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 wonder if someone can help me please? I checked my credit file recently and noticed that a loan account (which I settled 18 months ago), has an outstanding balance and a default on it.
I wrote to them asking them to amend the records to show the true balance, and advised them that I disagreed with the default. I did default on the account, but thought the record of it was placed on my credit file too late.
To cut a long story short, I took out a loan in Jan 2004, and made full payments until Jan 2007. Then I missed 3 payments, but set up a new direct debit and made payments on 28 May and 28 June 2007. The default was registered on 12 June 2007. I then missed 6 months' worth of payments, and after this paid on time and settled the account.
I've written to them asking for a copy of the default notice but they haven't sent it, just sent a copy of my loan agreement. Can I argue this default notice or do I not have a leg to stand on?
I think the ICO state that a default should be placed on your file no longer than 6 months after the account is closed. I have one which is 15 months later.
Can I get this default removed?
and made payments on 28 May and 28 June 2007. The default was registered on 12 June 2007. I then missed 6 months' worth of payments, and after this paid on time and settled the account.
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