
BARCLAYCARD LFB 10/9/06 £320.00
AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance)
"divant worry aboot what ya owe let them woory that want,s it off ya"
MR T V LOMBARD DIRECT (credit card)
I haven,t been able to find any info on this site about them.but the story is so far I have a default on my credit history placed there by this company, the account is now setteled in full....I,m taking a two pronged approach.1 I requested copy of defaut notice and origional credit agreement (no reply and 30+ days have passed) 2 I,ve sent SAR
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MCOL ISSUED 11/11/05 
