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.
Hi hammyhound
Im new to this as well but these look like applications to me. someone who has knowledge of this will come along and give you better advice. Keep coming back and if you get no answers then bump the post up. I noticed on the 1st one you have ticked for PPI so it might be an idea to find out if you was missold this.
Would you believe it it was them that ticked the PPI afterwards as OH said he did not want it. It is not his initials it's theirs!!!
We did immediately cancel it when we received the first statement so no PPI on this.
I think these application forms are designed to confuse you though. It does say credit agreement and we were allowed temporary cards in store at the time till the new card came.
OK, first, you'll want to ask them next time they call to stop calling you and request all further correspondance to be by mail only, without a paper trail you can't prove anything they claim unless you record all calls, and even that can be spurious.
After that, if they continue to call, send them a harrasment letter telling them to stop all telephone contact or you will report them to Trading Standards etc al (There is a great template for this on this site).
Once that is done, all correspondance will be via mail and you can negotiate with them that way. Take the time to run through a financial sheet for yourself and your OH to find out what you can reasonably afford and offer it to them, informing them that this is what you can reasonably afford to repay. They might well refuse, but tough luck to them if they do. If you have it in writing that you are offering them payment, and they write back refusing it, you have evidence of this. In the event they DO reject your offer, write back and inform them again that that amount is what you can reasonably afford to repay and you will be placing that money aside every month for them until they agree, at which point you will forward it to them.
Remember to keep copies of all this so you have evidence of your financial sheet, your offer, their refusal and your informing them that you will keep the money aside for them. They're sure to be stubborn about it, but at the end of things, they can't get blood from a stone, and you are not refusing to pay them. If they chose to take it all the way to court, you have evidence if needed of your offer etc, and all that will happen is that the courts will judge your circumstances, see what you can reasonably afford to pay, and allocate them that much anyway, which, if you complete your financial sheet thoroughly and honestly, will be the amount you originally offered anyway.
Basically, just keep offering them the amount that is reasonable for you and put aside the money every month they don't collect it, and wait for them to come round.
Unemployed for 225 days, 32 weeks. Here's praying I find work before 40 (at this rate before 40 years old, not 40 weeks :s)
vs Capital One: CCA req sent 6/7/09. No reply
vs LTSB Credit Car: CCA req sent 6/7/09. No reply
vs LTSB Loans: CCA req sent 6/7/09. No reply
vs Marehill Finance: CCA req sent 6/7/09. CA recieved 10/7/09
Well one of them has £300 in default charges as they kindly sent us statement of accounts.
So despite having an arrangement set up originally and the balance then was only £200 we are now back to where we started - interest is also being added on.
Response to Request for CCA GE Money
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