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.
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I sent the DPA request on 2 May. I'm not holding out much hope of hearing anything from them. They sold the debt to Aktiv Kapital some time ago. We disputed the debt with AK 3 years ago. They wrote to GE Capital asking for information and to date have never had a reply from them!
So, I'm going to try and claim back charges from GE Capital and have written to AK to tell them the debt is in dispute. There are payments which were never credited to the account by GE Capital. AK has acknowledged £233 of these now. There is also a default on my credit report over this.
Will see what comes back from GE Capital and decide what to do from there.
God luck mahala, we'll all keep tabs on events.....
From another Nott's user
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Today is the deadline I gave GE to comply with my DPA request. I have not head a word from them since I sent the original request. They've had an lba giving them 7 extra days, and no acknowledgement of that either.
Off to the court this afternoon to file an N1 form to get an order to comply.
edited: actually the deadline is tomorrow .. will file then.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
well, I took my 2 copies of the N1 form down to the local county court today. The clerk had no idea what to do with the claim, as other people have said. Luckily, I went armed with the info alanfromderby gave in the Library section. She wanted to put it on other forms and all sorts. I eventually persuaded her that this was correct and just take the fee and file it please lol!
Was this a commercial agreement with GE Capital or a personal one? I have a company lease agreement with them atm and I have had a number of charges put to it which i would like to claim back? I'm not sure if all this applies to business contracts in the same way.
Cheers
Prelim sent May '06
LBA sent June '06
Fob off now rec'd to the prelim
Copy of fob off now rec'd as response to LBA!
Full repayment of all charges since 1997 now received.
Account Closed
Donation made
Typical, this morning I got a reply from GE Capital - only 48 days after I made the DPA request, and a day after I filed a claim against them.
Originally Posted by Sarah Wainwright
Dear Mahala
Thank you for your letter dated 12 June 2005 with regard to your Subject access request.
Unforuntely rhe name and address details on your request do not match the details we have on file for the above account number that you have quoted.
If this is due to a change of name, please forward a copy of your marriage Certificate, Decree Absolute or Deed Poll also providing details of any previous addresses.
Please accept my apologies for any inconvenience, however, once the above information has been clarified, I will be happy to assist.
so now what? Obviously I need to give them the ID they require, but I've already filed claim, and they are well over their time limit for making a request of this kind.
Best way to proceed? A letter to them explaining the situation theya re now in, enclosing the relevant document?
something StoneLaughter mentioned just now - is there a 14 day limit for requests for ID? I know they are entitled to satisfy themselves as to my identity, but StoneLaughter seems to think he read on here somewhere that they have to ask for ID within 14 days (not 50 days, as is the case here).
Mahala v GE Capital
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Originally Posted by Sarah Wainwright
