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.
Hopefully have posted this in the correct place, just after some general advice really!
I have a barclaycard with a balance of around £1500 to my name. I am trying to sort out various debts at the moment, however this card is the largest of the debts i have to pay off.
I have been reading with interest of people getting these debts written off by challenging the paperwork of the original agreement, and I guess my question really is how likely is this to happen if challenged?
A bit of background.....
I signed up for this card back when i was 18 in 2002, when barclaycard had a stall set up in our student union offering free stuff for signing up for one! Very devious of them I think now i look back at it, didn't really understand what i was getting myself into!
Back to the point....
If i wanted to challenge the validity of the agreement i took, what's the best course of action? How would i know if the CCA was all in order or not?
Does it matter that i've used the card in the last 6 months? (was made redundant and had to use card to meet rent payments for 2 months )
I do feel a bit torn about trying to make this debt 'go away', however the way barclaycard have upped my interest rate really leaves a sour taste, i'll forget all my morals not to pay them back another penny
The first thing you need to do is make a formal request for a copy of the credit agreement. You can do this by sending them template N here
Send it via recorded delivery with a one pound postal order. do not sign the letter.
If a credit agreement does not contain all the prescribed terms then it is legally unenforceable and if you stick your heels in and state that you won't be paying it on those grounds then really they have very little alternative but to write the debt off.
Barclaycard/CCA request?
of people getting these debts written off by challenging the paperwork of the original agreement, and I guess my question really is how likely is this to happen if challenged?
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