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.
Hi all. I have a 1200 pound debt, formerly with Abbey, who defaulted me a year or so ago. The amount is mostly made up of bank charges, which i do intend to claim back on but need time to get the S.A.R - (Subject access request) off to Abbey.
Apex have been chasing for a while and i fear they are on the verge of court action, against which it is unlikely i will be able to defend. Is there a letter i can send to apex to gain me more time to sort out an S.A.R - (Subject access request) and possibly file a claim? I did originally CCA abbey, and I have sent the CCA letter to apex but they did send back a copy of the agreement, and since then I have also read that the CCA is not applicable to overdrafts.
It was a student overdraft. I had money going into the account each month, but when i lost my job they cut off my account without warning and started adding intrest/sending me debt recover letters. This was about three or four years ago.
I had the account for about 3/4 years and over that period paid a huge amount of charges for failed DD's and visa transactions when no money was available.
Any help would be appreciated. I am a student again right now and cannot afford to make payments off this account.
Apex chasing...
, who defaulted me a year or so ago. The amount is mostly made up of bank charges, which i do intend to claim back on but need time to get the S.A.R - (Subject access request
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