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 am with Barclays ( mastercard )since last year and my credit limit is £1000 and my balance is around £940, i have never missed any payment but most of the time i was doing minimum payment and that is killing me now because it does not seems to be finish.
what are the chances if i apply for the visa card with them ?
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.
There are many factors that would play a part in any future applications, your overall indebtedness being one, your repayment history with any and all creditors, your salary etc etc, so it would not really be possible for anyone here to give an answer on your 'chances' part.
If your credit status is very good, then why not search around for the best deal to shift your debts and save you a few quid in the bargain?
There are many sites that help more with that specific sort of thing, like Money Saving Expert, for example.
If your credit rating is poor or you are experiencing some difficulties at the moment, agencies like the CCCS can give free advice about how best to deal with them.
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Also, having just been turned down for a credit card, applying for another one straight away reduces your chances of being accepted. Certainly if you are turned down for this one you may wish to leave it for at least 6 months before making another application.
How likely to be accepted ?
( mastercard )since last year and my credit limit is £1000 and my balance is around £940, i have never missed any payment but most of the time i was doing minimum payment and that is killing me now because it does not seems to be finish.
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