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 sent my SAR off, took a copy of it with the cheque attached to it etc so that they have no "wriggling" room, but in my infinite wisdom forgot to sign the letter....does anybody know if that will give them an excuse to delay it?
Cheers
"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"
Brad v Halifax
22/08/06 - Preliminary Letter sent requesting full repayment of charges
06/09/06 - LBA sent to bank
panic over, i received my statements this morning from June 2004 with a letter saying the rest will follow in up to 6 weeks. I've got a couple going through, so don't mind waiting a while, but I'll give it a couple of weeks and chase them up for the remainder. I'm assuming these should still be here within the 40 days
"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"
Brad v Halifax
22/08/06 - Preliminary Letter sent requesting full repayment of charges
06/09/06 - LBA sent to bank
ok guys...just trawling through these statements and putting what I've got onto the computer, but there's a regular charge for B CARD FAP which seems to vary from month to month. Does anybody know what this could be?
Cheers
"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"
Brad v Halifax
22/08/06 - Preliminary Letter sent requesting full repayment of charges
06/09/06 - LBA sent to bank
Found out that FAP is actually Family Accident Plan. I phoned up to cancel it and they had no record of me, despite taking the money each month! Have to write to them, so drafted a quick letter, can somebody have a look at this and let me know if you think it's ok?
Dear sir / madam
I was checking my credit card statement recently and saw a regular charge for Barclaycard FAP each month. Thinking this was some kind of payment protection plan, I thought nothing more of this until I called Barclaycard to cancel this as it was no longer required.
I was informed by Barclaycard that this was actually a Family Accident Plan and to cancel it I’d need to telephone the number that was shown on the statement. I called this number yesterday (20th April) and spoke to a girl called Leah on extension 4241.
Unfortunately, despite answering numerous security questions, she was unable to find any details for me and suggested that I write to you.
Being a single man, I’m not sure that I’d require a Family Accident Plan, so please can you advise me when the policy was taken out and how I can go about cancelling it.
Yours faithfully
Brad
"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"
Brad v Halifax
22/08/06 - Preliminary Letter sent requesting full repayment of charges
06/09/06 - LBA sent to bank
ok...about to start with my preliminary letter to Barclaycard, am going for CCI at their purchase rate (29.9% eeek), which takes the total claimed from £801 to £2,345....
"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"
Brad v Halifax
22/08/06 - Preliminary Letter sent requesting full repayment of charges
06/09/06 - LBA sent to bank
Morgan Stanley **Won 31.01.07 with CCI** Capital One **Won 19.04.07 with CCI** Halifax current & Joint
Verbal S.A.R 11.01.07, stats recd 18.01.07 Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs GE Capital Frazercard Prelim sent with CCI 27.01.07 Burtons Prelim sent with CCI 22.01.07
RBOS Visa S.A.R sent 12.01.07 Partners JJB card (Creation) *Won* with part interest - 15.02.07
Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07
Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs
LMAO @ Brad....I wondered why you kept delaying everything....you just wanted all the girlies to show their dominant sides lol
Morgan Stanley **Won 31.01.07 with CCI** Capital One **Won 19.04.07 with CCI** Halifax current & Joint
Verbal S.A.R 11.01.07, stats recd 18.01.07 Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs GE Capital Frazercard Prelim sent with CCI 27.01.07 Burtons Prelim sent with CCI 22.01.07
RBOS Visa S.A.R sent 12.01.07 Partners JJB card (Creation) *Won* with part interest - 15.02.07
Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07
Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs
received letter telling me they've paid the difference between the charges and the £12 they're "allowed" to charge and refund will show on my next statement. lba going off tomorrow, can combine the rejection letter with it.
see sonja...i'm being good now
"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"
Brad v Halifax
22/08/06 - Preliminary Letter sent requesting full repayment of charges
06/09/06 - LBA sent to bank
Lol Brad....we shall see if you are good....it will depend on whether you do actually send the letter TOMORROW! lol
Morgan Stanley **Won 31.01.07 with CCI** Capital One **Won 19.04.07 with CCI** Halifax current & Joint
Verbal S.A.R 11.01.07, stats recd 18.01.07 Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs GE Capital Frazercard Prelim sent with CCI 27.01.07 Burtons Prelim sent with CCI 22.01.07
RBOS Visa S.A.R sent 12.01.07 Partners JJB card (Creation) *Won* with part interest - 15.02.07
Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07
Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs
couldn't post it Friday because of the post strike and didn't really have a chance to get out till Wednesday and the post office was shut in the afternoon...grrrrr so sent yesterday
still, at least it's gone eh?
don't shout at me!!!!
"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"
Brad v Halifax
22/08/06 - Preliminary Letter sent requesting full repayment of charges
06/09/06 - LBA sent to bank
Morgan Stanley **Won 31.01.07 with CCI** Capital One **Won 19.04.07 with CCI** Halifax current & Joint
Verbal S.A.R 11.01.07, stats recd 18.01.07 Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs GE Capital Frazercard Prelim sent with CCI 27.01.07 Burtons Prelim sent with CCI 22.01.07
RBOS Visa S.A.R sent 12.01.07 Partners JJB card (Creation) *Won* with part interest - 15.02.07
Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07
Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs
brad v barclaycard
sent 1st class recorded today...off we go
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Originally Posted by Brad Smith
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