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 am in the process of disputing my barclaycard contract which I have had for over ten years. I have been taking the steps as detailed in this forum and others.
1) requested copy of signed agreement for barclaycard
2) after not receiving the agreement sending a second reminder
3) after receiving the terms and conditions (but not relevant to my agreement), i then sent out a SAR
The stage I am at now (after the usual calls on a regular basis from BC, updating my credit file with missed payments, attempting to have the derogatory info removed with no success) is that Mercers have contacted me via text message on my mobile phone and a letter stating possible court action if no payments are made. I have not received my information request yet and the SAR was sent last week. They must have received it hence the attempts and threats of legal proceedings.
Any information on what my next steps should be is very helpful. Have so many ideas blowing around in my head at the moment and am in need of excellent advice additional options.
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.
errol187 v barclaycard
(but not relevant to my agreement), i then sent out a SAR
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