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.
Yup. I reclaimed on charges on my Ikea card, shut in 04, charges from 01. I'm currently chasing old car finance, charges 01 (yes, there's a pattern there), pd off 2002. etc...
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Apologies to people who I was in the process of helping, I may be gone some time.
How would you go about claiming if you don't have the old statements
HI you need to read through the FAQs and the step by step guide.
THe 1st thing to do is write to the company concerned under the data protection act and make a formal request for your info.
There are templates in the library, have a read through and start your own thread and do lots of reading
HTH
Glenn
Kick the shAbbey Habit
Where were you? Next time please
Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless
Abbey 2nd claim, two Accs - claim issued 30-03-07 Barclaycard - Settled cheque received
Egg 2 accounts ID sent 29/07 Co-op Claim issued 30-03-07
GE Capital (Store Cards) ICO says theyve been naughty
MBNA - Settled in Full
GE Capital (1st National) Settled
Lombard Bank - SAR sent 16.02.07
MBNA are not your friends, they will settle but you need to make sure its on your terms -read here Glenn Vs MBNA
Thanks for the info, i've just started looking at this site and it's all a bit overwhelming with the idea that I could be about to claim back a hell of a lot of money.
Better late than never I suppose. We had an Access Credit Card which is now defunct. Can anyone tell me how I go about obtaining details/address so I can kick-off a claim for unlawful charges (loads!) against this card please?
I might add that we were successful in claiming back over £1700 in unlawful bank charges going back the six year statutory limit from Natwest at the back end of last year. through this brilliant site.
BUT is there anyone that can help me? We had an Access Credit Card issued by Natwest Bank up until approx 1995 when we finally paid off the balance and cut the blimmin' thing up!!
We held the card for about 3 years and ran up loads of penalty charges for late payment etc. The thing is we don't even know the account number despite the fact that we kept the final statement showing a NIL balance for some years - we can't find it now!
Should I send a full S.A.R. with £10 cheque and if the answer is Yes then where to please?
How would i go about claiming back on my old barclaycard from about 3 years ago that i had a default on when i have lost or thrown away all of the statements and details about the account
wow!! Thank god I found this site! just joined tonight because I have had a charging order put on my house by Cabot over an MBNA cc. I think the debt is over 6 years old. not definite about that tho. All I've got is an acc no for MBNA. I estimate that at least 3/4 of the debt are charges. Any chance of them reducing it does anyone know? thanks
Old Credit Card & Store Card!?!?!
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Originally Posted by geoff&karen
