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.
Hi, I have an issue with DLC/Egg and need some advice
I have a credit card with Egg and agreed limit of £500. Unfortunately, my bank cancelled the direct debit after one of my payments bounced (the payments ranged from £12 to £14 a month, there was never a set amount which was confusing). Egg then upped the limit to £560 without my consent (?)
A month later Egg contacted me via the phone stating that my account was £280 over the limit due to charges and demanded I paid the sum immediately to bring the balance into the agreed £560. I explained to them that I was a recently unemployed single mother and had a lengthy conversation about my outgoings. I offered to pay a £50 chunk on the spot and start the repayments immediately. They stated that because my minimum payments were so low and I'd stopped paying it, that there was nothing they could do. I was informed that if I didn't pay the full £280 within 30 days a default notice would be served.
As promised, the default came through, and I have received ONE letter from DLC which arrived yesterday but have had several phone calls from them over the past couple of weeks. I have informed them that the number they are calling is that of my 89 year old grandfather (they claim to have obtained his phone number because they couldn't contact me on mine, and we are neighbours - they recognised the surname) but they still continue to attempt contact with me via his home phone. They have my mobile number but never use it.
Today, my grandfather received a strange phone call from one of their representatives who informed him that I was expecting their call without leaving any of their details. The representative was overly friendly and assuming it was a friend of mine calling, he gave them my second mobile number in confusion (which is strictly reserved for emergencies involving my child). They haven't called me yet but I really don't want them calling on this number.
I'm not sure what to do. The charges on the Egg credit card were outrageous and my account has been passed over to the debt collectors dispite my explanations that the amount they were demanding was more than I live on in a month.
Any advice on my next step would be very much appreciated. I haven't arranged any repayments with DLC as yet, but I'm concerned about the situation as they insist on calling my grandads house phone and he is elderly and confused.
Your Grandfather can probably get call barring to avoid any future calls from DLC. I would also ask for a copy of DLC's complaints procedure regarding the phone calls. If they don't resolve your complaint you can then report them to the fos.
Remember to insist that all communication is in writing. It is pointless talking to these people on the phone.
DLC/Egg Credit card issue
and need some advice
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