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.
** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **
I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"
The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim
Thank you for your letter requesting a list of transactions and charges relating to your visa accoutn.
I have searched our records and, unfortunately, I have been unable to locate any account information with the details you provided.
In order for me to search further, please provide me with the visa number, further addresses or any other information which may assist me in the location of your data.
Thank you for your cooperation in this matter and I look forward to hearing from you in the near future to resolve this matter.
Yours sincerely
Mark Kellett
Data Protection Consultant
Business Risk - Retail
enc
Direct Line 01422 332991
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Phoned them up & gave a list of my previous addresses to try, asked them to call me back tomorrow to confirm that they've now located my details.
** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **
I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"
The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim
Almost forgot about this one, phoned them up today to advise them of their breach of DPA.
Lodging complaint with ICO this afternoon for non compliance with the DPA.
** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **
I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"
The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim
Statements have arrived this morning - time to revive that trusty old Highlighter & calculator combo again!
** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **
I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"
The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim
Only ones from 2001 --> onwards total up to £60, of which one is from June 2001... Worth a try though I suppose.
** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **
I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"
The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim
Phoned them up on the off-chance that they'd offer me a quick deal on this to save going through the usual motions. Nope:
Him: "Any charges applied to your account are valid, andyou won't get them refunded"
Me: "So, would that apply to Bank Accounts too, like my Current Account for example?"
Him: "Yes, that would also be the case"
Me: "So, why was it then, that after I raised Court Action to recover these unlawful charges levied against my Current Account, the BOS refunded them? And then did the same thing after my threat of further Court Action for charges relating to my EasyCash Account?"
....silence....
Me: "So, my question is, as the amount that 'YOU OWE ME' (I LOVE LOVE LOVE THAT!!) at this time is relatively small in comparison to my other accounts, will you be willing to settle this over the phone or will I have to repeat my steps again to recover this.
Him: "We won't be able to refund them over the phone"
Me : "Ok, that tapping sound you can hear is me typing up my 1st letter to you - thanks anyway, bye bye.."
Prelim Letter ready to be posted tomorrow
** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **
I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"
The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim
JMio V Bank of Scotland Visa
for this before but not to worry..
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