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, I have 7 creditors. I wrote to them in March to explain a change in financial cicumstances and I appointed a company to manage a debt plan. For 3 months that plan has been running smoothly and all but Egg accepted the plan (I don't believe Egg have even acknowledged it or my appointed 3rd party). So I was surprised to get home from work last night to a letter from Egg Credit Card to say they had been unable to contact me by phone (the only ones who didn't try I hasten to add!) and threatening legal action to recover the debt. Are these guys really, really stupid? I also have a loan with Egg managed under the same plan. I popped a 'secure' e-mail on and made reference to the fact that I had acted in a responsible and communicative manner throughout and from the outset but can see from CAG that they have a tendency to act in an irresponsible manner. Now, I couldn't resist but no doubt it will red rag time. But it was a useful way to intimate (in a non threatening way of course) that I know my rights! However, more of a concern is that there is no electronic capture of any payments - no activity on the account since May. I wonder does anyone have similar experience? I'm just wondering whether I need to go down the CCA route because I suspect this will run and run. BTW I was one of the 160,000 but the account still shows a credit limit, £5k more than the outstanding balance. Was this account terminated or not? I remember the letter but not the detail.
Hi, I have 7 creditors. I wrote to them in March to explain a change in financial cicumstances and I appointed a company to manage a debt plan. For 3 months that plan has been running smoothly and all but Egg accepted the plan (I don't believe Egg have even acknowledged it or my appointed 3rd party). So I was surprised to get home from work last night to a letter from Egg Credit Card to say they had been unable to contact me by phone (the only ones who didn't try I hasten to add!) and threatening legal action to recover the debt. Are these guys really, really stupid? I also have a loan with Egg managed under the same plan. I popped a 'secure' e-mail on and made reference to the fact that I had acted in a responsible and communicative manner throughout and from the outset but can see from CAG that they have a tendency to act in an irresponsible manner. Now, I couldn't resist but no doubt it will red rag time. But it was a useful way to intimate (in a non threatening way of course) that I know my rights! However, more of a concern is that there is no electronic capture of any payments - no activity on the account since May. I wonder does anyone have similar experience? I'm just wondering whether I need to go down the CCA route because I suspect this will run and run. BTW I was one of the 160,000 but the account still shows a credit limit, £5k more than the outstanding balance. Was this account terminated or not? I remember the letter but not the detail.
A standard trick is for Egg to say they attempted to call, etc. I have had such letters, also saying they emails, which never arrived. they are a combination of [problem]mers and stupid. Either way, I would always do two things:
Copy all secured emails, I just copy and paste into Word, both sent and received. Certainly send one pound and request a CCA, most seem to have big faults. Once disputed, they are not allowed to add interest or collect payments.
Egg Threatogram
. For 3 months that plan has been running smoothly and all but Egg
that they have a tendency to act in an irresponsible manner. Now, I couldn't resist but no doubt it will red rag time. But it was a useful way to intimate (in a non threatening way of course) that I know my rights! However, more of a concern is that there is no electronic capture of any payments - no activity on the account since May. I wonder does anyone have similar experience? I'm just wondering whether I need to go down the CCA route because I suspect this will run and run. BTW I was one of the 160,000 but the account still shows a credit limit, £5k more than the outstanding balance. Was this account terminated or not? I remember the letter but not the detail.
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Originally Posted by brokebutnotbeatn
