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.
heyho everyone, i seem to be at the beginning of a long road, my first hurdle is this concise Subject access request, it contains a list of interest and charges. I'm hoping somebody may know how to calculate what they (The Co-operative bank) actually owe me and how to go about getting it refunded. thanks for yer time, fm daisy
You can claim back 6 years worth of non payment of Direct Debits, unpaid cheques,overlimit fees, late payment fees.
Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later. Our aim is to make you aware of your rights as a consumer, enabling you to fight back against unlawful bank, credit and store card charges. In the website you will find information on how you could get your money back
Then look at other threads in your bank’s forum, so as you know what you can expect to happen. You can claim back your charges, and a few are trying for the payback of Early Redemption Charges on loans and Mortgages.
You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily.
There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time.
Take your time and have a good read around this site. Then come and join us in our forum. Here we can guide you every step of the way. Please remember, we are here to help you help your self.
When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help.
If you any questions please do come to the forum and we will only be too happy to help you!
Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed.
Remember: The Ark was built by amateurs-The Titanic by professionals.
Please click my scales if you find my advice helpful !
If your claim is successful, please donate 5% so that it can continue to help others.
Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.
WARNING TO ALL
Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers
HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?
YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.
Some time ago I ent off a S.A.R - (Subject access request) to Cabot regarding a debt that I knew not of. In due course they repilied stating that they had bought the debt from another company and did not have to provide the original signed agreement and also that a letter from them explaining that fact was legal and sufficient. Are they correct to assert?
what to do with a Subject Access Request ?
, it contains a list of interest
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