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 have sent one request like this to Egg and got a letter back saying they needed me to re-submit my request with a valid signature (like I am going to do that) or identification. I presume they are just trying to be awkward and hope I will go away.
I do have a number of the agreements as I am quite good at keeping records but I suppose it is worth sendng to all to see if they have kept them.
I know my egg card agreement has the 'approved limit' term which I have seen on this site is one of the main flaws in that contract. I will try and scan my agreements and be grateful if you can tell me what you think.
Re: Can't met minimum repayments, heard if pay £1 they can't do too much
There is no legal requirement for you to supply a signature, in fact this is what the ico say about the matter; Data Protection Act Good Practice Notes:
2. Do you have enough information to be sure of the requester’s identity?
Often you will have no reason to doubt a person’s identity. For example, if a person with whom you have regular contact sends a letter from their known address it may be safe to assume that they are who they say they are.http://www.ico.gov.uk/upload/documen...nformation.pdf
Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.
Re: Can't meet minimum repayments, heard if pay £1 they can't do too much
I have scanned my Egg credit card agreement and wondered if you had an opinions about it. Like a lot of people although I cannot afford to keep up the minimum repayments much longer and the prospect of defaults will cause so many problems.
What I wanted to understand, if the agreement contains or is missing things that makes it unenforceable, can I put the account in dispute? If so I am presuming that I will need to detail to the company what is wrong with the agreement. When the account is in dispute is this meant to stop them placing defaults on your credit reference file? But for what I am reading on here the companies are doing this anyway?
Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.
Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.
Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.
Can't meet minimum repayments
and got a letter back saying they needed me to re-submit my request with a valid signature
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