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.
After monitoring this site for a few weeks and reading as much information as I possibly can I decided to claim back my charges from RBS which I know will run to about £3k.
I prepared my S.A.R - (Subject access request) letter and sent it via Royal Mail registered post on January 25th, using the information comissioner's website I got their registered address and sent the letter to:
The Data Controller
The Royal Bank of Scotland Group PLC
36 St Andrew Square
Edinburgh
EH2 2YB
I have checked the Royal Mail website and I can see that my letter was received and signed for the next day. It has now 7 days since sending my letter and I have received any acknowledgement or the information (statements, etc). I know they have 40 days to comply with my request, but is there any follow up action that I should take, maybe a phone call or an email? If so, does anyone have those details?
Also, I can see that a few people have sent their letter to their local branch - should I have done that instead?
Thanks
Lee
-------------------------------------------
Action against RBS commenced January 25th
Action against HSBC commenced February 1st
Don't worry, they are pathetic, I have only JUST received confirmation of my request and no statements as yet. Remember your timetable, NEVER, EVER theirs or they will not take you seriously.
And don't worry about the address, from what I gather at this stage it's not that important, yet. At the prelim or lba it's different. Are you claiming in Scotland of England?
I am claiming in England. I have read on the MCOL website that one of the conditions is that the address of the person(s) you are suing is within England and Wales, but their headoffice is in Scotland.
Does this mean I would send my prelim letter to my local branch?
I'm in scotland claiming BOS, but claiming in england through a friend of the family's address. I'm still learning same as you.
Though from what I gather all your contacts should be the addresses in scotland, i.e. sandy watt etc. So the address you've got is fine. All except the SAR at your local branch. The MCOL aspect just relies on the address used to claim.
I received the statements from my RBS accounts on Friday accompanied by a letter stating that the charges were notified to me when I accepted their T&C's, etc.
The letter also states that the remaining statements (of which there are 6 months) will follow shortly. Will wait and see.
Now I have the task of going through each one and detailing the appropriate charges - I can't wait to see the result!
I received an envelope this morning with statements from my two RBS accounts (one is a joint a/c) going back to 2003 accompanied by a letter stating that the charges were agreed when I accepted their T&C's, etc.
The letter also states that the remaining statements (of which there are 6 months) will follow shortly. Will wait and see.
Now I have the task of going through each one and detailing the appropriate charges - I can't wait to see the result!
I would also ask for a copy of the original agreement, it's surprising what that may show up.