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 am on a dmp with CCCS. They made the first payments to my creditors on 25 February.
One of my creditors is Barclays Bank with whom I had a current account with. CCCS wrote to them twice informing them of the dmp. I have since had two letters from them. One telling me they are refusing the offer and terminating the account and passing it to debt recovery who will be in touch about my 'offer'. The second letter was a termination notice and it worried me greatly because it says I have to pay the full amount outstanding within 14 days of the 10 March 2010.
The signature is preprinted but I am very concerned about it. I have emailed it to CCCS, but they take 24 hours to come back via email. Perhaps I should ring CCCS or do you think I should ring Barclays.
As you are in a debt management plan, the creditors can refuse to accept the payment plan put forward. You will need to contact CCCS about this and forward the letters onto them to deal with. CCCS will then negotiate an arrangement on your behalf, and also contact the collection agent acting on their behalf.
Oh yes, I opened up a new current account with a company that I had no connections to at the end of last year, so no worries there.
What I don't understand is that I have a Barclaycard Gold card and a Barclaycard Cashback, both of which have accepted the plan. It doesn't make sense. Also when I got the original bumph from CCCS they said that if I have a Barclays account they would automatically change it to a no frills current account and issue an electron card instead of the connect card. This didn't happen, but maybe it was because they could see I'd stopped all payments going in and out of the account.
with CCCS. They made the first payments to my creditors on 25 February.
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