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.
ok thought id start a thread for this as its not as simple as it supposed to be!
i thought I'd ask for the S.A.R - (Subject access request) and then calculate etc etc..........but theyre being a proper pain as ive read on here is the norm for them! asked 3rd march for SAR they sent me some of them but told me the earlier ones were on microfiche and would take upto a further 6 weeks.i sent them a letter saying they had 7 days to produce them or I'd take them to court.but i think this is ridiculous.wasting court time just to get a set of statements? why are they allowed to constatnly do this without repercussions?
any ideas on how to get them without court action? ive reported them to FO.Ill phone them later too to see how long they think it'll be,not that i think it will do much good!
additions direct-no CCA
marshall ward-no CCA
next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!
monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless
associates visa-no CCA
think there might be a pattern here!?
GE Money- won
barclaycard-- N1 put into court
capital one - won
NatWest- won
ok thought id start a thread for this as its not as simple as it supposed to be!
i thought I'd ask for the S.A.R - (Subject access request) and then calculate etc etc..........but theyre being a proper pain as ive read on here is the norm for them! asked 3rd march for S.A.R - (Subject access request) they sent me some of them but told me the earlier ones were on microfiche and would take upto a further 6 weeks.i sent them a letter saying they had 7 days to produce them or I'd take them to court.but i think this is ridiculous.wasting court time just to get a set of statements? why are they allowed to constatnly do this without repercussions?
any ideas on how to get them without court action? ive reported them to FO.Ill phone them later too to see how long they think it'll be,not that i think it will do much good!
I would if the 40 days have passed and they have not responded to your further request start court proceedings. They are failing to meet their responsabilities under the DPA. You to report them to the information commisioners offer regarding their non compliance. http://www.consumeractiongroup.co.uk...n-act-non.html
you were quick off the mark this morning!
thanks for the advice,i phoned them this evening and was tld i should be receiving a chip with the info on any day now,but when i asked when it was sent out he couldnt tell me...........now call me cynical............but i wonder why that is!?
additions direct-no CCA
marshall ward-no CCA
next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!
monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless
associates visa-no CCA
think there might be a pattern here!?
GE Money- won
barclaycard-- N1 put into court
capital one - won
NatWest- won
well received my earlier statements today there were only 3 missing! and all the charges on them had been refunded that were on them anyway so what a waste of time!? it wasnt a chip though as stated by Barclays earlier in the week but paper copies of statements.
additions direct-no CCA
marshall ward-no CCA
next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!
monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless
associates visa-no CCA
think there might be a pattern here!?
GE Money- won
barclaycard-- N1 put into court
capital one - won
NatWest- won
OK have done the list and prelim am asking for £264 in charges back.i have only had the card 3 yrs and for 2 years have been paying on time with no charges incurred!! lovely! i will have my balance cleared!!
additions direct-no CCA
marshall ward-no CCA
next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!
monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless
associates visa-no CCA
think there might be a pattern here!?
GE Money- won
barclaycard-- N1 put into court
capital one - won
NatWest- won
had a normal statement off barclaycard today with a £132 credit on it but ive had no reply from my letter asking for full charges !?
additions direct-no CCA
marshall ward-no CCA
next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!
monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless
associates visa-no CCA
think there might be a pattern here!?
GE Money- won
barclaycard-- N1 put into court
capital one - won
NatWest- won
had the letter this morning explaining the credit...usual one about the difference between the £12 and what they actually added
additions direct-no CCA
marshall ward-no CCA
next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!
monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless
associates visa-no CCA
think there might be a pattern here!?
GE Money- won
barclaycard-- N1 put into court
capital one - won
NatWest- won
time up for prelim
time to send lba
u never know but i dont hold hope just yet
additions direct-no CCA
marshall ward-no CCA
next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!
monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless
associates visa-no CCA
think there might be a pattern here!?
GE Money- won
barclaycard-- N1 put into court
capital one - won
NatWest- won
had my bog off letter this morning so im filing N1 next week......
additions direct-no CCA
marshall ward-no CCA
next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!
monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless
associates visa-no CCA
think there might be a pattern here!?
GE Money- won
barclaycard-- N1 put into court
capital one - won
NatWest- won
thanks,this will be my 4th N1 ! how ridiculous that they cant give in gracefully!
additions direct-no CCA
marshall ward-no CCA
next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!
monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless
associates visa-no CCA
think there might be a pattern here!?
GE Money- won
barclaycard-- N1 put into court
capital one - won
NatWest- won
think i put the wrong info in here that shouldve gone on a diff thread!!
additions direct-no CCA
marshall ward-no CCA
next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!
monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless
associates visa-no CCA
think there might be a pattern here!?
GE Money- won
barclaycard-- N1 put into court
capital one - won
NatWest- won
i have received the forms back off court they have til the 5th sept to acknowledge......
additions direct-no CCA
marshall ward-no CCA
next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!
monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless
associates visa-no CCA
think there might be a pattern here!?
GE Money- won
barclaycard-- N1 put into court
capital one - won
NatWest- won
ok 5th of september and ive heard nothing.....i shall have to remember to call the court tomorrow to see if theyve got something off them......
additions direct-no CCA
marshall ward-no CCA
next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!
monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless
associates visa-no CCA
think there might be a pattern here!?
GE Money- won
barclaycard-- N1 put into court
capital one - won
NatWest- won
thanks sea side lady
but i got an acknowledgement of service today, they placed it yesterday. as normal on the last day!
additions direct-no CCA
marshall ward-no CCA
next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!
monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless
associates visa-no CCA
think there might be a pattern here!?
GE Money- won
barclaycard-- N1 put into court
capital one - won
NatWest- won
yep bu ti cant remember when their time runs out! lol ill have to find the court form out...
additions direct-no CCA
marshall ward-no CCA
next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!
monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless
associates visa-no CCA
think there might be a pattern here!?
GE Money- won
barclaycard-- N1 put into court
capital one - won
NatWest- won
well ive had a letter saying they will be asking for a stay in view of the OFT case?? i shall be writing to the judge about that as it has nothing to do with the credit cards...and today i received their defence... so i have to file an aq...more work its only for a small amount im asking as well...think theyd give in gracefully!!!
additions direct-no CCA
marshall ward-no CCA
next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!
monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless
associates visa-no CCA
think there might be a pattern here!?
GE Money- won
barclaycard-- N1 put into court
capital one - won
NatWest- won
well aq filled in and sent off, ive put in the box about OFT case for bank accounts only and it having no relevance to credit cards so ill just have to wait and see..
additions direct-no CCA
marshall ward-no CCA
next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!
monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless
associates visa-no CCA
think there might be a pattern here!?
GE Money- won
barclaycard-- N1 put into court
capital one - won
NatWest- won