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've been checking out my credit file and spotted two search entries relating to "outstanding debt". Apparently this is visible for two years to any lenders checking my file! - Can someone confirm this?
Most people here say to dispute them with the CRA - Is there a standard letter for this? Is there a specific reason I should tell the CRA I want to do it?
It seems then reccomended we ask the DCA for copy of original T&Cs, Signed Agreement etc - Is there a standard letter for this?
I know this comes later once Ive received the responces but im interested what heppens next...
If I prove they are unenforcable debts and the searches have taken place after the 6 years passed by does that mean I get the entries removed from my file? If yes then how should I write to the CRAs to request this? Does anyone have an example letter for that?
Searches
for copy of original T&Cs, Signed Agreement etc - Is there a standard letter for this?
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