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 i sent barclay credit card a cca request they just sent terms and cond i sent them a budget sheet and our out goings and what we could afford to pay they have ignored all letters that i have sent even though they were recorded they still wont freeze intrest or accept the payments we have left what do i do please help
Have you checked to see if there are penalty charges on the a/c. BC will repay these quickly and this could help reduce the a/c balance.
You'll see the majority of BC threads are about users trying to get sight of their credit agreement. Read through some of them and you'll see what action others are taking.
Read the CPR thread at Link No2 in my signature below.
If they ignore your requests to accept lower pay'ts, stop paying or pay what you can. They'll start harassing you but this is unavoidable.
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.
I was in the same boat.. I sent a letter direct to the CEO @ Barclays and they confirmed in writing that as long as I paid more than 1% of the balance they would allow a six months interest freeze and reduced repayments.
So far so good.
Address I sent to:-
John Varley
CEO
Barclays Bank PLC t/a Barclaycard
1 Churchill Place
London
E14 5HP
IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.
what now help
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