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.
Previously on this forum I have been informed that a CCA cannot be used in the case of mortgage arrears debts, even when a DCA has taken over the account.
The debt is for nearly £20,000 and is now over four years old. I have not yet admitted to the debt or communicated in any way with the DCA, I have now received two letters, neither of which have been recorded delivery.
Should I now commence with correspondance? Is it not applicable to send a CCA in order for me to be able to see the original signed document etc and if not what should I do next? should I send an S.A.R - (Subject access request). I just want to slow this down as much as physically possible!!
If I do either of the above is it possible that I may “upset” the DCA and they then demand all monies owed immediately!?!? What I mean is, will they stop “wanting” to be amicable?
Thanks.
CCA on mortgage arrears..........
arrears debts, even when a DCA
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