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.
Just joined after reading the Forum. I am just about to start my fight against Default Notice (which I knew nothing about until Credit Collection Service (CCS) contacted me at work by telephone and demanded payment or would take me to court!!!) Have got to go through the compaints procedure with Egg, as they told me they have sold account and would not discuss anything with me. I know they were wrong in issuing the default notice,so I can hopefully sort this out. (Have contacted Financial Ombudsman) BUT what is bothering me is this CCS who are demanding payments. They took the last of my money out of my account last Friday. -This has left me with no money until I get paid at end of month. Direct debits due, have been refused, so I have been charged by bank, and they also want to take £200 on 1st of March and 1st April!! They wont do anything to change this until it is sorted with EGG. I cant afford these payments. This is causing alot of worry and frustration.
Didnt have it of course... only had enough to cover Direct Debits and money to see me to end of month. But they didnt care about that. I was so shocked because it was the first I had heard about it. I contacted Egg and they would not deal with me, so I had to pay them money. I never slept for days. Still dont know what will happen with next months payments. Trouble is, they will get paid because it is the begining of month where other DDs will get rejected, so more charges. And of course companies will start harrrassing me for missed payments.
I think you need to start at the beginning, ie what sort of account is it loan or credit card, give a brief history of whats happened with the account and if you have it post up a scan of the agreement. You really need to stop talking to the DCA on the phone and only deal with them by letter this will give you some breathing space. If they have brought the account from Egg there should be a notice of assignment get clarification of this from EGG not dca, they will say anything and do anything to get money out of you.
Gambia4 v Egg
, as they told me they have sold account and would not discuss anything with me. I know they were wrong in issuing the default notice,so I can hopefully sort this out. (Have contacted Financial Ombudsman
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