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 had a Barclays card while I was at college that had a £400 limit that I used to the maximum the interest then brang it over the limit and was subsequently charged. As I was at college at the time I couldn't repay this and eventually it was passed to a debt collectors agency. The amount owed was £717 I began paying some off but then left it with a balance of £627. I want to get all my defaults settled as I want to join the navy, should I be able to get the charges plus what I've already paid removed from the owed amount? If so how would I go about it?
I've been thinking of writting to all the owners of my debts offering 50% of the default but if I can get the charges removed that will help.
I don't know if its worth saying the Barclays card started off as a student credit card that when I went into the bank one day to see if they could increase the limit they realised they had misold me the credit card as I was at college doing a level 3 qualification and not university and they changed it to a normal credit card and I cant remember them making me sign anything.
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 just looked at my credit file again and see that I've already paid £110 off the debt. The original credit limit was £400 and its charges that brought the debt to over £700. I know the debt was sold as thats who I was repaying the money to.I havent paid any in ages so not sure of who owns the debt.
Who should I contact about the debt, because all the amount was charges I feel I should only owe £290. Also I want to get the default removed because this was due to bank charges only. In what order should I try to sort the debt? Should I only write about the default once I've got the money to clear the outstanding?
thanks for all your help
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 found a letter from Apex from over a year ago but not had any contact with them since.I've typed a letter direct to bc that I was going to send this morning.I've used the template for claiming back charges and having the default removed.I've also asked for a copy of the original signed default.
I've said once the charges are removed + what I've already paid off is deducted I will then settle the remainer of the balance.
Is this ok?
cheers for your help
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.
Getting charges removed from owed amount
card while I was at college that had a £400 limit that I used to the maximum the interest
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