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 have missed 6 months payments and offered to pay a lower amount this was refused by Barclaycard and they passed my account onto Calder Financial. Who wrote to offer me a lower Full and final settlement offer ( no mention of money)
I wrote back offering a low settlement figure but am still waiting to hear. In the meantime I was paid a small bonus from work and on checking my bank today Barclaycard have taken £350 from my account (more than my bonus). I ma so confussed as to what is happening.
I bank with Barclays and I know they can take money but why take money I need without even telling me. The amount they have taken is the same as the arrears on the account so does this mean they are no longer offering me a settlement?
You've become another victim of the bank's Right of Offset, whereby Barclays PLC can take money direct from your bank a/c and use it to make up the missed BC payments.
You can assume that Calders will forget about accepting any F&F settlement now the a/c is back up to date. However, the process will start over again if you miss any more BC pay'ts.
The only way to avoid this is to open a bank a/c elsewhere so BC cannot offset like this again.
Have you reclaimed any penalty charges on the BC account over the last 6 years.
Also, have you suffered any default charges on the bank a/c.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Barclaycard / Calder Financial Debt HELP
settlement offer ( no mention of money)
and I know they can take money but why take money I need without even telling me. The amount they have taken is the same as the arrears on the account so does this mean they are no longer offering me a settlement?
Reply With Quote
