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.
Hello
Can anyone help to make asure I am going in the right direction please?
I have been writing to a credit card company for over one year now due to a change in my circumstances. I have asked them to freeze the interest (as suggested by the NDL) and offered to make small payments in order to clear my balance but i have had no written reply from this company, only continual letters chasing payment and increase interest charges (now 34.9%). I found some information on this site and wrote to them asking for a copy of my original CCA. After three months they sent me a signed copy of the front page of that agreement. Just before the copy arrived I sent a letter telling them of their default and that I would no longer be making payments whilst the agreement was in dispute. The copy of the CCA has not got all of the information on it and therefore I am assuming it is still unenforceable. The credit card company have continued to add interest to my account and have now sent me a letter stating at the top "Potential Commencement of Legal Proceedings". They have asked me to call them and told the my calls will be recorded. Am I still okay to explain that this agreement is still in dispute and does the law really proctect me from their threatening actions?
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
Posts
25,014
Re: Credit Card Agreement
simple ans is to ignore them now.
p'haps send the 'account in dispute letter'
but they can do nothing but send threat-o-grams now and they know it.
until a valid cca appears the debt is unenforceable.
now, how about reclaiming all those charges you must have been levied & also the associated interest!
and have you looked to see if you have PPI being charged< i bet all of those will return a pretty penny and might even clear the debt?
dx
GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
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
Thankyou for your quick reply. These people have been bullying and unhelpful for quite a while now and I am finding it difficult to come to a resolution. I've tried reasoning but they just want their money now and will not negotitate or settle for anything else.
I have attached a copy of the scanned application form they have sent to me when I requested my CCA. I have removed all of the detail I put in about myself but it was signed. Can you or someone tell me if this is enforceable or not. I think I've downloaded them correctly but let me know if you cannot read them.
Thnaks again! Info 1.jpg
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
Thanks again
Sorry, I don't know how to use photobucket. These people are ringing me tomorrow so they can decide how much I can afford to pay to them (so they say). Is it best that I type in the details from the application form or is there a better way? Is a signed application from a CCA?
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
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
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
Posts
25,014
Re: Credit Card Agreement
ppc it says it on the paperwork page two
payment protection cover.
are you paying it/
if so get it back!
there dont seem to be the usual crowd around this week.
i'll see if i can get this thread moved to the Abbey forum
or something to help
dx
GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
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
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
I'm pretty new to all this, but learning fast. What you have is an application form not a bona fide CCA. As they have let you miss payments for some time without setting a DCA onto you, my guess is that they know that they can't enforce the debt. Just tell them the account is in dispute until they produce a proper CCA signed by both parties.
Abbey Credit Card Agreement
(as suggested by the NDL) and offered to make small payments in order to clear my balance but i have had no written reply from this company, only continual letters chasing payment and increase interest charges (now 34.9%). I found some information on this site and wrote to them asking for a copy of my original CCA. After three months they sent me a signed copy of the front page of that agreement. Just before the copy arrived I sent a letter telling them of their default and that I would no longer be making payments whilst the agreement was in dispute. The copy of the CCA has not got all of the information on it and therefore I am assuming it is still unenforceable. The credit card company have continued to add interest to my account and have now sent me a letter stating at the top "Potential Commencement of Legal Proceedings". They have asked me to call them and told the my calls will be recorded. Am I still okay to explain that this agreement is still in dispute and does the law really proctect me from their threatening actions?
Reply With Quote
