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.
There are several reasons why your application could have been declined.
Have a look at this thread - it gives details of alternative accounts available and examples of why you would not be accepted.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
I know my credit file isn't perfect, but its not too bad. I have one default, i dont have any CCJs or anything like that.
I have applied for a couple of regular accounts and been turned down, so the only thing I can think of is that there are too many searches (if thats possible?) or its the electoral roll info that is bringing me down. I checked my experian file today though and my electoral roll details are back on there.
hi - I've got a small and fairly old CCJ on my file and had no problem with the Step account. Could well be the electoral role issue, i've also got quite a few searches on my file (7 in the last 6 months as a guide if you wanted to compare)
HTH in some way.
Abbey - Claim 1 full hearing 22 Feb 07 - Settled in full £710
Abbey (Claim 2) full hearing 22 Feb 07- Settled in full £4000
Abbey (Claim 3) Court date 27 June -
Capital One (claim 1) £467 Settled in full 20 Sep
Capital One (claim 2) £72refunded 19 Aug
Associates (Citicards)
claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS
Well just to update, since receiving the "thanks but no thanks" letter, I received a nice letter from Natwest welcoming me to the bank and have included my account details! Their customer service doesn't fill me with hope!
Parachute Account Help!
Step Account!
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Re: Parachute Account Help!
