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.
I sent a letter to each of the following yesterday
(i) Barclaycard
(ii) Black Horse Finance
(iii) Equifax
and also reported Barclaycard to the Information Commissioner, If I don't hear a satisfactory reply from (ii) & (iii) then the info will be passed to the IC
Just a quick note for all concerned, I have heard absolutely diddly squat from Barclaycard.
I've had a letter from Black Horse that states the following:-
"Thank you for your recent communication regarding the above agreement.
Whilst Black Horse sympathise with the circumstances which lead to your IVA the information on the databases of the DRA, to whom we subscribe, reflects the conduct of your aggreement with ourselves, this remains on record by law for six years, from the date of the original default 31st July 2000 and will delete automatically 31st August 2006.
Thank you once again for your query. I hope the above information is useful to you."
So I don't think they quite understand that they should not issue a default later than the date of the IVA that included their debt.
To recap, the IVA falls off my credit file in April 2006.
I have also heard from the IC, they want it all on the proper form, even though it was all included in the letter and attachments, anyway, I will be following that up.
"I have conducted an investigation into the comments you have raised and as a result I have arranged to have your credit files cleared completely amonth early, in relation to your Barclaycards.
The accounts should have been marked as defaulted at the start of the IVA April/May 2000 and this should subsequently have remained on your file for six years from that date.
I would like to offer my sincere apologies on behalf of Barclaycard for the error and the delay in responding to this letter.
I trust that this is a satisfactory conclusion and if you wish to discuss the matter further, please do not hesitate to give me a call."
So, A result. although no mention of compensation for my time, effort and their incorrect reporting for the last six years.
Letters sent via recorded delivery yesterday
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