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.
WARNING!!! Check if your cards APR's being hiked. You've a right to REJECT it.
Warning! Check if your card APR's being hiked. You've a right to REJECT it. Capital One & others writing to customers to increase interest rates... act QUICKLY to avoid it
The 'rate-jacking' phenomena is continuing apace. Many companies are at it, but, in particular, many letters are being sent to Capital One customers announcing spring rate increases. e.g. 13% up to 18% How much this costs: In this example, someone with a £3,000 debt making just min. repayments would see the cost rise by a mammoth £1,065 by the time the card is cleared.know your rights - you can REJECT rises. A little known rule was launched by the Govt in Jan 2009, which means if you agree not to borrow more they must allow you to keep repaying existing debts at the current rate, stopping the rate rise in its tracks. Yet you must respond within what's called a 'reasonable period' so go quick to be sure. Full step-by-step help and other options in the Full Guide inc. Template Letters: Reject Rate Rises Also see MSE NewsCapital One Rate Jacking Related: Cut card costs without new credit, Check Your Credit Rating
DON'T FORGET MY REPUTATION STAR!!!
If all else fails, kick them where it hurts and SOD'EM
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Re: WARNING!!! Check if your cards APR's being hiked. You've a right to REJECT it.
Had the same. Used template from MSE site to reject the rate hike. Just got a reply saying '....can't divulge reasons, down to Cap 1's lending policy, confidential etc. etc.' AND gave no reply to any decision. Guess this is just their way of ignoring me! Hoping I will be impressed by their waffle and back off, therefore charging me new rate next month.
War it is!
Re: WARNING!!! Check if your cards APR's being hiked. You've a right to REJECT it.
Good Luck WD
DON'T FORGET MY REPUTATION STAR!!!
If all else fails, kick them where it hurts and SOD'EM
This site relies on volunteers and contributions. We know that many cannot donate towards the never ending costs to upkeep this fantastic place, but you can still all help.
Simply download the CAG toolbar and use it as often as you possibly can for your Internet Searches. This will cost you nothing at all, but the sponsors will donate small amounts each time to the running of this site.
WARNING!!! Check if your cards APR's being hiked. You've a right to REJECT it.
& others writing to customers to increase interest
Reply With Quote
Re: WARNING!!! Check if your cards APR's being hiked. You've a right to REJECT it.
