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.
Anyway sent DPA a while back got May 2004, decided to pay for statements £54 worth and was going to add to claim. Waited a month and received no statements so I've just rung them and been told they were never ordered!!! I was refunded the £54.
Anyway going to have to estimate which makes it a bit more tricky.
Prelim going today for £700 + £100 interest, i think it is more likely about 460 but as I've been suprised by the scale of other charges I don't want to underestimate.
I think legally barclaycard is a penalty kick, the terms and conditions leave them no room to negotiate whatsoever although I understand it might take me a while.
What do you mean by - "I think legally barclaycard is a penalty kick, the terms and conditions leave them no room to negotiate whatsoever although I understand it might take me a while."
Just because I am about to start court proceedings, and if there is something specific that will help in their T and Cs I'd love to know about it.
We will charge you for any reasonable costs or losses we incur if you break this agreement, including the following charges:
£20 if you do not make at least your minimum payment by the payment due date;
£20 if you exceed your credit limit at any time;
£20 if a direct debit, cheque or other item is not paid when first presented.
I mean how easy do they want to make it, confirming the breach and the fact it IS a penalty.
They will have to prove their costs and they can't.
Dave J vs Barclaycard
, i think it is more likely about 460 but as I've been suprised by the scale of other charges I don't want to underestimate.
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