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 have been reading the informative forums for a few days now. I was recently made redundant as a self employed sub contractor. I have had to cancel most of my direct debits for credit card payments and 2 unsecured loans. Most of the cards were applied for years ago (8+) The loans are more recent 4 years and 1 year.
I intend to start with letter 'B' - Ask your creditors to accept pro rata offers of payment on your debts
"Dear Sir/Madam
"Re Account No/Reference No:− 000000000000
Since making that above agreement with you, our circumstances have changed.
We cannot now afford to agreed monthly payments because ..."
I'm worried by stating the bold part above, I will be acknowledging the agreement and this may cause problems when I reach the CCA stage. Should I leave the template alone or amend to..
In reference to the above account number, please be advised in the past month our financial circumstances have changed.
a good way forward could be to send a SAR and get all documentation and statements for each card, this does cost £10 but then you can see if they have applied any charges etc. and also makes them send you the agreement if it does exists
PGH7447
Getting There Slowly
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Advice is given freely but is in no way meant to be taken as Gospel
Letter writing
as a self employed sub contractor. I have had to cancel most of my direct debits for credit card payments and 2 unsecured loans. Most of the cards were applied for years ago (8+) The loans are more recent 4 years and 1 year.
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