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.
No i don't think so. You can open an account at any age if the bank allows it.
I cannot see how it can possibly damage your prospects of getting cash back - only make it better if anything (although I doubt whether this is the case).
Just work out the amount you're owed and write the letter asking for it back.