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 wrote to Natwest asking them if they would accept a F&F and i got the following response from them today:
Dear Sir
Thank you for your letter dated 9 June 2009, the contents of which have been noted.
It is not the policy of NatWest to accept f&f payments of less then the balance owed as it is felt that this encourages the misuse of credit facilities.
However, after carefully considering the information provided, I am prepared to accept £600 as part payment; monthly statements will continue to be sent for the remaining balance and payments must be received by the due ate quoted on the statement. If you are unable to maintain payments on the remaining balance, please contact us to agree a suitable repayment program.
What is the next step? I was planning to send a letter asking to freeze interest. I clearly stated in my letter i will not be able to make any payments from next month as i will be out of work.
If i am unable to find work in the field in which i am looking for 2 months after finishing work and am considering looking abroad for work.
Should i mention that in my letters to the creditors in regards to the f&f payment?
Nah i haven't. I did do that for my Lloyds card but that was not enforcable.
I will wait for their response and then may do so.
Though i plan to inform my creditors i am planning to relocate abroad.
NatWest Letter
asking them if they would accept a F&F and i got the following response from them today:
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