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 have a debt related to HFC Bank on a credit card. I have been paying this through CCCS for over 9 months without a murmur. Out of the blue I get a letter from Restons threatening legal action if payments aren't increased. No prior contact from HFC, no negotiation and straight to court. There is a small amount of late payment charges which I never bothered to chase (just over £100). How is it best to deal with this?
It's a bluff imo..if you are paying what you can afford then they can't get blood out of a stone. I would call their bluff and tell them exactly that in as many words. I doubt very much they will take legal action and even if they did and you prove to the Judge you are doing what you can he will be on your side...not of these leeches
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
HFC Bank ignoring CCCS DMP
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