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
I am looking for some advice. I have a Barclaycard which I have fallen into arrears with. It has got as far as Mercers debt collections. After endless phone calls to my mobile, home phone and finally workplace I advised them that I could not afford to meet my minimum payments. They advised me to contact CCCS which I did and I contacted Mercers to let them know that CCCS have advised that I pay £50.00 a month. They totally ignored my letter and within a week I have had a letter to say that my debt is been passed to a debt collector, another letter to say contact them urgently and the last letter today reads:-
We are notifying you that we have exercised our legal right to set off the arrears owing on your Barclaycard account against the credit balance in your Barclays Bank account.
As Barclaycard is part of Barclays Bank we are able to apply funds from your Bank account in order to pay debts owing to Barclaycard products.
Your credit reference agency data will be updated accordingly.
They have advised that they are taking £141.32 out of my account.
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
Barclaycard
to my mobile, home phone and finally workplace I advised them that I could not afford to meet my minimum payments. They advised me to contact CCCS which I did and I contacted Mercers to let them know that CCCS have advised that I pay £50.00 a month. They totally ignored my letter and within a week I have had a letter to say that my debt is been passed to a debt collector
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