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.
Yes it is a termination letter. If they didn't issue a DN before they got Viking involved then that is unlawful.
What the exact stutus is depends on whether Viking have bought the debt or are acting on GE Money's behalf.
Steven
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My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
I think that Viking are inhouse too. After our GE Money claim we got a letter which is now a treasured possession - Firstly it had an account showing a zero balance and then a statement in red - "Viking Collection Services Ltd have been instructed to colect this debt". Priceless
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
I am sure CL Finance will come along and buy the debts off them.
What I cannot understand and this is just generally is why the likes of Apex and CL Finance who buy these debts don't check out the accounts first and make sure everything has been done correctly.
They must been losing lots of money when they find that they cant pursue the debt because of CCAs invalid, DNs invalid, just about everything invalid.
Apex bought one of our debts. We had already CCAd Halifax who sent us a blank agreement. Apex then said "we will check with our client to allocate the agreement".
I wrote back saying "I am sure Halifax would be willing to help but unfortunately as you bought the said account they probably have washed their hands and they conned you when you bought the debt in selling you a duff account I would suggest you actively pursue the 10% you paid to them".
Anyway thanks Steven for your help. Will post up if anything else arrives - probably a CL finance assignment letter.
GE Money - Is this a termination letter
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