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.
My son signed up for a barclaycard in 1999 when he was a nineteen year old uni student. He defaulted in 2003 and was over his £500 limit by a few quid.
Family problems (bankruptcy) meant this debt was forgotten. In 2006 the debt was sold to Lowells who are demanding payment of £945.
I sent CCA request and SAR to barclaycard and received all statements and a copy of 'credit card application' with compulsory PPI at £10 for the first year.
Can anyone help with the following:
1) Who do I send prelim letter to, barclaycard or Lowells?
2) What spread sheet do I use and what interest rate do I put in?
(charges are about £580 but I have never used a spreadsheet before, i have tried putting in 1.385% as on statement but the total interest only works out to £14 so i must be doing it wrong)
3) How do I claim back PPI as I don't have a statement for 1999 so I don't know if they have charged him £10 for the year or £10 a month (a uni student with no income shouldn't pay PPI should he)?
I am afraid I do not know the answer to your query, but just wanted to let you know that there are a few other members with a similar problem.
Did you ever find out what all those strange abreviated codes were for?
Moneyhelp is in a very similar situation to you. Maybe it would be good for you guys to hook up and find out the solutions between you. Here's his thread.
Help please/barclaycard
to barclaycard and received all statements and a copy of 'credit card application' with compulsory PPI
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