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.
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
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Practically all of the charges I'm reclaiming (and watch the threads for how many there will be!) go back to early 2001, when things went really bad for us seemingly overnight. Eventually, we consolidated and paid off most of our loans, cards etc... Hubby finally convinced me last year (grrr) to get rid of all the paperwork that was cluttering the loft. Little did we know... *sigh*
Anyway, I'd guesstimate couple of hundred pounds on this one.
A couple of 100 from Argos???!!!!
That is almost the entire value of the stock at one store
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
They haven't... Got letter yesterday, saying they've looked at my account and the only charges there were the interest from deferred terms after 6 mths, and that they are correct charges.
Of course, that is not at all what I was talking about, and they're due for a letter before action to go on monday, reminding them time's running out for compliance with DPA request. Still, comparatively speaking, better than Ikea, who haven't even bothered answering at all!
Apologies to people who I was in the process of helping, I may be gone some time.
But if you don't have the charges, what are you going to sue for?
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
Sorry, got my sentences muddled up. What I meant was I was going to remind them of DPA timing. (Halifax are the lba, I'm really no thinking straight tonight!)
Apologies to people who I was in the process of helping, I may be gone some time.
Well, yet again (is it me? I had to phone Ikea and Natwest to chase them up as well), I phoned Argos to remind them tick-tock, tick-tock (tomorrow, as it goes).
First of all, the woman wouldn't talk to me as card is in DH's name, even though said husband was right there and told her to speak to me. Am I impressed? Guess...
So we had this weird conversation where I said to DH: "Tell her that DPA request is running out, and I'm going to complain to IC, etc..." and he repeated that...
Then I said... he repeated it... then she said... he repeated it to me... all the time, she could clearly hear me in the background! Surreal... Anyway....
She then said she would order the statements today and they would take 7-10 days... She must have heard me howl in the background that they'd had 39 days and I wasn't going to take this lying down, because she then promptly said that actually, they'd get posted tonight. I should bloody think so too.
Apologies to people who I was in the process of helping, I may be gone some time.
Well, to be honest, I had completely forgotten about them, with all that's going on elsewhere... Lucky Argos...
Anyway, post landed with a thud this morning, 21 statements in 21 envelopes.
At first glance, very disappointing, I'd guesstimated £200, it looks as if it's only £20! (With that kind of dubious maths, maybe I should go work for a bank!)
Ah well, still better in my pocket than theirs.
Apologies to people who I was in the process of helping, I may be gone some time.
Argos Store Card
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