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 Can some kind soul point me in the right direction? My credit card debt has been passed to Mercers. I have spoken twice to them on the phone (never again!). We agreed a mutual sum each month to pay this debt off. Unfortunately, they requested my bank details for a DD. I refused so it became stalemate. I wrote to them to ask for their details so that I could set up a s/o. I didn't realise at the time I could do it without their permission. Before I heard from them I gained more knowledge from you guys so I went ahead and set up a s/o. They've now replied to my letter saying that I need to pay £x amount to bring my outstanding balance up to date. My s/o payment doesn't start until next week so how should I reply to their letter? Kind regards......
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.
barclaycard/mercers
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