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.
Recieved my statements today. Only 2 years worth with the standard garb about the rest not being held on computer, but you can have them for £3 a go.
Only £240 charges on the first 2 years which surprised me a bit, so what i've done is issued letter 2 and have given them an oppotunity to refund the last 2 years as Full and final payment within 14 days or i shall proceed to court action for the full amount which i calculate at £360 + court costs.
Had standard letter from them today, no offer. Sent lba, but claimed £360 back.Has my last post said, i've been charged £240 in last 2 years, but as the've refused to send me the ist years detailsand want to charge me £3 a copy which i wont do, i've estimated them at £120.Will i leave my self open to be challenge if i persue that amount?
Look forward to your replys. THANKS ALAN
The reason this was not answered is because it has been answered many times on the forum.Can you please use the search facility before asking questions to make sure they have not already been answered .This is not to be awkward with you but it is very importnant that you fully understand what you are undertaking and do the ground work yourself.
When you want to fool the world, tell the truth. Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any
doubts.
hi not sure if this is the right way to go but I requested 6 years from barclaycard and got 2 years, i worked out how much they had charged me in 2 years and multiplied by 3. here is the prelim letter i sent, i assumed if they where to argue and wanted to go to court then they would have to provide the six years information anyway as they had breached dpa, and I would be happy if it was less as long as it was what i had been charged. I highlighted that it was estimate due to lack of statements they were able to provide.... maybe moderator can see if this is a good way to go I will keep you up to date lba due out on 7th june....then moneyclaim 14 days later.... DONT MIND TELLING JUDGE IT WAS ESTIMATE AS BARCLAYCARD DISREGARDED THE DPA 1998...
Customer complaints department
Barclaycard
1234 Pavilion Drive
Northampton
NN4 7SG
24/05/06
Dear Sir/Madam,
CARD/ACCOUNT NUMBER:
I now understand that the regime of fees which you have been applying to my account in relation to late fees and over limit charges are unlawful at Common Law, Statute and recent Consumer regulations.
I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.
I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.
*I estimate that you have taken £1680 plus £134.40 which you have charged me in interest for the sums which you have taken. Total £1814.40
Additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account.
*The reason I am estimating these charges is that you say you can only provide 2years information (may 04 until may 06) under the data protection act. I find this to be untrue and unlawful and a separate letter will be sent to the information commissioner to report these actions. I am willing to be advised if this amount is incorrect of the true amount, once this information is received and then can be adjusted accordingly.
In addition to full payment of the sum mentioned above I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.
I require repayment in full of this money and removal of the default notice. If you do not comply fully within 14 days, I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.
Parkes V Barclaycard
The Consumer Forums
Reply With Quote
Re: Parkes V Barclaycard
