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 have two store cards (Debenhams and Dorthy Perkins), with Santander. I recently fell into arrears with my payments due to fraud on my bank account.
I phoned Santander to let them know about this, and also confirmed it in writing. My accounts were passed to their Financial Solutions Unit. I completed and returned an income and expenditure form for each card. I called them a few days later and they confirmed that they had received the forms, and asked me to send in either a copy of my bank statement or my pay slip as proof of my monthly income. I sent a copy of my pay slip, but heard nothing more. This was in November. I have kept copies of the income and expenditure forms I sent to them.
To my astonishment today I received a letter from Santander claiming that I have never sent them an income and expenditure form, and as a result 'collections activity will resume' and 'charges and interest will be added to the account' !
Santander Cards
. I recently fell into arrears with my payments due to fraud on my bank account.
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