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.
Can anyone advise, 1st request for CCA Dec 08, all the usual bumf and excuses as per everyone else. Contacted fos, 6 weeks later still no CCA sent formal complaint. BC sent FOS a copy of my application for BC showing my signature. The application is not in my handwriting only my sig but does this constitue a true copy of the CCA there are no APR's etc and is this document enough to take me to court, I don't think it is. I applied for a BC on a few occasions before I was finally allowed to have one.
The debt was passed to Mercers, then Calder and now CLS what a joke.
As you say, an application form without the KEY terms will be unenforceable.
So long as you took out the card before April 07 then a judge would be unable to enforce but some judges don't know their jobs and make complete ar*es of the law
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just been looking at some other threads and someone else has had the same copy app form sent. One reply states this is classed as an unexecuted agreement. Question is would CLS be stupid enought to chance it in court?
fathoming out the workings of your average DCA brain requires you to have a masters degree in psychology/Psychiatry.
Dca's have been to court on less but it is rare as they usually pull out before the case. They use the courts as a last threat
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Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor
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.
It seems tricky at first, but is fairly simple really.
1, Scan your DCA letter/whatever you want to show on the forum.
Ideal setting is 100dpi as it's closest to computer monitor display resolution.
2, Save the scanned image as a jpeg
Step 2.5 Edit out any personal information, barcodes or any other comments, notes or markings around the edge of the document. Never change the original document you received
2.5, Load the saved image into MS Paint. (comes free with Windows.) Use the pain brush or spray can to remove/paint over any personal info, such as name, account number, address, etc. Also remove any barcodes, as some DCAs may be able to identify you from these.
3, Create an account on Photobucket.
4, Once you have a Photobucket account, you'll find on the main webpage little box where you can upload photos. Click the "upload image" box and then tell it where on your hard disk you saved your scanned jpeg. It will then upload the image to Photobucket and it will show you thumbnails of the images you have uploaded. Under each image there are links that you can copy and paste.
5, Copy the IMG link below the image you want to put on the forum. Then reply to thread on CAG. Right click with the mouse and select "paste" from the little menu that pops up.
6, You'll then get some text appear in your message that looks a bit like this.
When you submit the reply, the text will change into the image you uploaded onto photobucket. The text you copied and pasted is just the information the forum needs, so it knows where to find your photo and display it in your message.
Courtesy of Fuzzybobble
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Follow it to the letter and you won't go wrong. Make sure you obscure all personal details but leave dates
fox
If you are asked to deal with any matter via private message, PLEASE report it.
Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor
BC sent copy application form?
, 6 weeks later still no CCA sent formal complaint. BC sent FOS a copy of my application for BC showing my signature
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