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.
hello,
if i were you i would ask them to prove it by sending the statements, it sounds like they are delaying well at least being advasive.
is it possible tho that there might be no charges?
There is no proof or letter writing required: you have made a request under Data Protection Act, and they are legally obliged to comply with this...nothing else is relevant.
If you worded the letter as per the template (which I am sure you did) then by law they MUST provide you with a complete transaction history (or statements in the alternative) plus any other notes and details as are held against the account.
The only issue to be considered is one of your authority to manage your father's requests...good luck.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
hello,
if i were you i would ask them to prove it by sending the statements, it sounds like they are delaying well at least being advasive.
is it possible tho that there might be no charges?
Druids36
Hi Druid,
Again thats what I was thinking. Just a delay tactic.
I have had that with CitiFinance sending me just one A4 sheet with No charges. Will be dealing with them later.
My Father is 99.9% sure there were charges incurred on the account, and I am inclined to agree as I remember him mentioning it some time ago.
Should I use a Template Letter, a new one from Scratch or an SAR again?
regards,
Ron
The Woolwich - Case being held by Court. £1700
Halifax - Case being held by Court. £800
Halifax Visa - 1st Request, Awaiting response. £800 + removal of default notice.
There is no proof or letter writing required: you have made a request under Data Protection Act, and they are legally obliged to comply with this...nothing else is relevant.
If you worded the letter as per the template (which I am sure you did) then by law they MUST provide you with a complete transaction history (or statements in the alternative) plus any other notes and details as are held against the account.
The only issue to be considered is one of your authority to manage your father's requests...good luck.
Phoenix,
Letter as per template word for word.
As I am only communicating by post (As advised on here ) I am having no issue with ID.
To proceed from here do I need to make Verbal contact or can I contact by post demanding ALL statements and information?
regards,
Ron
The Woolwich - Case being held by Court. £1700
Halifax - Case being held by Court. £800
Halifax Visa - 1st Request, Awaiting response. £800 + removal of default notice.
I would simply wait until they have seven days left to comply with SAR, then write them a note reminding them of this fact...
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
That is pretty much it - you have told them that they have not yet complied, and that they have seven more days in which to do so...that letter would be ideal.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
That is pretty much it - you have told them that they have not yet complied, and that they have seven more days in which to do so...that letter would be ideal.
Many thanks Phoenix,
What would be the next move if they did not respond within the 7 day period?
regards,
Ron
The Woolwich - Case being held by Court. £1700
Halifax - Case being held by Court. £800
Halifax Visa - 1st Request, Awaiting response. £800 + removal of default notice.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Hmm, a New move?
stage at Harlow CC.
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Originally Posted by Druids36
