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.
My current situation is one that involves debts with several credit card companies. GE Finance is one of those companies, and I have tried to include as much information about my situation as possible.
Debenhams (Store Card) (GE Money)
The original agreement began around 2006 and in January 2007 CL Finance Ltd wrote to instruct me they were now the owners of the £850+ debt. After written communication we reached agreement on very small monthly payments via standing order. Our payments were then reduced to £1 pcm in 2008, after facing further financial difficulties, and have remained consistent since. Having recently learnt that some credit card debts could prove unenforceable, I'm now considering writing to request copies of the original CCA's, in the hope that they may prove to be exactly that.
Before I go any further, can anyone advise me who I should contact on this occasion. Should I write to GE Money instead, and will this harm the existing agreement? Do you have any templates that I could use, and do I need to send any money along with each letter?
Here is a link to a CCA request letter. You need to send a £1.00 postal order with each request. The company has 12 working days + plus 2 for posting (14 working days) to comply with your request.
Normally you would send the request to the Original Creditor, but you say that GE Money has assigned the Debenhams account to CL Finance so in this case, send it to CL Finance.
When / if you receive a copy of the agreement then post on your thread and someone will advise further.
If you have accounts with other Creditors, then start a new thread for each one so that you get proper advice on each situation.
1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -HERE
2: Take back control of your finances -Debt Diaries
3: Feel Bullied by Creditors or Debt Collectors?Read Here
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.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
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.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
Debenhams CCA Request?
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