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.
also useful is the letter sent to all lender CEOs ...
Annex A pages 4-5 are particularly useful as it states the steps a lender must (a rule) carry out regarding mortgage arrears and repossession. I can see from reading this that my bank, a mainstream high street lender, has not carried out most of the steps stated, especially the sending of a list of arrears charges incurred etc. and i suspect others may be the same. Previously i have had to pay arrears and legal charges as part of the total 'arrears' and this was wrong.
New Report on Mortgage Arrears
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