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.
My dad is currently going through the procedure of trying to sort all of his debts out and has been largely successful in getting the creditors to accept pro rata monthly payments. All with the exception of two debts passed to HFO Services and one for Barclaycard / 1st credit.
The problem he faces is that Barclaycard have been telling my dad to ignore 1st Credit and that they do not own he debt for the past 4 months. They also told him that they would accept payments of £35 a month and he as been making it.
We have now discovered that 1st Credit do in fact own the debt and that Barclaycard have just been passing the payments made to them onto 1st Credit.
We think that because my dad has been speaking to Barclaycard only and not !st Credit that they have added £1000 interest to the debt owed.
Any advice on what we should do? (My Dad is not a home owner).
if so, get their assertion in writing and complain to Trading Standards about 1st credit and pay as agreed to Barclaycard.
DCAs have a habit of trying to collect where they arent entitled to.
the first step is to clarify your fathers situation.
if the original debt is to Barclaycard and they tell you 1st Credit are taking the p*ss, then you have positive proof of fraud, which needs to be followed up on
Thanks for your advice. We have had written clarification that 1st credit do own the debt. But Barclaycard have been giving my dad the wrong info for 4 months.
1st Credit / Barclaycard - Advice please!
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