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.
Please read, sign and pass on to others to sign my petition on the following link: http://www.gopetition.com/online/19136.html
I have today begun a petition to call on the Government for legislation re: Term of Default Notices.
This is not only because there is no legislation at present which states how long a default should remain on a credit file, but to clarify several points.
I.E. If you have a Default worth 20 pounds compared with that of somebody with a Default worth 200 pounds, you are punished for the same period of time without any legislation stating how long you SHOULD be punished.
If you committed a criminal offense such as council tax evasion, you would be punished less (or i hope) than a murderer would - in these cases you are assessed on a case by case basis yet the world surrounding Default Notices remains vague.
If there is no law stating it should be there for 6 years, then why is it? If there is no law stating you can't remove it prior to the expiration of 6 years then why not remove it?
It is not an attempt to aid people avoid their responsibilities, it is to justify the actions taken by lenders and to possible force a more understanding and considerate approach to people who have defaulted less than others.
If you would be so kind as to sign my petition on the following link, it would be greatly appreciated.
Law Reform: Term of Default Notice*-*Online Petition
Many thanks for your attention, and if you have any queries or additions you might want to make to the petition, let me know and we can discuss it.
-------------------------------------------------------- Under no circumstances should you speak with a Debt Collections Agency via telephone, request that all future correspondence is done in writing, a letter template for this can be located here.
Any views expressed are solely that of my own, any advice or information offered is provided in genuine good faith, and should be checked prior to acting upon.
If my post helped you in anyway, please click on the scales to the left.
ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE either SPML/PML/LMC/SPPL; the following are DIRECT tel#s, of the investigating & prosecuting organisations:
DO NOT say you are from CAG-only directly affected or a concerned citizen. 1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633 2. CH : Lee Jenkins(prosecuting Amany Attia for SPML/PML) @ 02920 380 643 3. CH : Mark Youde(accounts compliance) @ 02920 380 955 4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108 (part of the Insolvency Service) investigating all the Lehman lenders 5. CIB : Jeremy Pilcher('unofficial'-consumer/company law) : @ 0207 637 6231
__________________ File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!
Me v Abbey - £3000 + Int + Costs + Credit File Cleaned.
LBA Sent 12/3/06
Court Claim started - 31/5/2006
Allocation Questionnaire Filed - 24/7/06
Court Date allocated 31/10/2006
Me v Citi-Cards - CCA Sent 27/07/06
Me v Citi-Cards - Data Protection Act Sent 03/08/06
Me v Capital One - Data Protection Act Sent 03/08/06
Me v Hillesden Securities - CCA Sent 03/08/06
Me v Hillesden Securities - DPA Sent 03/08/06
Signed.
I would like to add that one-sided authority of the financial institutions / lenders to register a default on anyone's credit history should also be waived. If a default has been caused by a borrower, it should be mandatory upon all financial institutions to inform the borrower that they are about to register a default on his credit history and he has one last chance to rectify the situation. If the borrower still does not respond and take remedial measures, then the lender could register a default. But a unilateral authority to register default on any one;s credit history should be waived.
On that we are trying to challenge all unfair practices, for instance defaults with out CCA agreements, time of default notices, no real right of a fair appeal etc.
we are asking everyone to sign a petition there and send a mass complaint letter to the OFT. I don't know if you agree but we may end up splitting between these two petitions and weakening both.
Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.
Sun Tzu 'The art of war'
POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S
Default Notice Petition
, then why is it? If there is no law stating you can't remove it prior to the expiration of 6 years then why not remove it?
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