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.
After graduation I had really managed to rack up some debt. I had a number of creditors with accounts in arrears. After my father died I inherited a sum of money - which I used to arrange short settlements on my outstanding debts in February 2006.
The other day I registered with Experian and ran a credit check to find out how my credit file is looking these days - 2 years after clearing my debts ( so I thought).
When I registered with Experian it showed the defaults for short settlements with other creditors - but nothing appeared for Booker Management Services/Barclaycard. The only credit check that showed as being run in the last 12 months was the one I did myself.
A couple of days later a letter appeared at a previous address of mine from Booker Management services.
I've not seen the letter but by all accounts it is a hefty package with all sorts of forms and the gist of it is that they bought the debt and I owe them money.
At the same time the letter appeared a credit check from Booker Managment Services appeared on my credit file with the following information -
Company name: BARCLAYCARD Account type: Credit card / Store card Started: 08/10/1997 Default Balance: £ 633 Current Balance: £633
Defaulted On: 31/12/2004
File Updated for the Period to: 10/12/2006
I've heard of a number of people getting blindsided by letters from BMS when they thought their debts had been cleared....
Can anyone offer me any advice as to how best to deal with this situation without opening up the proverbial can of worms
Do you think you may have cleared this and Boooker are wrong, or could you have overlooked it.
It appears BMS don't have your current address but that may only be a question of time. Have you seen what they have sent you or has it been returned undelivered.
You can choose to leave this until they catch up with you (if you think they will) or tackle it pro-actively by getting them to confirm what the debt about and whether it is enforceable.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Booker Management Services - Again !
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