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.
Just succesfully claimed back all my charges with MINT and they even paid the interest on top. Pretty quickly only took 2 weeks and 2 letters. They replied to my S.A.R - (Subject access request) with an offer straight away and I hadnt even requested the charges back at this point. They did the usual and offered me the difference between the £20 and £12 ones which I declined and a week later have settled in full.
Now, problem is they have refunded back onto my card which is effectively a closed account - I have 5k outstanding on the card and the card is no longer in use due to them withdrawing my credit facilites as a result of non payment and this account is now in dispute in relation to the cca etc.
Can i request this be paid to me in a cheque rather than applied to the account? If so anyone done this and have a handy letter they can post up for me please.
Re: MINT - Charges settled in full with interest BUT
Hi
I'm not too sure, I think it could argued as fair and its also reduced the balance, if they paid the amount for example to a DCA who purchased the debt I would say that was unfair.
MINT - Charges settled in full with interest BUT
on top. Pretty quickly only took 2 weeks and 2 letters. They replied to my S.A.R - (Subject access request
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