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.
Carry on ignoring. debt collectors have no powers whatsoever to collect anything, or take you to court, or interfere with your credit rating. If they claim to be able to do so, they're lying.
MBNA - Agreed to refund £970 in full without conditions. Cheque received Sat 5th Aug.
Lloyds - Settled for an undisclosed sum.
My solicitor-friend advises sending a single letter denying the claim and ignoring all future correspondence. I'm tempted to do that, even if it means opening more letters (they can write until they have run out of stamps as far as I'm concerned)
The "debt collector" is probably the same person who sent the original "invoice", sitting at the same desk in the same office. All he has really done is change the letterheaded paper in the printer!
Update on PCN
agency.
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