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.
Got a call this morning from a marketing firm selling the services of solicitors basically looking to identify unenforcable agreements.
I have a car loan with Welcome (bought from an independant retailer) and the guy on the phone said this may unenforcable for a number of reasons.
I am just wondering what these could be as he wanted £99 for the solicitors to examine the agreement.
I don't think I have PPI, doubt it as I never usually opt for it.
He mentioned if the APR is incorrect or the entire repayable amount is not present on the agreement then it is unenforcable. He also mentioned government legislation???
Is this a hoax or something I should explore?
I have arrears on the account and Welcome threatened repossession even though more than 50% has been paid.
Any advice appreciated.
hi the light brigade
first thing i recomend is dont.
that info is given on CAG for free
it seems to me the quote goverment legislations,is all to common in selling iva,s.
do you trust giving a copy of your finance agreement to any tom dick or harry.
welcome can threaten repo but with out a court order, they are stuffed.
if i were you, post your agreement on your thread.
to do this google photo bucket, its free.
deleate personel details, name, address,account number and signature.
leave the figures in the boxes.
one of the experts n agreements will then have a look.
this company will prob say its unenforcable and then want a retainer of £500 to continue.
stay away but its your choice
Had a copy of my account history from welcome a few weeks ago and I noticed a lot of £10's charged to the account. I spoke wit e rep that calls for payment and she said these are charges for calls made because of late payments. I have never been notified of any charge liable, I did not know I would be charged a tenner to receive a call!! I told her I have no intention of paying all these charges as I knew nothing about them.
A week or so later i received a letter from them detailing 4 calls at a tenner a pop. The notice states that they are obliged to notify me under the consumer credit act and are not allowed to charge interest on these fees for a month.
I have since received another notice for a tenner, same text as above.
As I have never before been sent these letters and as they clearly state that they are obliged to send them to me, what is my best course of action now, I want the charges taken off the balance and of course the interest.
The rep just told me to put it in writing that I am refusing to pay!!
Hitlist: Barclays | Barclaycard(2) (Settled) | MBNA (won)| Halifax Visa (Settled) | Capital One (Won) | Citi-Cards | Capital One (Round 2):grin: (won)
The requirement for lenders to sent written notification of any charges started on 1st October, for charges made after this date. They have to notify you within 35 days of the charge being applied.
Welcome Finance
, doubt it as I never usually opt for it.
(Settled) | MBNA
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