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.
Well, here goes. I've got my postal order, printed my S.A.R - (Subject access request) letter and I'm off to the post office in about 5 minutes...
So I guess the 40 day countdown begins when they get the letter and it'll be interesting to see what they do - from reading some of the other threads on here they seem to be masters of the delaying tactics.
I'm really looking forward to having something to donate to the site when I get my money back!
Moorcroft DCA - CCA Requests (x2) sent 06/01/2007, 1 x CCA supplied and payments being made, one account passed back to Royal Bank of Scotland. Regal Credit demanded immediate payment in Nov 07, sent away with a flea in their ear as RBS is in breach of CCA.
Anonymous postcard from FCM Jan 08 can only be connected to this RBS farce!
Meritforce reported to TS, ICO, FOS and Ofcom April 07 for harassment and breaches of Data Protection Act over a debt that was paid more than a year ago! dec 07 ICO finally agree that DPA was breached but say that the law does not allow them to take any action!
Roxburghe DCA - CCA Request sent 06/01/2007, Unable to comply letter received 14/01/07.
Hi Endofmytether, welcome if this is your first post. You're amongst friends so any help you need please ask.
Wishing you the best of luck with your claim.
Sweetrevenge
Don't get mad - get even!
If I've helped you please hit my scales 'n' bump my rep!
RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12
WON at LBA with compound contractual interest £607
RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.
Well, my letter was delivered to them on the 10th so I guess I am looking at a deadline of the 21st of Feb...
Moorcroft DCA - CCA Requests (x2) sent 06/01/2007, 1 x CCA supplied and payments being made, one account passed back to Royal Bank of Scotland. Regal Credit demanded immediate payment in Nov 07, sent away with a flea in their ear as RBS is in breach of CCA.
Anonymous postcard from FCM Jan 08 can only be connected to this RBS farce!
Meritforce reported to TS, ICO, FOS and Ofcom April 07 for harassment and breaches of Data Protection Act over a debt that was paid more than a year ago! dec 07 ICO finally agree that DPA was breached but say that the law does not allow them to take any action!
Roxburghe DCA - CCA Request sent 06/01/2007, Unable to comply letter received 14/01/07.
Well, I got my copy statements for both the RBS Mastercard and the Tesco Visa card. The charges actually don't add up to anything like as much as I thought they might (seems I wasn't such a bad girl with these cards after all - it's going to be Nationwide who've charged me most!) but it's still a total of £205 on the two cards so intend to see this through...
Moorcroft DCA - CCA Requests (x2) sent 06/01/2007, 1 x CCA supplied and payments being made, one account passed back to Royal Bank of Scotland. Regal Credit demanded immediate payment in Nov 07, sent away with a flea in their ear as RBS is in breach of CCA.
Anonymous postcard from FCM Jan 08 can only be connected to this RBS farce!
Meritforce reported to TS, ICO, FOS and Ofcom April 07 for harassment and breaches of Data Protection Act over a debt that was paid more than a year ago! dec 07 ICO finally agree that DPA was breached but say that the law does not allow them to take any action!
Roxburghe DCA - CCA Request sent 06/01/2007, Unable to comply letter received 14/01/07.
Right, I've been through the statements and listed the charges on my spreadsheet (thanks Vamp) and I'm going to senf off my Prelim Letter asking for repayment of £240 tomorrow. It's not big money but it'll be interesting to see what their reaction will be...
Moorcroft DCA - CCA Requests (x2) sent 06/01/2007, 1 x CCA supplied and payments being made, one account passed back to Royal Bank of Scotland. Regal Credit demanded immediate payment in Nov 07, sent away with a flea in their ear as RBS is in breach of CCA.
Anonymous postcard from FCM Jan 08 can only be connected to this RBS farce!
Meritforce reported to TS, ICO, FOS and Ofcom April 07 for harassment and breaches of Data Protection Act over a debt that was paid more than a year ago! dec 07 ICO finally agree that DPA was breached but say that the law does not allow them to take any action!
Roxburghe DCA - CCA Request sent 06/01/2007, Unable to comply letter received 14/01/07.
I got standard bog off letters from both RBS Mastercard and Tesco Visa which said something like 'we do not accept the findings of the OFT in respect of credit card fees' and that it was 'your non-compliance with our rules that ended up in the charges being made'
Do I now hit them with an lba? If so, do I submit one claim for both cards as they're both issued by RBS or treat them individually as I got separate responses from the two card companies albeit at the same address!
Moorcroft DCA - CCA Requests (x2) sent 06/01/2007, 1 x CCA supplied and payments being made, one account passed back to Royal Bank of Scotland. Regal Credit demanded immediate payment in Nov 07, sent away with a flea in their ear as RBS is in breach of CCA.
Anonymous postcard from FCM Jan 08 can only be connected to this RBS farce!
Meritforce reported to TS, ICO, FOS and Ofcom April 07 for harassment and breaches of Data Protection Act over a debt that was paid more than a year ago! dec 07 ICO finally agree that DPA was breached but say that the law does not allow them to take any action!
Roxburghe DCA - CCA Request sent 06/01/2007, Unable to comply letter received 14/01/07.
Hi I would put both card claims together providing they don't go over the top of what the court allows on one suit. But on your spread sheet put each card figures seperately showing a grand total at the bottom.; I have done this on several occasions and it worked out fine and saved time. Best of luck
My lba is going off to them tomorrow, it's not a huge claim but it's MY money and I want it back!
Watch this space...
Moorcroft DCA - CCA Requests (x2) sent 06/01/2007, 1 x CCA supplied and payments being made, one account passed back to Royal Bank of Scotland. Regal Credit demanded immediate payment in Nov 07, sent away with a flea in their ear as RBS is in breach of CCA.
Anonymous postcard from FCM Jan 08 can only be connected to this RBS farce!
Meritforce reported to TS, ICO, FOS and Ofcom April 07 for harassment and breaches of Data Protection Act over a debt that was paid more than a year ago! dec 07 ICO finally agree that DPA was breached but say that the law does not allow them to take any action!
Roxburghe DCA - CCA Request sent 06/01/2007, Unable to comply letter received 14/01/07.
In response to my lba, RBS have made me an offer of approximately 25% of the amount I am claiming. They have said that they will repay this to the account (which is closed so that would be pointless anyway) and if I accept it will be Full and final settlement.
Of course, I have no intention of accepting but do I need to write to them and decline or do I simply go ahead and start my MCOL claim?
Moorcroft DCA - CCA Requests (x2) sent 06/01/2007, 1 x CCA supplied and payments being made, one account passed back to Royal Bank of Scotland. Regal Credit demanded immediate payment in Nov 07, sent away with a flea in their ear as RBS is in breach of CCA.
Anonymous postcard from FCM Jan 08 can only be connected to this RBS farce!
Meritforce reported to TS, ICO, FOS and Ofcom April 07 for harassment and breaches of Data Protection Act over a debt that was paid more than a year ago! dec 07 ICO finally agree that DPA was breached but say that the law does not allow them to take any action!
Roxburghe DCA - CCA Request sent 06/01/2007, Unable to comply letter received 14/01/07.
I would write them and tell them what is what and if you do not receive full payment by (the day you set) you will be happy to meet their representative in court and it will increase their costs considerably. Good luck
EndOfMyTether vs RBS
) letter and I'm off to the post office in about 5 minutes...
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Sweetrevenge 
