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 away in Scotland at the weekend, and i've just found out my husband didn't make payment to brighthouse on Saturday.. I have just rang them up and asked for a re-write and i was told no chance as i do not have OSC..
Where do i stand with this??
Im now expecting a couple heavys at the door as i can't afford to make the week + an extra week payment.. The items we have are not "luxary" apart from the wii which i am dumping on the desk next time im in town..
When this happened to me, I just went in regardless, paid the one weeks amount (which they put in the yellow money ) then went back on the Saturday and made another payment.
They then could not say I had not paid them - if they didn't take it off the agreements, then that was not my fault
Also, you don't need OSC for a re-write. However, as you are only one week late, it's not really worth the hassle of the re-write. Just do what I have suggested. They may well refuse to take the money off the agreements, but they wont refuse to put it in the yellow money
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!
And I was also going to say that they will rarely do a re-write when an account is less than about 3 weeks late.
If you can return an item to reliee the debt then great.
More importantly though, if you do make a payment but they refuse to pay any of your agreements, instead putting it into yellow money, then do 2 things:
1) KEEP THE RECEIPT as this proves you went in on that day
2) TAKE THE CASHIERS NAME which will scare the smelly stuff out of them!
Doesn't hurt!!
PJ
PlumberJon
UNUS VIR OBVIAM ORBIS TERRARUM
Are you being harrassed by a DCA or Brighthouse. Click the link for OFT Debt collection guidelines. Chances are, they could be in breach of some part of sections 2 or 3 or both!
just wantto add something im in 5 weeks arears and when i went in to pay in the yellow money they told me they had stopped the yellow money dont know if they was lying but they said they stopped it last month
i went to legal aid and they did a three way telephone call to bright house and i ave been quite lucky they ave done a rewrite on my account took all the arrears off and as i can not afford the weekly amount any more we came to an agreement that i took one of the items back which i didnt really need and lowered my weekly payments from 72 pounds to 30 pounds and extented my agreements thay would not do this before but legal aid informed them they was not to cum to my house and take anything as i was willing to pay some thing back and she told them that if they did not accept the 30 pound a week she was going to apply to court for my payments to be lowered so they accepted my offer and all the late charges was to be wiped off my account
i would advise any body to phone legal aid up have them in on the conversation as they seemed to b more helpful in that way it shows me that they can help u but just dont want to unless u have somebody to back u up who knows ur rights #
and thank you clemma for all ur advise it was really helpful and u put my mind to rest thanxs
OSC and re-writes
Reply With Quote
) then went back on the Saturday and made another payment.
