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.
I have a cahoot loan in default and Moorcrap send a collector around yonks ago.
I told him I paid £0000, in May, 25% of o/s balance which would clear all if not all of arrears direct to Cahoot and have confirmed this on my internet banking.
He told me it would filter through and Moor would writeto me. Nothing so i wrote letter, standard mail in June but no reply.
I have a savings a/c and cc with them and would like to keep them.
Do I ignore the lack of comms, pay the balance outright, arrange a plan with Moor, deal with as it arises if they ever write to me again,
First NEVER talk to these "people" on the phone as they will try and get you to agree to anything.
Before you even think about making any sort of acknowledgement or payment to a DCA you MUST ensure that they have the LEGAL right to collect the debt.
This is achieved by requesting a copy of the Signed, Executed Credit Agreement via a Consumer Credit Act (CCA) request.
There is a template letter to be found here: http://www.consumeractiongroup.co.uk...templates.html
Letter N.
Is it important to start the letter:
I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY in Big Bold letters.
It is best to send this request via recorded/special delivery as there are some inportant deadlines to observe.
After 12 WORKING days the "debt" is in default and stays that way until the request is complied with.
If a FURTHER month passes then the DCA has committed a summary criminal offence and the matter should be referred to Trading Standards for action.
thanks Cb ... well ... i realise this is one route .... however if i make an issue out of this Cahoot Loan they may withdraw my other faclities and I could struggle gettting another credit card.
Also as these are more recent agreements they are more likely to actually have a copy.
If I wait for something to happen I can still go down the CCA route ... its almost 3 months since I last wrote to them and they have gone very quiet.
Does anybody have any exp of successful CCAs, and what generally happens to the accounts?
speedtrip v cahoot/moorcrap
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