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 S.A.R - (Subject access request) off to RBoS, cheques cashed and statements recieved today, however i have a loan with them and none of this information has been included, i also know this loan is default (now with DCA) should they have sent my default notices?
Should i write to them requesting all the information that they hold on me?
i also notice on my statements that they have charged me 2 x £30 for default notice fee??? i have added this to my spreadsheet to claim back and charges come to just short of £1200.
Unless you implied on the DPA that it was specifically for your bank account it should have been ALL the information that they hold on you.
If your DPA suggested that you only wanted information on a specific account then I suspect you will have to send them a new DPA requesting everything they have.
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i have a quick question, my balance on this account is £1850ish, and i am claiming £1200 back, the account is default, as the majority of the debt is charges could i ask for the default to be removed in my prelim letter?
Checking back on everything i realise that in my SAR i asked for details of my bank account and also Loan, they provided the info on my b/a but not on my Loan, do i need to send them another SAR? My first one was sent and signed for on the 21st March and the cheque has been cashed, or should i send them a letter reminding them that the SAR is incomplete and that thier 40 days is nearly up?
Deadline was yesterday for both S.A.R compliance and also Prelim, so i now send my lba for claiming my charges back but what about the non compliance for the S.A.R? i did send a reminder to them last week as what they have sent me so far is also incomplete!!........
no reply to either my SAR non compliance or my lba next step court, but what about the non compliance?
i have a feeling that they haven't sent me the info relating to my loan because they dont have it anymore (if they even had it in the 1st place), can i get round this by sending them a CCA if so which address should i send this to?
ok i CCA'd RBoS for my loan agreement as they didnt send it me with from the S.A.R request, but something is not right with the paperwork they have sent me, lots of info on it is wrong, like my employer and the date i started work this them, my phone number, the date i moved in to my current address etc. also i am going to claim back my PPI as i believe this was mis sold.
diamond301 Vs RBoS -WON - well kind of
) off to RBoS, cheques cashed and statements recieved today, however i have a loan with them and none of this information has been included, i also know this loan is default (now with DCA
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Re: diamond301 Vs RBoS
next step court, but what about the non compliance? 