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.
Ok hello everyone and im very new to this.... I have an oustanding debt with freemans, that is now all charges as the original iten worth £25 has been paid long ago! they have now passed my debt to a third party and i really want to get all those charges stoped, i havent paid them and the debt is up to £98 which as a single mummy i dont have a penny.
Im really fed up of their abusive letters and im trying really hard to get myself out of this hole! im rubbish on computers and it has taken me 30 mins to figure out how to post this on her so i dont have a clue where to start.
Please help
Thanks
Jayne x
I have recently started to try to recover costs from Littlewoods, a simliar situation.
Firstly, do you have a record of all the charges that have been levied against you and their dates? You will clearly need this in order to list everything fully. If you do not then you will need to send off to them and ask for a copy of all this information from the start of your account. You will need to send £10 in with the letter to cover DPA costs. The letter you will need can be found at...
If you do know all of the charges made on your account, or once you have them off the company following the above letter, then send in the next letter which asks for the charges back. This can be found at...
hi there have you decided to do anything about freemans? I am about to start action, and there doesnt seem to be too many people taking action against companies like them.
FD £691.50 SETTLED IN FULL £691.50 FD CREDIT CARD £75, SETTLED IN FULL £75 MBNA CREDIT CARD £1784 SETTLED IN FULL BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200
PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x
Hi there, yes i posted my first letter off yesterday, the thing is i have not yet paid the charges as im refusing, the debt has been passed to a debt collector and im refusing to deal with them and have gone straight to Freemans, i never received statements and this is why im in arrears, well only in arrears for late payments the £25 item i brought from them was paid a long time ago, now they want me to pay all the late charges totalling £98 yeah right, no chance! Good luck to you and keep in touch so we can see if this works x
Yes, will do, posted my dpa off today so will wait and see . . .
FD £691.50 SETTLED IN FULL £691.50 FD CREDIT CARD £75, SETTLED IN FULL £75 MBNA CREDIT CARD £1784 SETTLED IN FULL BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200
PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x
Good luck, I am now waiting for a response from Littlewoods... Same thing, not really much of a presedent on here for this kind of company. Lets wait and see!
Am having a few problems with Freemans myself.
Thought i would try the nice and polite approach first.
This was met with a really snotty, and quite aggressive letter.
I have now sent off my more forceful "this is unlawful, i want my money back" letter.
Will let you all know how i get on!!
hi
no response off them as yet.
thought i would give it till the weekend, then send off me second letter
wish me luck!!
Hi wondered if you could answer a quick question for me. On the data protection letter what word/s do I replace "banking history" and "banking business" with. Thank you very much for your help xx
Sam,
I would just replace it with "account history" or something like that.
Didn't have to do that myself, as although i tend to throw away most of my statements (naughty naughty!), the anger that i felt when i was charged the fees somehow seeped the information into my bones, so i know exactly how much the [edit] toe rags have taken from me. Good luck!
The papers were served to them officially on the 12th, and an acknowledgement was issues on the 15th, they now have about a further two weeks or so to defend. They gave £20.99 back out of £300, nice aint they...
Account was old, opened in 89 and stopped using it about 4 years ago.
If I have helped click my scales....
Find my threads by [URL="http://www.consumeractiongroup.co.uk/forum/search.php?do=process&showposts=0&starteronly=1&exactname=1&searchuser=debt_mountain"]clicking here [/URL]
i have read all these stories with amazement,i too got into a mess with the catalogue which resulted it being passed onto a solicitor now all of a sudden i owe just over a thousand pounds.where do i start in getting this resolved.please help
Freemans catalogue charges help please x
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Originally Posted by mushypea16
Re: Freemans catalogue charges help please x
