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.
Egg cancelled my account because I was non-profitable for them, since I paid massive chunks of the balance.
Now for the past few months (feels like a year) I have been paying off the balance on the same day as the statement being released, and leave enotes and phone calls for them to close the account. I get some fob-off 'I'm sorry sir but we cannot close it whilst there is a balance outstanding, and we need to wait until the next statement to get your outstanding balance'.
So for the past few months, i've been getting £1 - £1.50 bills which is the minimum payment for the card, and (since I don't check regularly) sometimes had my credit rating destroyed by them doing this.
So, how can I actually end this account and this stupid destruction of my credit rating?
If you pay the full balance on statement date, how do they manage to add amounts by the next statement date?
Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.
Because apparently there is a delay between the statement being released or somesuch excuse.
Basically, they say: "When the statement comes through, enote us, speak to an advisor, pay the balance and ask for it to be cancelled.
I tried this twice, and expected they were competant enough to do this. However the interest of one day of (my current balance for instance) £1.50 causes the basic minimum payment of £1 to be created, which is then subject to interest on the subsequent month after zero correspondence (me thinking it was sorted), and thus it escalates exponentially.
How to end my account?!
cancelled my account because I was non-profitable for them, since I paid massive chunks of the balance.
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