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 3 defaults on my credit file, where I have had no contact from the companies in question and don't know anything about the debts, either.
Is there any way to get these companies to prove that I am liable, and explain why they have put these defaults on without even asking for payment or warning me in the first place? or is there a letter template I could use?
Ideally, I want them removed!
I have 3 other defaults, which I have paid completely, is there any way to have these removed now that they have been paid in full?
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
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Re: help! very stressed with defaults!
it is rare that co's will removed defaults even when the debt is settled.
you can ask, but i doubt it.
as for the others that you have no knowledge of.
the co' that placed them there should of or have the correct paperwork before they put it on.
so if you were to CCA them & it came up they don't have your agreement, they should NOT be processing your data.
again you can write and demand it be removed, you can also write to the CRA and pointout the fault in their data, they SHOULD check whomever wants the default placed on your file it legally allowed to do so.
again you might bget some luck in them removing it for you.
how long have they got to run before they fasll off.
dx
GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
7. Thinking of a Full & Final Settlement?Read Here
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I would write a letter to the CRA and demand they remove them as they are nothing to do with you.
The three you know about, there's not much you can do as they're settled but the three you know nothing about have to be removed as you could sue the companies that put them there.
fox
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Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
help! very stressed with defaults!
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