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.
Just wondering is it still worth trying to reclaim bank charges of just over £3000 if a have a overdraft of £4200 over my 2 accounts. and I am only considering an IVA or Bankcruptcy.
I have many credit card debts, 1 card has turned the debt into a charging order on our home.
HMRevenue are after income tax vat and paye from my previous business
contacted payplan and taxaid so far. No luck contacting citizens advice yet.
Okay as the cards are all quite old a would ask them all for a copy of the credit agreement. Without a compliant copy of the credit agreement the accounts are legally unenforceable. Due to the age of the accounts it is unlikely that any of them will still have a copy of the agreement and even if they do it is unlikely to comply.
Send them the letter here (template N) via recorded delivery with a one pound postal order. do not sign the letter.
Just Starting
of £4200 over my 2 accounts. and I am only considering an IVA or Bankcruptcy.
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