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 am new to this. I have had problems paying my Egg loan and have been harrassed and bullied into clearing my arrears from my modest savings before they would agree to a payment plan, even though my predicament is temporary. I have also had loads of calls from DLC and now ARC(with threats to put a charge on my property). I already have my ccu and I have realised it does not have any cancellation rights (they were never sent seperately) and no total amount repayable. Does this mean it is unenforcible? I have looked at the consumer credit act but i am still unsure. Would really appreciate some clarification.:?
Thanks Lilythepink - I hope so. In the meantime I have sent a cca request to Egg and I have signed it in a way that I have NEVER signed my name before on any document EVER! It will be interesting to see what they send (if anything comes that is)
After reading through some of the posts I am feeling a bit more confident.
My cca sent by rec del has not been confirmed - posted it on 22/1!
I have now got confirmation that my SAR has been delivered, I am more and more sure that my cards are unenforcible as the agreemenT has the words approved limit rather than credit limit and there is NO cancellation notice.
Hi Cas, there are quite a lot of us now who have the eact same issue-the wording approved limit as opposed to credit limit and no right of cancellation.
egg loan
loan and have been harrassed and bullied into clearing my arrears from my modest savings before they would agree to a payment plan, even though my predicament is temporary. I have also had loads of calls from DLC and now ARC(with threats to put a charge on my property). I already have my ccu and I have realised it does not have any cancellation rights (they were never sent seperately) and no total amount repayable. Does this mean it is unenforcible? I have looked at the consumer credit act but i am still unsure. Would really appreciate some clarification.:?
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