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.
Hi, I'd like people to know my situation with my Barclaycard, just prior to Christmas!!! My partner and i recently remortgaged and I paid £10000 off my Barclaycard Visa and Mastercard a couple of months ago. Today I tried to use the Visa and couldn't so I rang their Customer Services who advised me they have reduced my credit limit from £6500 to £800, saying they've written to me yesterday to advise of this!! When i queried it, it was due to reviewing my account and there had been 7 late payments this year!! This was due to bank charges and that they couldn't fix the payment date to my pay day, although each time i rang when the payment was not made, I was advised the following month would be ok. This is noted on their system and I have escalated this to a complaint, but they will not increase my credit limit!!!
For the record, I have no arrears with anything nor do I have any CCJ's, although the advisor also blamed my credit rating in this decision.
I would just like to warn people that it may not be beneficial to try to maintain a good credit history and not to repay a Barclaycard unless you no longer wish to use it.
Any advice would be appreciated, although I am in no doubt about having a very bleak Christmas.
Hi, thanks for your replies, I wrote letters to Lloyds to reclaim about £1200 charges (not including interest) but got fobbed off in responses and am therefore awaiting the test claim results before i make a court claim.
I hadn't considered reclaiming charges for my credit cards, but I'm not sure it will amount to much as it was only this year i had problems with late payments. I just can't believe that having been a customer for 14 years with no problems, they've basically closed my account after I've repaid the balance.
We've been hearing similar tales more frequently of late, particularly the CCard companies reducing limits with little or no notice.
They appear to be trying to reduce their exposure to bad debt.
If you write to BC, Master and Visa sererately, asking for chgs to be refunded in full using the Prelim Letters, you may find they will refund more readily than previously.
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.
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