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 due to Voluntary Terminate my credit agreement with Black Horse. I owe them some late payment charges. I will negotiate with them to get the car returned.
Please be aware that when you go to buy a car from ANY car dealership they automatically give you a HIGH APR NO MATTER HOW GOOD YOUR CREDIT SCORE IS as they make their money from the finance company.
My friend went to buy an 08 plate peugot and was given 8.9% APR and a monthly payment of £178.00.
This was challenged to which the dealer replied. "oh that can be negotiated". It was and the APR was reduced to 5.75% APR and his monthly payment reduced to £112.00.
The dealer had 3 insurances on the loan that were not apparent and once removed reduced the monthly payment. The 3 insurances were things all covered by a standard insurance policy anyhow.
Just letting you all know NOT to just accept what these robbing swines tell you. BARTER ALL THE WAY AND DO NOT ACCEPT THE LIES.
I am due to Voluntary Terminate my credit agreement with Black Horse. I owe them some late payment charges. I will negotiate with them to get the car returned. Make sure you take a 'lot' of photos of every aspect of the car and at every angel, leave not an inch unrecorded.
Please be aware that when you go to buy a car from ANY car dealership they automatically give you a HIGH APR NO MATTER HOW GOOD YOUR CREDIT SCORE IS as they make their money from the finance company.
My friend went to buy an 08 plate peugot and was given 8.9% APR and a monthly payment of £178.00.
This was challenged to which the dealer replied. "oh that can be negotiated". It was and the APR was reduced to 5.75% APR and his monthly payment reduced to £112.00.
The dealer had 3 insurances on the loan that were not apparent and once removed reduced the monthly payment. The 3 insurances were things all covered by a standard insurance policy anyhow.
Just letting you all know NOT to just accept what these robbing swines tell you. BARTER ALL THE WAY AND DO NOT ACCEPT THE LIES. The word isn't 'BARTER' JB it's 'FAIRNESS'
A good post JB and a timely reminder for all to follow. Always read the contract before signing.
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Originally Posted by jbscotland
