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.
Started a new thread as it was getting complicated...
Ok I've sent cca request to barclaycard, this is what i received, just looks like terms and conditions but no agreement or can they class this as an agreement?
any help would be appreciated, thanks again [IMG]file:///C:/Users/Maria/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif[/IMG]
now this letter is dated 01/10/09 and after receiving only t's and c's to my cca request, I sent them a letter dated 02/10/09 which was:
Dear Sir/Madam
Thank you for your response to my request under the Consumer Credit Act section 78.
In your response you confirm this as a true copy of the original agreement executed by yourselves.
As you must realise this agreement does not conform to sections 60(1) and 61(1) of the Consumer Credit Act 1974 and would therefore only be enforceable by a court under s65. However, the absence of any (prescribed terms / signature) means that a court would be prevented from enforcing it under s127(3).
I am granting to you a further 21 days to produce a copy of an executable agreement. After that I will consider that the above account is closed and that you will no longer pursue the alleged debt.
After this period you should close the file and cease processing any personal data relating to me on this matter.
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.
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.
Me Vs Barclaycard
as it was getting complicated...
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