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.
Hi - good luck. I claimed back all of my charges from Halifax - have a read of my thread and see how I got on. They were actually very good (apart from taking the charges from me in the first place!!!) I'm also about to tackle littlewoods for a friend of mine and Capital One for myself, so will watch your threads with interest. Best wishes - power to the people!!
jaxads
jaxads
Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.
Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.
GE Money - Received settlement of £441, being total charges requested. No interest though.
CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!
EOS Solutions "ceased action on account" on behalf of a friend.
All in all, quite busy at the moment and enjoying every minute of it
Yeah, I've got started now I'm just impatiently waiting for my statements to arrive.
Great source of information and support this forum though, now I'm learning to find my way around it!!
time for me to get back what is rightfully mine
The hitlist:
Capital One: S.A.R sent (6.2.7)
Littlewoods Catalogue: SAR sent (6.2.7); letter arrives 20.2.7
Kays Catalogue: SAR sent (6.2.7)
Halifax Credit Card: S.A.R sent (6.2.7)
First Direct: S.A.R sent (6.2.7); statements arrive (19.2.7)
I'm going to be watching you, too, as I'm also going to be going after Littlewoods, (Index FlexAccount), on behalf of my dear wife.
So, good luck from me, too.
OB
Please read the Stickies and FAQs. Your question may have been answered already.
Old Bear vs. NatWest - won after first letter £600
Mrs Bear vs. Studio - won after first letter £360
Old Bear vs. Abbey - won after first letter - only £50, but it's the principle
Old Bear vs. Black Horse - £117 of charges wiped off 2 loans, but more WILL follow
Mrs Bear vs. Index (Littlewoods) - SAR sent - 2/2/2007
had a letter back from Littlewoods (20.2.07) saying that they were doing the data retrieval and would have the documents to me asap....
time for me to get back what is rightfully mine
The hitlist:
Capital One: S.A.R sent (6.2.7)
Littlewoods Catalogue: SAR sent (6.2.7); letter arrives 20.2.7
Kays Catalogue: SAR sent (6.2.7)
Halifax Credit Card: S.A.R sent (6.2.7)
First Direct: S.A.R sent (6.2.7); statements arrive (19.2.7)
My statements came today (24.207)00, surprisingly quickly.
They're not the easiest to work through but there is a summary attached which details about £170 of admin charges. But I'm sure I was charged for other thing too so I'll have to trawl through the statements.
I'm guessing I could try to claim contractual interest on this amount, at the rate that the catalogue would've charged me.
time for me to get back what is rightfully mine
The hitlist:
Capital One: S.A.R sent (6.2.7)
Littlewoods Catalogue: SAR sent (6.2.7); letter arrives 20.2.7
Kays Catalogue: SAR sent (6.2.7)
Halifax Credit Card: S.A.R sent (6.2.7)
First Direct: S.A.R sent (6.2.7); statements arrive (19.2.7)
Can you confirm what address you sent your SAR to, please?
Thanks.
OB
Please read the Stickies and FAQs. Your question may have been answered already.
Old Bear vs. NatWest - won after first letter £600
Mrs Bear vs. Studio - won after first letter £360
Old Bear vs. Abbey - won after first letter - only £50, but it's the principle
Old Bear vs. Black Horse - £117 of charges wiped off 2 loans, but more WILL follow
Mrs Bear vs. Index (Littlewoods) - SAR sent - 2/2/2007
I'm not at home at the minute so can't check but the address 'Staley Avenue' seems to come to mind... does that make any sense?!
I will check for defo either tonight or tomorrow.
BTW, although I've had the letter and statements from Littlewoods I've heard sweet b*gger all from their other arm Kays
time for me to get back what is rightfully mine
The hitlist:
Capital One: S.A.R sent (6.2.7)
Littlewoods Catalogue: SAR sent (6.2.7); letter arrives 20.2.7
Kays Catalogue: SAR sent (6.2.7)
Halifax Credit Card: S.A.R sent (6.2.7)
First Direct: S.A.R sent (6.2.7); statements arrive (19.2.7)
I got the address from their website and my wife's statement. SAR is typed and ready to go.
OB
Please read the Stickies and FAQs. Your question may have been answered already.
Old Bear vs. NatWest - won after first letter £600
Mrs Bear vs. Studio - won after first letter £360
Old Bear vs. Abbey - won after first letter - only £50, but it's the principle
Old Bear vs. Black Horse - £117 of charges wiped off 2 loans, but more WILL follow
Mrs Bear vs. Index (Littlewoods) - SAR sent - 2/2/2007
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
Posts
25,063
Re: vick* V Littlewoods & Kays catalogues
sorry to jump in on the thread
i sent a default removal letter on the 13th feb to this address
Littlewoods Shop Direct Home Shopping Limited. 1st Floor, Skyways House, Speke Road, Speke, Liverpool,
L70 1AB
was that the one you used as i've heard nothing and need to chase them up.
the 28days have gone and im wondering if they have now defaulted & the enties on my credit record must be removed
dx100uk
GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
I am also going for Littlewoods and Kays I have sent a SAR and waiting also put in complaint about insurance, I think I have been done there as well. I have just read about sending for CCA agreement, if they can't send one the debt did not happen and it gets written off!!! Hope that is true. All very exciting and giving us a fighting chance. This site is fab.
I have sent one letter for both accounts and I think that is now causing confusion did you do the same?
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
Posts
25,063
Re: vick* V Littlewoods & Kays catalogues
if a CCA request is not met after 12[+2for posting] working days, any payments can stop until they provide the requested docs to your satisfaction.
then after a further calander month, it becomes a criminal offence for them to try to enforce the debt or its payment. however, if they do produce within this further month. then payments should resume [thats the way i read it no court order required ].
they could also then write the debt off, if they do, then it should be in writing to you, it does automatically mean it has gone forever if they do not.
they could always re-enforce the debt, but only through a court order & they will look pretty stupid if they turn up at court and say 'ah yes we found it [the agreement].
so read of that situation what you like.
never did get anything BTW but i was after default removal
given up, lifes compass is pointing elsewhere at present.
dx100uk
GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
l received a letter from Kays saying that they would no longer chase payment after l sent them a CCA request this was not my intention l just want my £90 in charges removed l was thinking of writing to them to this affect as im more than happy to pay what l owe minus the late payment charges.
Why don't you write and ask them why they are now willing to write off the debt, if they admit that they cannot find your original agreement then you can then ask for you £90 back as well.
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vick* V Littlewoods & Kays catalogues
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