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.
I requested my account CCA at the end of November along with my SAR - enclosing both fees. I've now received all my statements for the past 6 years, but no CCA. I initially requested this information as I am paying PPI that I am sure I didn’t agree to. However, as they seem to be unable to supply my CCA and are now technically committing a criminal offence what options do I have?
From reading other threads it sounds like that any balance I have, I still technically owe (don’t have a problem with this), but they owe me all my PPI payments, all charges, and compound interest on these. What I wonder is if I can claim back all the interest they have charge me as the actual terms of the alleged debt are null and void.
Also, I requested any record of manual intervention to my account, they replied saying they don’t keep a record and therefore will not supply it. This confused me for two reasons, I’m sure all interventions would be electronic and if so, logged - therefore falling into my SAR?
Cca & Ppi
- enclosing both fees. I've now received all my statements for the past 6 years
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