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.
has anyone else expereienced the same problems i am having with one creditor - Welcome Finance.
i have sent proposals to my three creditors with a personal budget sheet and two of them haven't given me any problem with the information provided.
Welcome Finance however is another matter. they want every bit of paperwork to back up claim as they believe my calim is fraudulent and i have been economic with the truth and being in the job i am i should be more honest with my figures.
i checked page 34 of the national debt guidelines on how to fill this andit says it is acceptable for creditors to demand pay slips and letters from other creditors but not to the extent of where they want absolutely every bit of paperwork i have as this will not be asked for in court.
i also sent a cheque for the monthly figure i have set out in the dmp and they cashed the cheque and have said i still need to make the remainder of this months payment - less the amount for the cheque.
I think they are being totally unreasonable. any thoughts or advice would be welcome.
Doesn't matter if your're paying them, i'm on a debt managment plan so they all get a certain amount each month and have asked all mine for a copy of the agreement, i know for a fact 2 or 3 of them dnt have them and waiting back from them, once i know i will cease payment to them
thanks for that - i didn't know that. they are a vile company and i wish i had never got involved with them but then again hindsight is a wonderful thing.
know what you mean but they can't take what you havn't got. One of our debts is with studio they wanted £50 a month, after loads of threats about court to us they accepted £10 a month as they have no agreement so can't take us to court
ia m inclined to only deal with the compliance depatment - if they still don't agree i will seek professional financial advice. thanks for all your help. i belive i have a copy of my agreement at home so am going to go through it with a fine tooth combe when i get home.
Debt Management Plan
and they cashed the cheque and have said i still need to make the remainder of this months payment - less the amount for the cheque.
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