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 know it's not Barclaycard, but this story will have them quaking in their boots. It should give hope to every maligned and stressed out person on this forum. Cancelling your debts just got 100% easier.
Quote from the webpage (my underline);
"The main ground on which Judge Smart said Mrs Thorius's credit card debt was unrecoverable was because MBNA could not provide a copy of the original signed loan agreement, which is also a requirement by the Consumer Credit Act.
The Judge ordered the company either to repay Mrs Thorius's PPI premiums and interest, or the value of the commissions it had received which so far has been undisclosed."
1st paragraph - the original signed loan agreement is a requirement of the CCA.
2nd - the payback terms.
BBC news £8k card debt cancelled by court
could not provide a copy of the original signed loan agreement, which is also a requirement by the Consumer Credit Act.
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