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.
Having debated over starting this for a few months, I sent off a Data request letter on the 12th January, and am currently eagerly awaiting the result. I also included a cheque for £10 with the letter, which has been cashed around the 16th, so I'm not sure why I haven't had the statements yet :/
I'm wondering how far it will go, how much it will all be (had a horrid period a couple of years ago when my partner walked out leaving me with a brand new mortgage to pay and no savings - meaning I copped for a lot of charges!) Will update as and when I go along.
Wish me luck everyone - and if you could advise me how long to wait for the charges I would appreciate it!
Hi, noisypinkbubble, welcome. It goes without saying that we all wish you luck!
Be prepared for it to take the full 40 days to receive your data info, then it'll be a nice surprise if it comes sooner. From the date you mentioned it shouldn't be too long now.
As for 'how far it will go', if you want your money back you should count on it going all the way to lodging your claim with the courts.
If you have taken time to have a thorough read round the forum, you will know how scary this process can be - but also that it is succesful and worth the time, effort and emotional scarring!
The full 40 days (if its just days, not working days) should be the 26th - and as of yet still nothing! Well, they managed to get in touch to say they had charged me £50 in unath od charges when the online banking had shown no such thing (and I'd been checking every day) as THEIR interest being taking on a different day put me over the limit. I can't WAIT to get all my cash back off them, I just want to know how much it is!
they warn you of the unauthorised overdraft charge well in advance so i am afraid it may suddenly appear on your account- for some reason it is two lots of £25.00.
By going over my overdraft in error i have incurred in one go 3 x 34.00 plus £50.00 and they refused a temporary increase in my overdraft although I have conducted my account well for some time.
I am still waiting for statements although they have cashed my cheque (from another another account- to show them I have a parachute account) just hope they are not using delaying tatics while waiting for a final ruling on the bank penalty legalities which is due this month.
I checked my bank account and they waited almost 10 days to cash the bloody cheque, so the 40th day only came up on the 12th. But guess what? No statements!
Going to post the letter off from work tomorrow, I'm really annoyed it's gonna be 2 months on Monday since they actually had the SAR & cheque in their posession!
They've had more than long enough, noisypinkbubble, the 40 days starts when they receive the letter, not when they cash the cheque, (otherwise they could get away with never cashing the cheque!).
Thanks younganfree; I was sure I read somewhere it was 40 days from cheque but now I'm fuming. Can only print from work, but am filling the template in now and emailing to work. The buggers are just stalling I bet in case there's a ruling of some sort...
I am having probs getting my statements too. Someone called Chris at the Customer Relations Department said that he had been told they were about five days ahead issuing statements. Hmm that seems unlikely reading your story.
My 40 days are only up at the end of the week but they still have not cashed the cheque.
Hope you get yours soon...its really frustrating isn't it
I got mine today as well, so maybe you should contact them or on here they advise to send a letter giving them 7 days the guy at the customer relations was very helpful
I rang them up today to let them know I've posted the 7 day letter and they said "We haven't received your request yet"!!! I said "I'm sure you have, since you cashed my cheque on the 28th of January". The girl read through the notes on my account, realised they had and got very flustered, told me there was a backlog etc. I remained calm and was nice to her and said "That's all well and good, I appreciate that completely and I've given you more than a weeks good grace for postage etc; more like a fortnight actually, however if I dont receive them within 7 days I will be taking you to court as you have breached my rights under the DPA and by a large amount" She then emailed the team in charge and has let them know my letter should be with them any time, and I will keep a very close eye out.
I can't believe they just cashed the cheque then did nothing!
Well I got my list of charges Saturday morning! So it really doesn't take them all that time, I'm just annoyed that they've stalled so much.
Busy is one thing, but breaking the DPA by a fortnight is something else - busy shouldn't mean comprimising a customers rights!
Anyway, its actually a bit less than I thought £953.50 (we've counted 3 times) so I'm filling the spreadsheet in now and getting the letters ready to print and post tomorrow at work. Ooh, things are finally going to start happening! I'm hoping for an early resolution since it's a relatively small amount compared to some
Hi, i'm starting a claim against this lot on behalf of my stepson.
I just wanted to point out that the pending OFT report should not make any of us panic or stop people from claiming their charges - they can only make recommendations. Only the courts can force the banks to comply.
Keep up the good work, and SPREAD THE WORD!
Barclays Bank
13/9/06 - ACCEPTED HALF ON BOTH A/Cs HSBC
21/10/06 - SETTLED IN FULL Preferred Mortgages
11/8/06 - prelim let sent - redemption fee
12/07 - case dropped Halifax B/S
2/07 settled in full Halifax visa card
MCOL due Citicards & Hillesden
2/07 Data Protection Act & CCA let sent
3/07 Prelim let sent
4/07 LBA sent Barclaycard
04/07 offer received for 1/3 - refused Argos Card services
Half offered - refused
Longleigh I agree completely. I work for a bank and have convinced at least 10 of my coworkers to claim back their charges (I haten to add, luckily none of us hold the accounts with our employer or that could become a sticky situation!)
I started typing up the spreadsheet and on rando play in WINAMP Meatloaf "Life is a Lemon" started playing; Meatloaf shouting "I want my money back" was strangely appropriate!
best of luck-I have just "bumped " a post which says be careful to stick to recommended timetable even if they reply quickly - so be patient at this stage.
Sent My lba 2nd April as noted, yesterday got a letter saying "We acknowledge receipt of your letter dated 4th April" Funny, I didn't send one 4th... ahem!
Best look into MCOL stuff in detail now, as I'm gonna do it Thursday! Yikes!
Me vs A&L (LBA Sent 2nd April)
to pay and no savings - meaning I copped for a lot of charges!) Will update as and when I go along.
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Re: Me vs A&L
jansus
