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.
This post is now time sensitive as explained below.
As suggested back in May Egg did sell my debt(s) on so I have heard from a number of collection agencies. Some of these were extremely nasty and some very nice. I have politely but steadfastly refused to play ball. I just tell them the truth - I'm a pensioner, I have no savings left, On benefits, I rent my flat and have sold everything I have of any value. Once they realise its a blood and stone situation they leave me alone - until the next one.
As nothing has happened apart from phone calls and letters I wonder if Egg sold me on because the agreement is unenforceable?
cc agreement uses word 'credit' (Egg photocopied much too small and the docs came up as thumbnail size on the forum so arent posted here). I have them on photobucket where they zoom OK if you want to take a look PM me. Dates available likewise.
As Egg are now out of the picture how do I proceed? Dont want this hanging over me for ever. Supposing I won the lottery?
I have been asked to pay just £10 a month for the life of the cc debt. Should I agree or will this affect my rights? I have no idea how to proceed and am even thinking of changing my user name to OnTheRopes!
Any advice you can offer or any direction you can point me in to get more help would be greatly appreciated as is your time in reading and replying to this message.
if you post your photobuck IMG here we can have a look at the agreement but noone can really say anything about it until its up here
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Have been occupied by serious illness in the family hence the long gap to this reply.
My photobucket image has my personal details on it. Oops! I dont have a scanner so dont know how to redo the images. My pal w scanner has moved. Advice?
I have agreed to £10 a month on the cc loan starting Dec 28th. Am I going to lose any rights by doing this? I can cancel the DD if so.
No mention of the loan at all. They went to separate collection agencies. I wonder if that could be because the loan isnt valid? Would be good to know.
Happy Christmas to all on CAG! Keep up the great work. One day I'll be able to afford a donation to say a proper thank you.
Egg, DCAs and deadlock! Helppppp!
did sell my debt(s) on so I have heard from a number of collection agencies. Some of these were extremely nasty and some very nice. I have politely but steadfastly refused to play ball. I just tell them the truth - I'm a pensioner, I have no savings left, On benefits, I rent my flat and have sold everything I have of any value. Once they realise its a blood and stone situation they leave me alone - until the next one.
(Egg photocopied much too small and the docs came up as thumbnail size on the forum so arent posted here). I have them on photobucket where they zoom OK if you want to take a look PM me. Dates available likewise.
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