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.
you can have as many current accounts as you like - I have 2, a Current Plus with Natwest and a Premier with Alliance and Leicester. (No debt on either of them!!! And Im not rich either ) I think the only restriction is if you have basic accounts - youre only allowed one. But with normal current accounts, you can have as many as you like.
Same goes with credit cards - if you keep up the repayments on them and dont default, your credit file should be good. And you can legally have as many credit cards as you want - I've heard of cases of people with 17 or 18 credit cards
So dont worry Linux, you arent breaking the law
THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!!
THANK YOU SO MUCH FOR A FAB NITE LEE! xx
Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'
02 Apr 2008, 23:55
OfficialLeeRyan wrote:
i like that!! its simple and good and gets the fans involved aswell x x x
MY SUCCESSES -
1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....
My mate (Littlewoods/Moorcroft)
300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.
070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...
140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT!
If you have a load of credit cards, this may affect future lending, even if you have nothing on them. In effect this is approved credit facilities, you could be sitting with £50k of available credit that you could spend at any time...in the current climate, credit providers will freakout at that.
Thats very true about having a shedload of credit cards, but I dont really think this applies to having say 3 cards if they are all in use.
My mum has about 5 credit cards and people are still falling over themselves to give her more credit... I suppose it depends on the individual, but I certainly dont think having 17 or 18 credit cards is a good move... but if you had that many, why on earth would you WANT more credit?? (unless you were a millionaire, but again if you had all that cash why do you need that much credit???)
Is going off on a tangent as usual... boredom does funny things to me
THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!!
THANK YOU SO MUCH FOR A FAB NITE LEE! xx
Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'
02 Apr 2008, 23:55
OfficialLeeRyan wrote:
i like that!! its simple and good and gets the fans involved aswell x x x
MY SUCCESSES -
1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....
My mate (Littlewoods/Moorcroft)
300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.
070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...
140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT!
I think the only restriction is if you have basic accounts - youre only allowed one
I've got about 4 or 5 (though this does include joint ones too)
All my posts are made without prejudice and may not be reused or reproduced without my express permission (or the permission of the forums owners)!
17/10/2006 Recieve claim against me from lloyds TSB for £312.82
18/10/06 S.A.R - (Subject Access Request) sent
03/02/07 Claim allocated to small claims. Hearing set for 15/05/07. Lloyds ordered to file statement setting out how they calculate their charges
15/05/07 Lloyds do not attend. Judgement ordered for £192 approx, £3 travel costs and removal of default notice
29/05/07 4pm Lloyds deadline for payment of CCJ expires. Warrant of execution ready to go
19/06/07 Letter from court stating Lloyds have made a cheque payment to court
If the bank are happy to give you more than one basic account than thats ok but as I understood it you werent allowed to have more than 1 basic account at different banks... cos when I was trying to escape the clutches of my Nasty West Step account nowhere else would give me an account as i already had one...
THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!!
THANK YOU SO MUCH FOR A FAB NITE LEE! xx
Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'
02 Apr 2008, 23:55
OfficialLeeRyan wrote:
i like that!! its simple and good and gets the fans involved aswell x x x
MY SUCCESSES -
1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....
My mate (Littlewoods/Moorcroft)
300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.
070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...
140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT!
current account
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) I think the only restriction is if you have basic accounts - youre only allowed one. But with normal current accounts, you can have as many as you like. 
Originally Posted by Mrs_Ryan
