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.
Have been looking through this site for a few weeks now and found it to be really useful.
Need a bit of help now though. My partner and I have got into a bit of a financial situation and all of our creditors apart from Barclaycard have accepted pro-rata payments from us.
My intention is to start claiming back charges starting with Barclaycard and need to know do I CCA them first or can I CCA them and S.A.R - (Subject access request) them at same time.
I am only asking this as we have had a default notice sent twice from Mercers and just lots of other useless correspendence from them and I think its about time we got our own back on them.
If you don't have your BC state's covering the last 6 yrs for which the a/c has been running, end SAR now with £10 fee (which you may get back).
I would also include a seperate CCA letter in same envelope and send by Rec'd Del'y.
You'll find templates for both these and, as you say you've been site-watching for a while, I hope you can find what you need already - if not, post us here and you'll get help.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Newbie needing some guidance
) them at same time.
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