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 have found serveral versions for the letter that needs to be sent to a credit card company requesting a copy of the orginal agreement. Could someone give me the most up to date version to send please.
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.
I am a bit confused. I want to try to get the credit card balance written off.
To do this should i use the template letter N or the letter in your link?
If i use the letter in your link would the second stage be the letter N ( i have read on the forum about it being important to include the £1 postal order and your link does not mention this).
Letter N is the letter to send to see if they have an agreement for your a/c. If they don't, you can repay the balance at a rate which you can afford without them adding interest or penalties. Para 5 mentions the fee.
It's not just a method of dumping the debt.
The second link I posted is an alternative route to getting a copy of your agreement if they respond by sending you a copy of their T&C's, which some credit card Co's are doing now.
You'll learn loads by spending some time reading the threads of others in the forums of interest to you.
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.
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