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.
If you stop the pay'ts, they'll start hounding you. Are they happy with the token pay'ts at the mo. If so, and the pay'ts are low, may be best to keep them up if you can.
If it's a real struggle, stop the pay'ts and send them the Account in Dispute letter (which they'll ignore or disagree with).
You can reclaim all penalty charges whether they have a Credit Agreement or not.
They won't send you the agreement in response to a CCA request.
Read about the CPR Strategy in Link No2 in my signature below.
Read as many threads as you can in the BC forum - you'll learn loads.
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.
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.
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