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.
This is my first post and after reading around, would really appreciate some advice.
I took out a Barclaycard 4 years ago as I needed it for work( I had to travel and expenses weren't paid until payday). Two and a half years ago I had to leave my job to become my wife's full time carer when she became ill. I haven't used my card in a long time but my credit limit isn't going down much and financially I cannot afford the minimum payment and due to this can't always pay on the exact day so charges keep going on, I sought advice from the CAB who told me to do a financial statement, which showed a £150 defecit in my income(which now comprises of benefits,tax credits and dla) , all my other creditors are happy to accept the £1 monthly payment and have stopped interest charges, but Barclaycard won't budge and just keep piling on interest and late charges.
Barclaycard are totally unreasonable - you can't pay what you don't have. Someone on the site with much more expertise than me will help you here, and give you a step-by-step guide on what to do.
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.
Well before going to the CAB(in November) and being advised not to make payments, my balance was £3200, now it is £3609.16, I am getting overlimit charges and late charges on top of the interest.
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.
All penalty charges on the a/c can be reclaimed, late pay't and over-limit chgs.
This can be used to reduce the balance owed on the a/c. Depending on the figures, it may even bring the a/c balance back down below the a/c limit and stop further over-limit fees. Read the Reclaiming Guide at Link No1 in my signature below. Prepare an SOC (shedulle of charges) and send it off to BC with this letter - http://www.consumeractiongroup.co.uk...RD-letter.html
Also write a separate letter to BC using one of the ones mentioned earlier asking for them to stop adding int't and charges and to accept reduced payments. Tell them you will provide a schedule of Income & Expenditure if required.
As a new site user, you may find this a bit hard-going at first but this may be a better approach than the CCA request, which BC are currently side-stepping.
The upshot is that, if they can't produce a valid credit agreemnt for the a/c, you can repay the debt at a rate you can afford and they cannot add charges and interest, nor can they get a court to enforce the debt.
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 keep adding on charges!
charges, but Barclaycard won't budge and just keep piling on interest and late charges.
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Re: Barclaycard keep adding on charges!
