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.
hi - like many people followings cahoots decision to hike its interest rates in 2006/7 i decided enough was enough and my flexi loan had to go. i took the decision to clear all debts, the flexi loan and 3 or 4 credit cards i had at the time, and took out a loan with a decent rate to clear the lot.
money arrived in my high street account and made a number of transfers to the various parties clearing them down, on checking my cahoot account a few weeks later the account was in credit by several thousand pounds, asked cahoot to double check all was correct via email and they rang that evening and confirmed it was. presumed i had just got confused as transferring thousands here between 4 or 5 accounts and by withdrawing the account credit everybody was paid and i was where id calculated id be when i refinanced it all. withdrew the credit and requested the closure of the account a few weeks later and they duly write to confirm it closed middle 2007. Mid december 2007, 6 months later, letter arrives from cahoot telling me ive been "unjustly enriched" a pay up or else, write back requesting statements, and an explanation etc so i can do my own checking, another letter arrives from them different author again pay up or else, 5 letters to them latter ive still got no statements, no explanation just a pile of threats, so i tell them if they cant supply the requsted info i consider the matter closed this is now july 2008. nothing until 16th october 2009 when i get a phone call from them wanting me to go through security which i wont do tell them they can write to me. then i notice they had tried to take a dd from my high st account 7th october 2009which my bank refuse as no instruction in place, a default notive for £30.00 then arrives 17th oct issued 10th presumably after my bank bounced the dd but infers they have issued them before.
my concern is that after so long what charges have they added in this time, but having confirmed the account closed surely that terminates any agreement we ever had? and if not surely im entitled to an explanation of whats happened? any ideas?
well exchanged a number of letters now and still dont really know whats happened here they are being evasive and just keep saying i owe! however thet have now issued a dn, whats the opinion on the legality of this dn?
Very dodgy,
firstly they should give a date stating 14 days from service is not correct. Secondly the form of the notice is all wrong parts should be in capitals etc. A good read is the following :- http://www.consumeractiongroup.co.uk...t-2166205.html
thanks for that pumpytums, recieved another dn a couple of days ago same thing only difference is the total has increased by a couple of hundred quid but not the arrears? and dated a fortnight later. Since the account is disputed though and has been since they reopened it, an explanation as too why they have added any interest or charges would be interesting though i wont hold my breath for that!
been a while since ive updated this, so here goes.
had a few dn's and finally a termination notice, though only for a few thousand pounds, about a quarter of the total they reckon i owe, though i say i owe you nowt. am i right in thinking that the amount stated on the termination notice is all they can ever come after me for now anyway? letter now recieved from moorpark DCA, unless anybody says otherwise i will ignore this? think thats the advice on here. Anybody got any ideas?
account closed - now i still owe?
rates in 2006/7 i decided enough was enough and my flexi loan had to go. i took the decision to clear all debts, the flexi loan and 3 or 4 credit cards i had at the time, and took out a loan with a decent rate to clear the lot.
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