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 was wondering if someone woud be kind enough to help me at all please, well i should say my father in law.
he has a car yard, and well tbh he isnt a silly man at all, but when it comes to technical stuff he isnt right up there in the world of knowledge tbh.
The reason i am writing to try and help him, is that he sells cars on some land that was owned by someone else who he paid rent to. Sadly the guy who woned the landhas passed on last week and now the father in law is going to wind up and enjoy life.
he isnt in debt, never has been and owes no-one a penny. BUT he is worried about a landline agreement which, tbh even has me puzzled. It seems a contract was issued by DIGITEL (digiteldirect.com) for a digital network and telephone system., a digital samsung display handset, a fax machine and a digital enhance cordless phone.
The totally mad thing is that the above website now directs to fabspider.com. His bills now come from them and he is paying line rental!!!!
The contract states that he is to pay £58 a month for all of that, but is to have free installation, free line rental, free broadband, ( he didnt know this until last week and never has had a pc-i do his pictures for autotrader at home)free fax machine, and £50 cashhback for 4 motnhs. The phoneline and calls are to stay with unicom who i believe he has now cancelled with and is now with fabspider!!!! The contract date of signing was 27/02/08.
My father in law though the term was for 72 weeks and not 72 months as it was always always his intention to retire in 2010 and therefore would not have run the risk of over comiting himself.
Now, on top of that, there is a direct debit form, for business equipment finance. My father in law insists he hasnt had any finance (and tbh i believe him as he pays cash for everything regardless how much stuff is) and well tbh, what has me worried is that the alleged signature from him on the DD form , does NOT match any of the others that are officially his.
The date of that form is 18/03/08:?
Now it appears from what i can see that all the equipment has come from Siemens on a hp agreement for all the samsung stuff listed above ie fax machine phone etc.
The £50 cashback for 4 montsh has never happened from what ic an see on his statementsand on 31st march 08 was billed £153 and he has no idea why or what for. It was paid by dd and then all paymenyt sto last month have been £58 as what has been described as FREE but then a finance hp agreement has been made.
Has anyone got any ideas as to what i can do for the father in law as he really does not want to be paying out another 58 month for the next 4 years, and especially as he has no business from next week.
A lot of info and a whopping mess. This firm made most of its money by promising telco services and arranging equipment which would be lieased to business users. This was because it is 100% reclaimable against business taxes, so on the whole it doesn;t come out of his profits, it is added to his running costs.
This will be a business arrangement, to there are lots of consumer law benefits that will NOT apply here - and on the basis of the minimum term mistake - as he's agreed to it, and signed for it it cannot be argued that it was thought to be 1.5 years and not 6 years duration. The issue of the direct debitsignature isn;t a real issue as he's not disputing he made the arrangement to pay for his services - he could just as easily cancel that, but he'd STILL HAVE TO PAY by a different means - cash, cheque or whatever.
The all important document is his service contract or contracts for the equipment and lines/broadband. Only by reading this and the T&C's he's agreed to, will you get a better idea of what these liabilities are.
Eurotel/Digitel/Siemens
form, for business equipment finance. My father in law insists he hasnt had any finance (and tbh i believe him as he pays cash for everything regardless how much stuff is) and well tbh, what has me worried is that the alleged signature
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