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 there, having spent the better part of yesterday, last night and this morning getting familiar with the CAG and following the amazing posts from tbern3 and his success with Cabot, I felt that I need advise and hope you could help me.
For the past two years my son (20 years old) has been chased by Egg for a loan ( £21k) he was to supposed to have taken out with them, he wrote, called and and finally was told by Egg that they had made a mistake and the problem was solved and he wouldn't hear from them again. Three weeks ago he got a letter from Egg saying that they had sold or assigned the debt over to Lowell, then the calls and letters started arriving at his home on his mobile and of course the neighbours get the calls too. My son called Lowell to find out what was going on, told them again that debt was not his, he had nothing to do with it, they had got the wrong guy, please send the agreement. Lowell said it's your debt, we have the agreement, it's signed by you, your date of birth and occupation , which were all perfectly correct. Now my son is now getting worried, again he asks them to send the agreement, bank account details of where the money was sent, Lowell says no way, you send us a copy of your passport with your signature and we'll confirm whether or not it's your signature on the account. My son writes another letter to them, yet again disputing their claim and includes a copy of his passport.
All went quiet for awhile, and then last week he gets a text message, urgent please call this number and this reference number, he calls and it's Lowell, a reall nasty piece of work tells my son, it's your loan and if it isn't then is an act of fraud and we are informing the police, what are you going to do about paying the loan back. That's when I got the call from my son, you see the loan is mine, my son and I share the same name and at one time shared the same address ( his mother and I are divorced these past two years), I left the UK and live abroad. Regarding the loan to Egg, that is my responsibility and lets leave it at that. There's another story here, which involves IVA's , bankruptcy petitions and American Express, which I might give you the pleasure of reading at a later date, but I need to help my son first and seek your advise.
Lowell is obviously using my son to get to me, also when I took the loan out my son was 17 years old, so I know that it's just plain old bully boy tactics. I have the contract from EGG re the loan, it's got my name, signature an date of birth.
From what I've read you guys are the pros from Dover, so any advice give will be gratefully received and acted upon
Had the same problem 5 years ago. Ended up that they were given my spanish address and left him alone. They've give up on me now and i'm close to SB'd. They would find it very difficult to enforce if you are out of uk but for that amount they will persist for some time. If you don't have a ccj it's a non starter for them to use foreign courts.
Firstly tell your son to stop talking on the phone and request everything in writing. You do NOT have to answer there security questions on the phone but they must ask them (data protection act) so dont get confused just refuse to answer and they will either hang up or give you some blabber about you must answer which is total rubbish.
Letter number N (number N lol) is the one you want. Send it recorded or better along with a £1 postal order. do NOT supply these creatins with your signature, as this is a latge amount of money they may try there luck and commit fraud themselfs by copying your signature.
I would have said not to send a copy of his passport but its to late.
Remember the important thing here, its down to them to prove you/your son owes the debt NOT for him to prove he does not.
Ash.
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Thankyou.
Lowell and Egg
and following the amazing posts from tbern3 and his success with Cabot, I felt that I need advise and hope you could help me.
for a loan ( £21k) he was to supposed to have taken out with them, he wrote, called and and finally was told by Egg that they had made a mistake and the problem was solved and he wouldn't hear from them again. Three weeks ago he got a letter from Egg saying that they had sold or assigned the debt over to Lowell, then the calls and letters started arriving at his home on his mobile and of course the neighbours get the calls too. My son called Lowell to find out what was going on, told them again that debt was not his, he had nothing to do with it, they had got the wrong guy, please send the agreement. Lowell said it's your debt, we have the agreement, it's signed by you, your date of birth and occupation , which were all perfectly correct. Now my son is now getting worried, again he asks them to send the agreement, bank account details of where the money was sent, Lowell says no way, you send us a copy of your passport with your signature
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