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.
need some advice please. My other half has a debt with barclaycard, been running for almost 4 years. He's always paid on time, and every year a letter from them arrived to say 'due for annual review' so, as his finances improved, has upped the payment. He thought all was running ok. The debt started at £3600 and has £990 left to go.
However, today he gets a call from Calder Finance, please ring back......
He has never heard of these people, but rings anyway, to be informed that they have taken over his outstanding payments from Barclaycard, and that he needs to pay the full amount outstanding or be passed to a debt management firm. He explains that he has not been informed of this, and indeed has never missed a payment, and does not understand the reason for this.
He tried to ring Barclaycard on the number on the last letter, only to be passed straight to Calder. They explained to him that the original debt was on a time limit to be repaid, and that that time had passed. Unfortunately, no-one told my OH about this, and had no idea that this debt was on a timer. They have insisted that he clears the debt in FOUR PAYMENTS OF £200+.
I'm going to draught a 'very stiff letter of complaint' to Barclaycard, but would appreciate some thoughts.
Many thanks
the train of thought has left the station, hope i was on the right platform!!
_________________________ _________________________ __
Lloyds TSB
prelim sent 06/07/06 response rec'd 14/07/06
LBA sent 20/07/06 response rec'd 27/07/06
Moneyclaim filed 22/08/06 Ack'd 30/08/06
Defence filed 26/09/06 AQ filed 12/10/06
hearing set for 10th Jan 2007
Cap One
prelim sent 2nd Nov 2006 First offer rec'd 14th Nov
any thoughts, suggestions or advice given by MBQ are done so without prejudice. All information I have, i have learned from this excellent site. If in any doubt, seek professsional advice.
They have no right to suddenly demand the payments they want and you should not speak to them at all. If they call again, simply tell them they must put anything they have to say in writing, then hang up.
Don't bother with a "stiff" letter to BC - they'll ignore it. The CCA will be far more effective.
Are there any penalty charges on the a/c in the last 6 years, or mis-sold PPI. If so these can be reclaimed , with interest.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
the train of thought has left the station, hope i was on the right platform!!
_________________________ _________________________ __
Lloyds TSB
prelim sent 06/07/06 response rec'd 14/07/06
LBA sent 20/07/06 response rec'd 27/07/06
Moneyclaim filed 22/08/06 Ack'd 30/08/06
Defence filed 26/09/06 AQ filed 12/10/06
hearing set for 10th Jan 2007
Cap One
prelim sent 2nd Nov 2006 First offer rec'd 14th Nov
any thoughts, suggestions or advice given by MBQ are done so without prejudice. All information I have, i have learned from this excellent site. If in any doubt, seek professsional advice.
calder finance
. He explains that he has not been informed of this, and indeed has never missed a payment, and does not understand the reason for this.
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