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 am looking for some advice re British Credit Trust. I bought a car from Arnold Clark 4 yrs ago with credit arranged through BCC. Problems set in within 4 mths with major problems with the car and a £1400 bill. Despite CAB and Trading Standards advice neither car dealer or BCC would help. Ongoing mechanical problems with the car led me to payment problems. Have been dealing with Nolans and making monthly payments through them for approx 2 yrs. Recently asked for statement of payments but have received nothing. Last week I asked BCC for a settlement figure to be told that it was over £5,000 despite the car costing less than £5k and payments made estimating £9K. I am desperately needing to get rid of the pile of junk called a Renault Scenic which I big mistakenly bought but can't seem to get myself out of this mess with BCC to afford another car. Can't believe that they say I still owe over £5,000. Feel like I am paying into a black hole which will go on forever and certainly past the car going to the graveyard. Any advice most welcome.
Now received statement from BCT. Letter charges and late payment surcharges amounting to over £1,700 on account. Statement is really worrying as payments made to Nolans make it look like there are loads of gaps and months when payments are not being made. I have been paying £200 at beginning of every month but Nolans seem to be holding back payments and paying £400 some months. BCT are applying late payment fees when it is not me who is paying late! Also worried that not all payments are on the statement. Will need to get old bank statements. Any ideas about where I go next with this??
I would be looking to hand the car back and when the agreement is cancelled claim back all the late payment charges. As £25 is not a reasonable amount to pay for issuing a letter which goes through an automated process. £1700 + 8% interest will be quite a sum.
British Credit Trust
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