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.
Hi
I sent a Subject access request and Lloyds have just responded to my request by sending me a list of charges.
The list was absolutely useless as it did not state any charges!!
I calculated the charges from my statements and it comes to around £750. (the chrages are all recent and not over 6 years and they should have been noted on the list of charges)
Should I continue with the request for payment letter?
Also what do I need to do for the schedule of charges? (do i just list the charges with their dates?)
For your schedule of charges it is better to enter all the details into one of the spreadsheets containing all details in relation to each charge. The spreadsheet will also calculate for you the 8% interest under Section 69 which you will be able to persue once you reach the court stage.
Confused, they sent a charges listing but did not have any charges? If you have statements showing these charges then continue with your claim.
yah that's exactly how i was......confused!
i'm going to write a letter of complaint and ask them to refund my ten pounds i sent for the subject accss request! The stuff they sent me was total rubbish!
For your schedule of charges it is better to enter all the details into one of the spreadsheets containing all details in relation to each charge. The spreadsheet will also calculate for you the 8% interest under Section 69 which you will be able to persue once you reach the court stage.
Poor student Vrs. lloydsTSB
and Lloyds
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Full Settlement Offer 24th Feb '07
MONEY BACK IN ACC ON MARCH THE FIRST '07
Defence submitted 1st March 2007 
Originally Posted by Champnos
