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.
Yes it is likely to concentrate their mind a little if they are not holding any of your money.
The problem with the banks is that they are holding your money, they know they are getting more of it paid in every month and they know what an upheaval it is to change banks and have transfer DDs, get new cards etc.