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.
After requesting my statements (without enclosing the obligatory tenner - muppet!) I sent a P.O. and the formal Data Protection Act request. On the 24 April 2007 I received a letter out of the blue offering £504 as a goodwill gesture! Bearing in mind that I had nothing to base this figure on whatsoever as I had no statements, after a telephone call I established that this offer was based on the difference between my charges and the £12 'recommendation' excuse that these guys are using.
I issued the partial offer rejection letter on 25 April 2007, also highlighting that the OFT £12 suggestion may or may not reflect any actual or real loss and inviting them to detail their liquidated costs so I can reconsider their offer. (Clearly this won't happen!). I reitterated that I still require my statements requested previously.
On 30 April 2007 I received statements dating back to June 2004 ONLY. Attached was the usual microfiche letter regarding the older statements and they would follow in 'around' six weeks. Charges on the statements I have so far total around £880 and I have written to reitterate that we are continuing to work to the 40 day deadline.
They have until early June now for the remainder to the statements so I guess it's a waiting game at the moment?
If thats the norm for them i'll have to give them a call and check my balance, don't want to send my prelim off with schedule of charges to find they have part paid a load back. lol don't want to check at the cash point incase it swallows the card as i use it for I.D.
I got my microfilm statements 4 days after the 6 week letter so hopefully you won't have to long to wait now dx
dx748 v Barclaycard
! Bearing in mind that I had nothing to base this figure on whatsoever as I had no statements, after a telephone call
I established that this offer was based on the difference between my charges and the £12 'recommendation' excuse that these guys are using.
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