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.
I havnt posted for a while now as my dispute has been ongoing for nearly a year now!
The story so far is i VT'd my agreement in Novemember last year. After about 2 months Cap bank finally got round to calling me and told me i couldnt VT as it wasnt a HP agreement. They sent me a copy of the agreement (not even legible - see here http://www.consumeractiongroup.co.uk...forceable.html
I later reported the dispute to the financial ombudsmen, who said they were unable to help as it was HP and they pointed me in the direction of the FLA. The dispute has been lodged with them for around 8 months and nothing has happened. I havnt heard from Cap bank for about 6 months so i assumed Cap Bank were in discussion with them. I regularly chased the FLA every month for an update and they just said they were looking into it.
Anyway yesterday i recieved a letter saying they were acting on behalf of Cap Bank and were persuing legal action. What do i do? I thought they cannot do this while its in dispute?
To date here is just some of the breaches cap bank have done:-
Breached fos rules – They should acknowledge my complaint, in writing by the next day
The terms & conditions on the agreement do not have a signature and have never been given to me previously
The agreement is illegible
Agreement doesn’t state what type it is! Credit sale, HP etc
Last letter was for £7762.28, now its risen to 8k. Why is this?
Credit Search on my credit file shows it as a HP agreement. Yet Cap Bank say it isnt
Recieved firghtening letter from cap bank
rules – They should acknowledge my complaint, in writing by the next day
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