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 was told today to log on the website of my local radio station as apparently they can have all your debt wiped off credit cards that you may have attained before 1st Arpil 2007.
As I have several and have been to the CAB to arrange payments for my creditors, I logged on to see if this was right and what it was all about.
This is what it said.... FACT... if you have a credit card issued before the 1st of April 2007 you may be able to...
Claim To Cancel Your Credit Card & Clear Any Outstanding Balance On It
Did you know that credit card companies have cancelled credit cards and cleared debt as a result of unenforceable and fundamentally flawed agreements?
If a credit card contract is found to be unenforceable you may be able to...
Claim to cancel the card and clear any outstanding balance on it
An initial conversation with one of our local representatives is at absolutely no obligation.
After reading I clicked on the link which went on to explain terms and conditions for the provision of services, and reading through it I noticed that they want £495 as a review fee and a further 30% of any claims that maybe successful.
I am a bit concerned that people maybe tempted to go along with this and wanted to make you aware that this advertisment is out there. I was tempted to log on in the first place thinking this might be an end to all my debt problems, but I cant see that it would be that simple, am I right to think this????
Ok,
Been reading up on this wiping off debt etc and come across several threads on this site about unenforcable cca.
Firstly, I have several credit cards debts, which are now in the hands of various collectors and I have been to the CAB who have arranged for me to pay back the minimal amount, which will probably take me the rest of my lifetime.
I have already claimed back the unfair charges on them all, and now curious as to how I go about finding out if there are any loopholes that may mean I can wipe these debts off completely.
I think I get that I have to write to the people who own the debt and request the CCA along with a £1 postal order, but where do I find the template letter to enable me to do this?
Also, judging by what I have read, I can probably not hold out much hope of actually recieving the CCA. If this is the case what happens then???
Any links to further information would be much appreciated.....thanks.
PS. I also have county court judgements for loans and credit cards - can i also do the same for these??
These "We'll get your debts wiped" firms have been out there for quite a while. There's nothing they can do (for their hefty fees), that you can't do for yourself (for free).
This is to get a copy of your credit agreement with the creditor, so you can check it (or have it checked by those here that know what to look for) to see if is valid and enforceable.
If it's not valid, or if they fail to provide the agreement within 14 days, you can stop paying until they do produce an enforceable agreement. The creditor is still likely to chase the debt and may take you to court. But without a valid agreement, they stand a good chance of losing and the debt will then be unenforceable.
All fine in theory, but now BC and some companies are side-stepping the CCA request by sending back a copy of the a/c T&C's, arguing that this fulfils their obligations and they can continue to pursue the debt.
For this reason, the CPR strategy is now being used and, just today, user smt37 had success in court when BC were ordered by a judge to provide the agreement. Read here - http://www.consumeractiongroup.co.uk...ml#post1778102
The thread about the CPR strategy is in my signature below at Link No2.
If you read threads in the forum for each credit card, you'll see if a CCA request is likely to work or not. If not, as with BC, use the CPR strategy.
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.
Is This True??
for the provision of services, and reading through it I noticed that they want £495 as a review fee and a further 30% of any claims that maybe successful.
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