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.
hello ! I have been out of work for 4 months now and i do not have sufficiant funds to pay the minimum payment for next month . I also have 3 other cards and 1 personal loan . I have had these for some time now but i have never defaulted or missed any payments . Due to a glitch on my credit score i cannot consolidate with a personal loan . I am paying just under £500 in total per month and there is no sign at the moment of improving any income .
What legal options do i have and how do i go about them ?
You say you've never defaulted on any of these a/c's. However, have you suffered any Late Pay't Fees or other penalty charges which you can reclaim, to reduce the debts.
The point being that, if they don't have a valid Credit Agreement for an a/c, they cannot enforce collection on it. You can therefore repay the debt at a rate which you can afford.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Barclaycard debt + others
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