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 wrote to Barclaycard in the beginning of September 08 requesting a copy of a signed credit agreement.
I continued with my payments for the 12 + 30 days and, when there was no reply I missed a payment.
i then started getting these phone calls from Barclaycard where the staff were shouting at me down the phone and hanging up on me and all sorts. So I stopped my payments as they had not produced what I had asked for.
Now, Mercers Debt collections are phoning me about 4 times a day and sending texts to my mobile.
Barclaycard has since then, sent me a copy of their Terms & Conditions in February with a letter saying they are responding to my request. I wrote back and said that was not what I had asked for and last week I got a copy of a Credit Agreement, although it was not mine, it was just a print out of A credit agreement without a signature.
Now, yesterday, I got a letter from Mercers saying they were going to start legal proceedings against me. I have read a few posts on here and understand the account is now unenforceable unless Barclaycard takes court action. Is that what the legal proceedings are??
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.
Unenforceable Account, Is Court Next??
from Barclaycard where the staff were shouting at me down the phone and hanging up on me and all sorts. So I stopped my payments as they had not produced what I had asked for.
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