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 have fallen behind on my hp with the dreaded capital bank i get paid in a week and will clear all of my arrears off then. But can they still take the car i have paid over half of the agreement. I think i have been charges in excess of £800 in charges from them. Do you think if i clear the arrears then hit them with the letter of DPA they will continue action to take the car. I am desperate for any advise, as i simply cant pay before and cant loose the car.
If you claimed your charges would they cover the outstanding amount owing on your loan? you could send a SAR but also include the wording in your letter that the account is in dispute just alter the template to show this wording. they should hold off on any action that they may be threatening. then just take it from there following the guidance on here to reclaim your money. sorry I can't be more usefull but I'm new to all this myself.
Need advise on HP
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