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 have a Barclaycard which had a credit limit of £800, I have always made my payments and paid more than the minimum payment required.
6 months ago they wrote to tell me they were reducing my credit limit to £600 as a result of a search of my Credit Reference Files. Why they did this I don't know. I complained but it made no difference.
I have continued to make more than the minimum payment since then and yesterday I received another letter saying they have searched my Credit reference Files again and have reduced my Credit Limit to 500.
I am fed up with them. I know they can review credit limits at any time, but I want to know why they are searching my Credit Reference Files every 6 months.
I have two defaults which I am hotly disputing at the moment, One is Wescot and the other one Aktiv Kap, they have no CCA's and it is almost a year since I asked for them.
I have a Barclaycard which had a credit limit of £800, I have always made my payments and paid more than the minimum payment required.
6 months ago they wrote to tell me they were reducing my credit limit to £600 as a result of a search of my Credit Reference Files. Why they did this I don't know. I complained but it made no difference.
I have continued to make more than the minimum payment since then and yesterday I received another letter saying they have searched my Credit reference Files again and have reduced my Credit Limit to 500.
I am fed up with them. I know they can review credit limits at any time, but I want to know why they are searching my Credit Reference Files every 6 months.
I have two defaults which I am hotly disputing at the moment, One is Wescot and the other one Aktiv Kap, they have no CCA's and it is almost a year since I asked for them.
What are Barclaycard playing at?
They see the defaults and calculate that your a risk, if you have defaults then this is the way credit is going to be for the future any existing creditors will get nervous seeing defaults
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Barclaycard squeezing me out
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Originally Posted by hme.4x4
any existing creditors will get nervous seeing defaults