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 recently requested my credit report from Experian to see who bad my debt was, and why i could'nt get any credit. On review, i think the reason is obvious. I have never had a default before, and normally maintained my accounts in good order(well missed a few payments here and there, but no ones perfect) and found 3 defaults in one month!!! Couldn't believe it. I've moved loads over the last two years and obviously not been paying the right attention.
I have two big questions to ask...
1) Two of the defaults refer to store cards taken out in arround 2002 when i was actaully only 17. They used my solo card to validate my application. Is the account enforcible? and is it a breach of the consumer credit act to engage in a contract with a minor? also, if the contractor is in breach, can i make the creditor remove the default? i don't have an issue with settling the debt, well alittle, just really need to get the defaults removed. Any idea's/responses would really be appreciated.
2) The last default is for a tv rental contract in late 2007. Im being chased by Credit Security Ltd for the debt, which is only a few hundred pounds. So far i have contacted the rental company and offered to:
-settle the debt in full with one payment in a weeks time if they will totally remove the default from my report(not just change it to satisfied).
They advised will consider and advise within a week.
Any help or advise would greatly be appreciated.
Also, as a claim handler for an insurer, more then happy to provide advise(morally correct of course lol) to any one that needs help.
All the best and hope to speak to someone soon.....
Thanks Brindle for the link. Good info, but read already.
Looking for help in regard to enforcement of CCA's against people if the contract was taken out with a minor(17yrs) and if accepted, that the CCA is unenforcible. Also could be default be removed ???
Removing defaults -Can it be done.
Reply With Quote
