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.
Send my letter to BOS last wednesday (6th Dec) - ive had a CC with them for the past 10 yrs and been paying PPI and charges each and evey month. Not sure i've done it correctly but i have submitted both my data protection request giving the 40 days with 10 pounds and in the same letter requested my CCA agreement with 12 days notice and 1 pound fee (used the wording from somewhere else on this site). Once i posted it all, it dawned on me that perhaps they should have been seperate letters. Do you see any problem with this?
Anyway - no reply so far. Thing is, not sure how my claim is affected by the value of caliming back the PPI (i'm 100% sure i never agreed to PPI, in the 20 odd credit agreements i've had i have never had PPI) i think my PPI payments for the past 6 years will be around 5k and charges will have to run to well over 1.5k. But i guess i shouldnt jump the gun and should wait for their reply.
Also - i sent two cheques for payment, but this evening i found a post saying use postal orders, whys that?
I've waffled enough and will update you as and when. If this goes OK then i'll start looking at the other CC and accounts.
the use of postal orders is for a security reason so not to give bank account details to them i think.
bos~ Data Protection Act sent ~ statements received ~ owed £1766.82 ~ prelim letter sent 30/08/2006 ~lba handed in 14/09/2006 bos Data Protection Act sent ~ statements received ~ owed £1217.86 ~ prelim letter sent 30/08/2006 ~lba handed in 14/09/2006
court date issued of the 17th november
27th oct full offer totalling everything including 8% interest court costs and £10 dpa sar..... one down next to go.
Had a thought - can i claim for all the time it takes for me to compile my claim? So far i must have spent 10-15 hrs reading and doing background research. Although interesting, it's not really what i want to spend my time doing.
If i can claim for time, is there a standard rate or should i apply my contract work rate?
one thought i have heard expressed on this subject is that if you claim for expenses so could the bank and in the event of you not winning the costs you would be liable for would be much larger than the costs you could claim as a lay person. as i say it is just one view i have heard expressed.
bos~ Data Protection Act sent ~ statements received ~ owed £1766.82 ~ prelim letter sent 30/08/2006 ~lba handed in 14/09/2006 bos Data Protection Act sent ~ statements received ~ owed £1217.86 ~ prelim letter sent 30/08/2006 ~lba handed in 14/09/2006
court date issued of the 17th november
27th oct full offer totalling everything including 8% interest court costs and £10 dpa sar..... one down next to go.
Me v BOS charges and PPI
last wednesday (6th Dec) - ive had a CC with them for the past 10 yrs and been paying PPI
Reply With Quote
- can i claim for all the time it takes for me to compile my claim? So far i must have spent 10-15 hrs reading and doing background research. Although interesting, it's not really what i want to spend my time doing. 