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 CCA request to Barclaycard/Goldfish on 6th November 2008. Have finally just received a reply after sending a 2nd letter. They have backdated the letter to 6th January 2009, the date I gave them to respond by.
All I received was the standard letter, "Thank you for contacting us. Enclosed with this letter is a copy of your Barclaycard Terms & Condition. If you need any further information" etc etc. No copy of my credit card agreement, though I'm not surprised I took the card out with Goldfish back in 1998.
Mercers (barclaycard by another name) are constantly calling, but I can handle it. They never get very far with me, I exasperate them til they hang up, the calls then stop for a week or so.
I also received a reply to my harrasement letter saying they were doing nothing wrong...
I'm now going to write a short, straight to the point letter to remind them of their obligations and remind them that the account is in dispute.
Have still never received a copy of my agreement. I received a letter from Calder Financial today. Going to send them all the copies of the letters I have sent to Barclaycard/Goldfish and tell them if they continue to harass me I will report them to the fos and Trading Standards.
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.
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.
however since Barclays have a registered office in England the op may be able to make an application under CPR 31.16 but they would need to present the N244 in the english courts
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 live in Scotland, does this make any difference regarding Court procedures?
Unlike in England and Wales, there is no statutory basis for a Pre-Action Protocol in Scotland. The Pre-Action Protocol, covering disclosure of documents etc, is currently voluntary and only covers a small area of the law (accident claims up to 10K).
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.
Response from B'card/Goldfish CCA request
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