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.
Sent my first letter (DPA request) off on the 12th of December. Got a letter back just before christmas saying that the charges were part of the terms and conditions and that they would be reviewing their charges in the future. Also included a booklet about the terms and conditions of the current account.
They haven't banked my cheque yet and the 40 days (i'm assuming it's 40 working days) won't be up until feb some time.
Should I just hold off until the 40 days is fully up?
Hi! the only letter that you need to take any notice of is the one that says "Here are all your charges back!"
They are on your timescale and conditions. The shoe is on the other foot etc etc etc.
Your timescale is 40 CALENDAR days - so, sent 12/12, assume received 14/12 (reasonable timescale in law!) therefore your 40 days are up on 21/1. If you haven't got what you asked for by then start making waves. There are templates in the library to remind them and for the Data Registrar, also there is info around on how to take them to court and make them give you the info.
Before that happens though, when you have about ten days to go and want to give them a nudge look through my old thread for loads of contacts, as I keep saying in there, Kelly is the one! I bet she hates me!
Best of luck, any probs PM (sorry, private message) me and I'll try to help. Bear with me though, my Dad's in hospital 30 miles away and the days are a blur.
Finally got a letter from the Halifax and all my statements are being sent out in the next day or so. They cashed my cheque of 10 pounds on the 16th though!
So I should know by this time next week how much I'm owed!
mccann vs Halifax
and that they would be reviewing their charges in the future. Also included a booklet about the terms and conditions
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"Another charge by the Bank?"