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 took this flexible loan out in August 2002 and much to my surprise have found my original copy of the letter and agreement (I've even kept the DDM and prepaid envelope), which I have attached, with possible identifying data removed.
Does this look unenforcable in any way? These have gone from being nice and understanding, to absolute bar stewards to being nice again. I have no doubt they will get nasty again before long so if I can prepare myself, then I'd like to be ready to fight back.
I can confirm the agreement is two sides of one piece of paper, though whether they have it in this format is another matter
“Bankruptcy is a legal proceeding in which you put your money in your pants pocket and give your coat to your creditors” - Joey Adams
This is the same document that most of us have received back after CCA requests. Whether its enforecable of not is (in my opinion) still up for discussion. The problem is these "flexible" loans are a law unto themselves at times. I've tried getting the same document checked but the company couldnt help due to it being this "flexible" loan thingy.
If you have better luck be sure to come back and let us know!
Cahoot Flexible Loan
), which I have attached, with possible identifying data removed.
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