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 had debt with Halifax, The debt was sold to Capquest in 2007. I requested CCA gave them the 12+2 days. They wrote back with the signed original agreement. HOWEVER they did not comply with my second request being the Default notice, as I requested a copy of this also!
Have they defaulted now, seeing as their 12+2 days has gone and they have still failed to produce a copy of the DN?
What shall I do? Should I write to them, if so what shall I say, is there a template please. Please be kind enough to reply asap as I have to reply quick.
Hi,
You will be very lucky to get a copy of the DN. They try to say that they don't need to send it again just that it was sent. Just because they haven't sent the DN doesn't make them in default however, does the "agreement" they sent comply with the regulations?
does it have :
APR
Credit Limit
Repayment terms
If not, it could be unenforceable
If you are asked to deal with any matter via private message, PLEASE report it.
Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor
Hi,
You will be very lucky to get a copy of the DN. They try to say that they don't need to send it again just that it was sent. Just because they haven't sent the DN doesn't make them in default however, does the "agreement" they sent comply with the regulations?
does it have :
APR
Credit Limit
Repayment terms
If not, it could be unenforceable
No it does not! It's an Application form. They are so silly! I need to disput this by a disput letter right?
If you are asked to deal with any matter via private message, PLEASE report it.
Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor
Shame about the scanner. As the arguments with you and Capquest begin, they will send all sorts of letters which, if you had a scanner, would help us help you.
How about a digital camera??
If you are asked to deal with any matter via private message, PLEASE report it.
Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor
CCA Request not complete!
, The debt was sold to Capquest in 2007. I requested CCA gave them the 12+2 days. They wrote back with the signed original agreement. HOWEVER they did not comply with my second request being the Default notice, as I requested a copy of this also!
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Originally Posted by silverfox1961
