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.
My credit card account is now £900 in credit due to a major refund.
My current account is within its £250 o/d limit
My loan account is in default by 2 months payments
As the CC is a Credit agreement am I correct in thinking they CANNOT use the credit balance to pay any other accounts with FD? i.e. they do NOT have the right to roll up accounts as it were but IF the credit balance was in my current account they could?
because I am behind on loan payments they have frozen my card so I cannot use the huge amount of credit balance on it at the moment.
they have just moved the credit amount this morning to my current account saying that they have authority to do so.
I think they can't as a credit card is a regulated account under Consumer Credit Act and cannot be subjected to 'free' movement of funds at their request.
help getting refund from FD credit card
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