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 the SAR letter from the templates, and MBNA returned £128 before I had asked for anything back! along with the statements (more like a print of the account history from their PC). Just added it up and it should be £250ish plus interest, so will persure them for the remainder.
One slight technicallity is that they sent the payment to Westcot, who are now looking after the account since the default. They also say in the letter to deal with them from now on.
HSBC- Pre Lim sent 12-12-06, LBA sent 27-12-06, reissued 5-1-07. Part offer rejected 17-1-07, MCOL 19-1-07, AQ - 21-2-07. Settled Nationwide- S.A.R. sent 13-12-06, Pre lim sent 5-1-07, LBA sent 19-1-07, MCOL 2-2-07, WON 22-2-07. Capital One - S.A.R. sent 13-12-06, Pre lim sent 17-1-07, LBA sent. Settled MBNA- S.A.R. sent 13-12-06, Offer rejected 19-1-07, Pre Lim 19-1-07, LBA sent, Setteled 21-2-07. MBNA Loan PPI - Pre lim sent 19-2-10, Settled. MBNA CC PPI - Pre lim sent 19-2-10, WON 2-7-10. HSBC PPI - Pre lim sent 19-2-10, with Court EGG PPI - Pre lim sent 19-2-10, FOS upheld 3-7-10
just done pre lim and added contractural interest, now its £551.99 the owe me.
which is nice
HSBC- Pre Lim sent 12-12-06, LBA sent 27-12-06, reissued 5-1-07. Part offer rejected 17-1-07, MCOL 19-1-07, AQ - 21-2-07. Settled Nationwide- S.A.R. sent 13-12-06, Pre lim sent 5-1-07, LBA sent 19-1-07, MCOL 2-2-07, WON 22-2-07. Capital One - S.A.R. sent 13-12-06, Pre lim sent 17-1-07, LBA sent. Settled MBNA- S.A.R. sent 13-12-06, Offer rejected 19-1-07, Pre Lim 19-1-07, LBA sent, Setteled 21-2-07. MBNA Loan PPI - Pre lim sent 19-2-10, Settled. MBNA CC PPI - Pre lim sent 19-2-10, WON 2-7-10. HSBC PPI - Pre lim sent 19-2-10, with Court EGG PPI - Pre lim sent 19-2-10, FOS upheld 3-7-10
Mbna Sar
letter from the templates, and MBNA returned £128 before I had asked for anything back!
along with the statements (more like a print of the account history from their PC). Just added it up and it should be £250ish plus interest
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