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 everybody,i asked moorcroft for a cca after they refused a drop in monthly payments and after 12 working days and a further 36 calender days they sent me this http://i80.photobucket.com/albums/j1...y1977/cca1.jpg
The cca was on 2 sheets of paper and had nothing on the back
Is this enforcable? and i never agreed to payment protection either!!
Is it best to do a Subject access request now and see what the debt consists of (i.e unfair charges etc) or did the law change regards them commiting an offence after 42 days?
I'm afraid (b) - (the offence) no longer applies (this was scrapped in the last Credit Act amendments)....as they have supplied the agreement they are no longer in default of your request. Did you see this ? - http://www.consumeractiongroup.co.uk...ents-what.html - Did you ever receive a default notice ?
PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.
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IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU
I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.
Before you decide,consider the users here who have already offered help and support.
Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.
If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.
Well i just sent Egg 2 claims for my loan and credit card PPI by recorded delivery (i was never asked if i wanted it) and for good measure sent the letter i uploaded to moorcroft as well(2nd post)
Im sure I received a default notice
If moorcroft have provided the correct cca do i arrange to pay what i can afford or ask egg (the original creditor) for a Subject access request so i can see what the debt consists of.
Im concerned a large chunk is for late payments but question is do i have to keep up repayments until the subject access comes through as its in dispute?
Reading other threads it seems the original default notice is important so im going to dig it out for the Egg card and loan and see what you guys think.
Ok Update!
Today i got a letter off moorcroft acting like im a new debt!?
No mention of my previous letter just asking me to pay the full amount within 7 days or to ring or write to arrange a way to pay?
Im currently trying to reclaim missold PPI direct from Egg but how do i respond to moorcroft?
Do i ask why ignored my letter saying they are in breach regards the cca request or go down Subject access request route?
The letter is pre court division and they say they're agents of egg,so do egg provide the Subject access request or them?
Help!
Urgent Help Needed Moorcroft/egg Cca
now and see what the debt consists of (i.e unfair charges etc) or did the law change regards them commiting an offence after 42 days?
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