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.
Took out a loan with citifinancial back in 2002. Sent off CCA to them to get copy of original loan agreement. The loan was paod off in 2005. They wrote back explaining they could not find it and returned my £1 postal order.
Is this a fob off tactic? Legally aren't they supposed to keep records for 6 years?
My question is: what are my legal rights and what next steps can I take?
Re: Citifinancial cannot find original loan agreement
hi nalin,
your right they do have to keep records but as you have paid the loan off theres not much a cca can help you with (i will be corrected if wrong) your best course of action will be to send a dsar that way you should get all the info you will need to find out if there is any charges that you can claim back.
the cca to my knowledge will help if your disputing the amount etc or your not sure why you have been sent request for payment. loads over on the debt and bailiffs section.
Citifinancial cannot find original loan agreement
?
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