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 am trying to claim my charges back from barclaycard. I requested statements and after a long argument they agreed to back down on the microfiche stand and provide me with all statements. I have just received the package, but they have omitted the first 3 and last 8 statements. I know there would be charges on these. Should I estimate them and let them prove me wrong, or continue the battle with them to get all of the statements?
I had the same problem on another card - would suggest you call them to find out where the missing statements are - ask to speak to Adrian Whalley in the Data Protection Team (with a bit of persistence even the Indian call centre will eventually put you through to him). Depending on the answer,work out your "average" monthly charge and apply that to the missing months (you could take your worse month and use that - it will really scare them especially if you are including contractual interest on teh claims!!)- then do you prelim based on the estimate (clearly stating in the letter you have been forced to make an estimate due to their non-compliance, and even though it may not speed up the settlement process it will hurry themup in producing the statements.
If you think my advice has been helpful, please click on the scales to the left thank you!
Non illegitimi carborundum
I wish I was a glow worm, A glow worm's never glum!
How can you be grumpy, when the sun shines out yer bum?!
Amex * 2 *** WON *** Settled
Marbles ****WON*** In full settlement
Capital 1 ***WON*** In full settlement
MBNA ***WON**** In full settlement
Barclaycard ***WON*** In full settlement
Barclays Bank - ***WON*** In full settlement
Abbey ***WON*** In full settlement
Abbey (Mrs Chorlton) ***WON*** In full settlement
Abbey (Mr and Mrs C) - MCOL submitted 16/5/07