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 got more credit cards who are currently taking my repayment offer..however barclaycard which I took in 1999 has threatened to take further action after 23rd Oct 2009..do u think I should ask them now for CPR and Credit agreements request.. they did ask me to pay £3000 for settlement but my condition is so bad that I cannot afford to pay £3000 now I mean by tomorrow.. what do u think I should do now.. Abbey had same offer but I could not pay, now abbey said they have sold my balance to someone else who has not contacted me yet since last month...
Citicard also sold the balance but I have not heard from anyone..
I called both CITIcard and abbey to pay for this month but they said not pay them and wait till I hear from the people to whom they have sold the balance..
Please note from Abbey I had 3 accounts and I paid 2 off them per agreements , only one credit card balance of £7000 left which they offered me to pay for £2000, but again I have not got that much money to pay at once.. so they sold it though I requested them to hold...
Please also note all these cards I took sometime n 1999 and 2000 when I was doing my professional exams...
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.
Hi slick I got today a text message from someone I guess from clarity debt mgmt which I found out by calling the number.. however as the text was not clear who it is from I asked the lady to clarify who are they.. then she said she cannot tell me unless I confirm my details.. then per text message I told her I will call back when I receive the letter.... but she kept asking my name..
do u think due to postal stike should I tell them my name and see which card they are talking about in case they get CCJ without telling me. At least I can talk before they do such thing.. or should I wait till I get the letter...
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.
They sent me new txt today asking to talk to someone called Ruth Gardner of Clarity.. I have not call back and have not got any letter from them.. I am scared if i do not call what if they do sent CCJ claim form..but i think this card will not happen agreements as i took this card before 2000...
the txt said : 'Further to our letter, it is important that we talk to you. pleae call ruth gardner at clarity on 01604686040 or reply by txt quoting..reference no.....'
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.
I wouldnt worry about the texts after all, you dont know who this company is and why they want you. They could be anybody. They would have to send you a Notification of Assignment. We did have someone chasing us for a disputed debt and eventually we recieved a letter from them to say they have been assigned the debt, up until then we had no idea who they were and why they were ringing.
Hi thr.. I just did something stupid, I have not got their letter yet which they said in test has been sent.. this coudl be due to postal strike..Due to my Natwest/Incasso problem (Slick knows it) now I get scared too quick, before I read Slick and Craftygirl advice I have sent an email to clarity today which I found from their website to stop sending email and told my financial situation.. I do not know if I did a sily thing... Anyway guys (specially Slick) I do thank you all for being with me..
I have not heard anything for my Abbey card yet, I called them last month to pay and the guy said I should not be worried to make payment and wait till I get their leter which I have not yet received for more than 1 month now... Wish they could wipe it off ... that would give me little sleep... anyway good noght to u all till i hear from u..
Hi Jason, you can edit your own posts if you spot a mistake - click on the EDIT button, amend the text, then click on SAVE.
As regards the letters you are expecting, you may find they send nothing of the sort. Apart from threat-o-grams and demands.
Clarity is not a name I've heard of on BC cases, so they may be dealing with another debt. Like I said before, if it's important to them, they'll write. Otherwise, IGNORE their contact attempts.
Have you sent off the CCA request and the SAR yet.
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.
Hi Slick how r u doing?
I just recieved letter from Clarity for Citicard anf domeone called debt clear for MBNA. CCCS told me I should sent them letter with payment offer per income and expenditure.
do you think I should send CCA and Subject access request rather than payment offer cause I think they will not have CCA as I took these loan in around 2000.
Also I read a story about a company called Cratel Client Review from BBC website who helped people like me to get money from Lenders. These people charge £495+30% on claim received.
Do u think I should approach them from my Natwest Loan problem that you know...
It would be best if this thread is used ONLY to discuss BC case, to avoid confusion (it doesn't take much !! ).
Re using a CMC, the choice must be yours. However, the upfront fee is hefty and they ALSO take 30% of any refund, which you could get yourself if you read and use the advice here on CAG.
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.
Be warned that CCCS may not want to help further if you dispute one of the a/c's as they tend to take a more moral view of your responsibility for debts.
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.
Thanks. I will send CCA request to Abbey, Citi and Barclaycard today...By the by currently I am paying the token payment to Natwest card and Egg loan which I took in 2001, do u think I shoudl also CCA natwest card and Egg while I am paying the token payments...
If they cannot honour CCA , how can I get them the balance written off...
re Nat West and Egg, if you CCA them, there's a chance they'll review the payments you are making. This could happen at any time but is less likely while the payments are made through an agreement made with CCCS.
And, as said above, CCCS will not agree to you stopping payments if one of the banks cannot produce the necessary credit agreement.
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.
Would you please comment on the following letter for CCA request;
Is this the correct CCA request letter to send to DCA or banks:
Account/agreement no. XXXX XXXX XXXX XXXX
Dear Sir /Madam
This letter is a formal request for a true copy of a correctly executed contract/agreement, numbered as above. Please be aware that I require a true copy, signed by both myself and a representative of your company that contains all the relevant information. This is my right under the Consumer credit act 1974, Sections 77/78. I also require the following.
1.A full statement of account.
2.A true copy of any deed of assignment.
3.A copy of any other documents referred to or related to this matter.
Please also be aware that I am fully cognisant of my rights under The CCA 1974 and amendments thereafter. I enclose the fee of one pound (£1) to cover your costs, as required.
I am not asking for;
1. Any information covered by any DATA Control Act.
2. A set of terms and conditions.
3. A copy of an application form.
4. Any other documentation other than that requested above.
Under the terms of the aforementioned act you are required to provide this information within 12 working days. Failure to do so is an offence and renders the alleged contract unenforceable without recourse to a court of law.
Failure to provide the requested documentation within the stipulated time frame will put the account into a very clear dispute. While in dispute the following rules apply.
A creditor may not:
1. Demand any payment on the account, and a debtor is not obliged to offer payment.
2. Add interest or charges to the account.
3. Pass the account to a third party.
4. Register any information in respect of the account with a credit reference agency.
5. Issue a default notice in relation to the account.
As I am sure you are aware, recourse to a court of law will require you to produce the original correctly executed agreement. If you have it, please provide a true copy as required.
If you are unable to provide the requested true copy I will require you to take all necessary steps to remove adverse credit references to my name.
I will also expect you to advise me of all charges and interest made on the account since its inception and your intentions with regard to repayment.
Failure to contact me within 21 days will result in reports to the Ombudsman and Office of Fair Trading and the possible commencement of legal proceedings.
The delivery of this letter will be recorded by the Post Office.
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.
Re: Jason mnm -v- Barclaycard
had same offer but I could not pay, now abbey said they have sold my balance to someone else who has not contacted me yet since last month...
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