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.
Sorry to double post, but my other thread is not receiving much attention in the Welcome Finance sub thread, and I could do with some assistance in helping my house mate with an issue.
I've copied and pasted from my original thread below:
--
Hi All.
Posting this thread on behalf of my housemate.
He defaulted on his loan with Welcome Finance around six months ago and has been having difficulties with them ever since.
He is not currently making any payments towards the outstanding balance and a CCA request has been sent, and a valid CCA returned. He also has an original copy of the agreement anyway.
He sent them a letter previously stating that he requires all communication to be in writing and further stated that their behavior was paramount to harassment.
They have visited the property on three occasions now asking to speak with him, they have also levied a variety of charges on this defaulted balance.
They have also previously started legal action, to which he was going to defend based on the charges, they then dropped the claim.
More recently this was received through the door:-
Update: Welcome Finance today called him at work demanding repayment.
Is the best course of action to complain to the OFT, then send an harrasment template letter to Welcome? They have also advised him that they are charging him £10 per phone call they make.
Is it worth doing a SAR and going down the reclaiming charges route?
Update: Welcome Finance today called him at work demanding repayment.
Is the best course of action to complain to the OFT, then send an harrasment template letter to Welcome? They have also advised him that they are charging him £10 per phone call they make.
Is it worth doing a SAR and going down the reclaiming charges route?
Hi
You say you have a valid CCA and the original. It would be worth posting them here, minus any personal or otherwise identifiable info. Welcome agreements often fall well short of required standards.
It would probably be worth moving back to the Welcome threads - there are some extemely knowledgable people there who will be able to provide a great deal of valuable help.
Housemate vs Welcome Finance II
Reply With Quote
Originally Posted by sgx.saint
