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.
A few years ago I had a GM credit card run by HFC. During this time I had several charges applied and got into a mess. My dad bailed me out at the time and the account was closed. I burned all the peperwork in a celebration bonfire.
Now I realise I can reclaim these charges and pass the "winnings" on to my Dad.
But how do I start a claim when I no longer have any account information and have moved address twice in the last 3 years?
I did the same thing with Barclaycard and Capital One, and (although I don't know how this will work with you) I made a cheeky call to Capital One and they posted my statements to me.
With Barclaycard I tried to find some info over the phone, but there werent having any of it, and so I walked into my local Barclays branch and said I used to have a Barclaycard, can you give the number?
I answered their normal security type questions and they found me the number within 2 mins, and I am now making progress with both.
I thought about blagging by phoning to say that I bought something on the card that I have a problem with and the supplier has asked for proof of purchase. Hopefully that will lead them into telling me the account number.
Possibly worth a go, but if they can see that card is closed then they would know thats not quite true anyway.
But... Its someone at the end of the phone that you will never speak to again, and so as long as you get the card number it doesnt matter how.
I said "My account was a bit of a mess when I had it and I am trying to see where I went wrong".
Which is sort of true, because where I went wrong was paying ridiculous amounts of charges which I should have questioned because they were unlawful. : )
I did still send off £10 and an SAR for both of these, so that I followed the correct procedure.
How to find account number of closed account?
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