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 debt of £3.5K with Barclaycard was passed to Calders, who caught me on an off moment. I ended up paying them 50% of the debt. I now realise that was a mistake, and should have CCA'd them and also gone after £1.5K of charges.
Can I now reclaim these charges, even after I agreed a Full and final settlement 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.
But if I agreed a Full and final settlement with Calders (debt collection Agency) over the debt I owe (Or thought I owed). They then will make on the deal. Surely then I can chase Barclaycard for the illegal charges?
The charges are unlawful but you didn't pay them anyway so cannot reclaim them. The money was owed, whether to BC or the DCA.
Total owed to BC/DCA 3500
Less unlawful chgs 1500
Debt 2000
Less paid in F&FS 1750
Your net gain 250
(Sorry about layout - best I could do)
If you'd CCA'd BC or DCA, the outcome may have been different, but only because you could avoid repaying money which you borrowed and owed on a technicality.
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.
I believe that other people have reclaimed their charges back following a settlement. What's to say that any money I paid to them hadn't been for the charges that were wrongly charged, particulary in previous years when I had cleared balances which included the unlawful charges?
If I'm wrong, I'll be perfectly happy to admit it.
Please point me to the cases you refer to and I'll read them. If others disagree with me, I hope they'll post here so we can all learn.
I'm just looking, realistically, at the overall picture whereby you have still paid BC/DCA less than you borrowed after taking into a/c the unlawful chgs.
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.
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.
Donnt be stupid. Asking for your credit record is a away of the the credit companies making sure that they comply with the consumer data credit act by keeping their records up to date under the data protection act. Do you really want to help them...or give yourself a way of discredeting them...they donny know you they only think they know you based on averaged postal statistics............... ....this government supports bad banking practices....****.. donnt help 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.
They have no right to ask for payment...give them a pound a month , i know of 6 credit cards that are accepting a £1 a month payment for debts over £10000....they have NO right of entry.Dont insult me by giving me links to look at...This is england...oh yes where conservative MPs get arrested for saying the truth under the CC act yes the CC act...get real
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.
Calder Financial/Barclaycard
settlement with them?
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