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.
Hi i have a credit card with this lot but not paid on it for a while it has a balance of £1400 over the last year they have not added any interest, looking on expirian barclaycard is on there and also HFO sevices ltd for the same debt, HFO have put a default on this account but barclycard havn't, not heard anything from either of them but that could be because i didnt tell them i had moved, since i cleared the welcome finance debt i want to clear the rest i owe but dont know wether to contact them via a cca request to see if they have a cosha agreement and see what charges have been put on it, and if so do i send it to barlaycard or HFO.
thanks for looking
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
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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.
Hi just an update on this, looking at my experian report i have this HFO services entering data on this account aswell as barclaycard is it right they can both do this? or should it be only one dealing with it?
You didn't say if there are any penalty charges on the a/c - if there are, the negative markers on the a/c will be inaccurate and this should enable you to challenge the entries.
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.
You didn't say if there are any penalty charges on the a/c - if there are, the negative markers on the a/c will be inaccurate and this should enable you to challenge the entries.
Hi i have no idea about added charges yet as they didnt send a break down or full statement, just a balance of the account.
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.
Hi i sent a CCA request on the 29th of april to barclaycard to date i have heard nothing from them via post not even to confirm they recieved it, the only thing i have heard was through experian as an alert that barclaycard had noted a dispute by the customer on the account.
When would the 12 + 2 days be up i worked it out to be the 19th may is that correct. ta
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 problems
, looking on expirian barclaycard is on there and also HFO sevices ltd for the same debt, HFO have put a default on this account but barclycard havn't, not heard anything from either of them but that could be because i didnt tell them i had moved, since i cleared the welcome finance debt i want to clear the rest i owe but dont know wether to contact them via a cca request to see if they have a cosha agreement and see what charges have been put on it, and if so do i send it to barlaycard or HFO.
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Originally Posted by slick132
