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.
The document you have signed contains all the prescribed terms - I would have to say it's enforceable. You may be better off sending them a letter to explain your circumstances. See HERE as there are a couple of template letters that you could adapt to suit your needs.
I am not an expert, but I can give good advice about Brighthouse
Am learning more and more about DCA's too
I have no legal experience and all advice given is based on the knowledge I've gained from this site.
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As advised by dvdriley - It depends on how many other creditors need paying (if any), but Payplan and CCCS are free, as are citizens advice. It is always something to consider if you feel you need further help.
I am not an expert, but I can give good advice about Brighthouse
Am learning more and more about DCA's too
I have no legal experience and all advice given is based on the knowledge I've gained from this site.
<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!
Hi, I'm going through a similar situation at the moment with Mint. I originally took out a credit card with MINT in Jan 05 and I did sign an agreement and they did supply a copy. However, they issued me with a new credit card in Feb 07 with a different credit card number and a new agreement - one that I did not sign . I read somewhere that a similar case was taken to court but was thrown out when the judge realised the credit card number had been changed.
Mint Credit Card CCA - Comments?
settlement of between 1% and 10% of the outstanding balance if it is unenforceable.
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I am not an expert, but I can give good advice about Brighthouse
