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 had a run in with Budget,and this eventually got them off the case:-
No advice has been given showing how the above sum has been achieved,therefore in line with the Consumer regulations of 1999,this charge must reflect your ‘actual or real loss’,and to this end please advise a Breakdown of all costs in regards to your actual loss,and that this charge accurately reflects your true costs in relation to the said charge.
The alleged debt has been passed to a debt collecting agency. It's for just over £50, but I would like the DCA to supply me with details of this debt, as I'm sure by law they would have to have some kind of proof etc.. to chase me for this.
I was under the impression that (and indeed if you were).....that if you paid by monthly direct debit then it was under the Consumer Credit Act - I know mine is definately covered by the CCA (if I signed it of course) !!!
I was under the impression that (and indeed if you were).....that if you paid by monthly direct debit then it was under the Consumer Credit Act - I know mine is definately covered by the CCA (if I signed it of course) !!!
Generally, if the insurance is paid via a loan, where you agree a monthly repayment for a loan, then the loan for it is credit and so will be regulated.
if you pay the insurance monthly, when it becomes due, it will not be regulated.
further, some costs involved in an insuarance contract (i.,e. excess) are not credit, and so would probably not form part of a regulated agreement.
All this is further complicated by the fact if they claim on the contract it is a regulated agreement, then it will be a regulated agreement even if, otherwise, it would not be. (The estoppel doctrine).
Isn't life nice and simple, LOL
i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.
Insurance Policy
policy I cancelled years ago.
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Originally Posted by 42man
