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.
In addition to the points in the application to lift a stay you can raise the fact that credit card charges are quite different to overdraft charges in that there is a clear breach of contract so the case could potentially be decided solely on the common law of penalties without reference to the UTCCR which the OFT case focuses on. Furthermore as there is a clear breach of contract their is no question about whether or not the UTCCR applies as it has been held to apply to default provision in DGFT V First National.
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