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 everyone,
I have been looking through this great site and had no idea that unenforceable CCA's were even an issue. I recently lost my job as a self employed floor fitter and firmly place the blame at the Bank and Governments feet. Most of my work was for new house builders who now have no work at all, due to the fact that people cant afford houses any more, due to the banks awful management.
Me and my other half have 4 credit cards (2 with Barclays) all issued years ago and we would very much like to get the balances wiped off, if possible along with all charges and interest returned. We have started the ball rolling with our current accounts and would like to do the same with our credit cards.
My question is, should I start the unfair charges route first or just request our CCA's and see if they are enforceable?
I also took out a Resolve loan with Barclays to clear a student overdraft and know that I didn't sign anything at all. Is this enforcable?
I know the info is probably here somewhere but cant seem to find it.
Any help is most appreciated?
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
Reclaiming CCard charges is quite simple at the mo. Read the Reclaiming Guide at Link No1 in my signature below.
If you want to claim interest at the contractual rate, BC will not repay voluntarily and you'll have to take them to court.
Start a thread for each card account in the appropriate forum. Use this thread for one BC a/c but start another if there's a 2nd BC to deal with - that way the cases won't get mixed up.
Spend some time reading threads in the forums that concern you - you'll learn lots v quickly. Then come back with any Q's.
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.
Unenforceable CCA?
) all issued years ago and we would very much like to get the balances wiped off, if possible along with all charges and interest returned. We have started the ball rolling with our current accounts and would like to do the same with our credit cards.
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Re: Unenforceable CCA?
