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.
It rumbles on, it seems allthough I have a fixed sum loan agreement for the car, the financiers might have registered an interest with HPI. Anyhow, I am trying everything to terminate the agreement as the car is rubbish and falling apart; however, at the end of the day if nothing works then I will just default on the agreement. They can have the car back and sell it. They'll say that I owe them the rest but I am a 23 year old student with no assets of any sort. Sure, I don't doubt that I will get a CCJ but I am still very young and don't want any credit anyway. By the time I want to get a mortgage then it will be discharged. Quite frankly, I don't give two hoots anymore. They can write their pompous letters and send their spurious threats but I've got more important things to do like playing my guitar, spending time with my gorgeous girlfriend and having an adventure in life.
eCar Insurance overpayment - £325
Settled in full - 15/09/08 NatWest Student A/C bank charges - £260
Settled under hardship scheme - 08/06/09 Natwest Business A/C bank charges - £60
Settled in full as GOGW - 20/04/09 Santander Consumer Finance late payment fees - £60
Part settled for £48 - 01/03/08 Peugeot Finance late payment fees - £50
Settled in full before county court hearing - 01/09/09 Peugeot Finance overpayment of £247
Settled in full - 01/12/08 Valley Leisure - complaint about collections agent
£160 part refund of gym membership in compensation - 01/02/09 HFC Bank - complaint about payment deducted from my account on wrong date
GOGW £10 - 01/05/09
Car Finance Problems
with HPI. Anyhow, I am trying everything to terminate the agreement as the car is rubbish and falling apart; however, at the end of the day if nothing works then I will just default on the agreement. They can have the car back and sell it. They'll say that I owe them the rest but I am a 23 year old student with no assets of any sort. Sure, I don't doubt that I will get a CCJ but I am still very young and don't want any credit anyway. By the time I want to get a mortgage
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