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 have an old HSBC debt which is now with a solicitors/collection agency.I have paid £90 pcm for many, many years on the debt and have reduced it from 12k to £2800.
I have scanned the letter I received from them today in regard to my cca request.I hope my scan is clear enough.
Any advice welcome....
PS credit card reclaims - claimed ALL charges and interest from MBNA and Natwest and upon my 2nd letter declining their paltry offers they gave in and both paid ALL the fees back with interest.
Could you upload using photobucket or similar please?
Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.
1. Write & tell them you know this debt is unenforceable as they have no agreement & suggest (a) they wipe it off & remove any defaults from your file or you will take them to court to get it declared unenforceable plus claim all interest paid to date on the loan (which will cost you time & a little money for fees etc. but should be reclaimable against DG)
2. Put the account in dispute based on the above, do nothing & wait for them to take you to court or 6 years to expire. However they will def. default you, which if you have been making regular payments thus far, could affect your credit rating substantially in the next 6 years.
IMO, I would take (1) but you will have to do considerable research to press the case home if it goes to court.
Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.
Ermmmmm......the debt would still exist - it's just unenforceable in court.
I stand corrected, slip of the fingers.
However I did go on in that post to explain how to ensure the debt remains unenforceable & therefore only has to be paid if the OP so wishes.
Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.
CCA request,no cca on file! HSBC
debt which is now with a solicitors/collection agency.I have paid £90 pcm for many, many years on the debt and have reduced it from 12k to £2800.
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I am not an expert, but I can give good advice about Brighthouse
Originally Posted by foolishgirl
