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.
LOWELL FINANCIAL sent a letter received today stating,
"After liaising with Shop Direct in an effort to obtain this document we have been advised that it is no longer available due to the length of time since the account was opened with you"
"At this time we have closed our file and will not make any further contact with you concerning payment against this account unless the copy agreement is received at some point in the future from Shop Direct"
Now, both Shop Direct and Lowell have issued defaults against me !
How do I close this matter and remove the defaults against me as it appears they have been chasing me and adding penalties, issuing defaults on an account that is totally unenforceable !
Do you have all your stataments? If not, you should get them and start a claim for return of all the charges and rempval of the defaults. Eventually they will offer to settle and pay the charges back if you stick to the tried and trusted CAG method. However, do not settle unless the settlement includes default removal.
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Hi Steven, sorry to sound ignorant but what is the best CAG method ? What letter should i send next ? I know what I need to say but its the wording and legal side that i'm unsure of ! Any ideas ?!?! oh and thanks for your help so far !
1. send them a preliminary letter asking for the money back and give them 14 days to reply
2. send them an lba giving them 14 days or else you will take them to court
3. take them to court
4. put up with loads of drivel from them before they settle before any court date
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
'we have noted your comments and can advise that all the relevant credit referencing agencies have been contacted to remove this incorrectly recorded default from your credit file. Please be advised this may take upto 28 days to show on your file'
proudtobegerman 1 - creditors who act incorrectly and unlawfully 0
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Shop Direct And Lowell Financial *** WON ***
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