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.
Hi, I am trying to sort out my son and his other halfs finances.
Through going the debts they have three payday loans which are meant to go out when they get paid on the 25th. The amount is nearly half there monthly take home pay.
How is the best way to break this cycle of these payday loans, is it advisable to cancel the DD then see if we can come to an arrangement with the companies?
Lots of info on this forum but first step is report card lost or stolen. You can negotiate from a position of strength. DD to be cancelled if paid this way. Keep checking account as they will keep trying
Tower are a pain as they will start court proceedings not they ever seem to win if defended. Not had dealings with the other two but assume they will annoy by phone.
If they are all done by direct debit they will have to watch their bank account like hawks as they will try and set up even after you have cancelled.
The important thing is to break the cycle of reloaning.
Yea that is what I thought, this is why I didn't want to pay them off for them (as I was worried they would take out another one). I am trying to get them to join the local credit union.
They have some other debts with Shopacheck & Greenwoods but they are easier to deal with than these payday companies.
hey there not sure about payday companies , but shopacheck and greenwoods are a pain in the ass shopacheck will keep buggin them for payment i managed to get them agree to £5 a month for £350 loan all you need todo is keep telling them thats all you can afford they will moan but they take it rather then court etc also they send letters from their parent company cattles best to just phone your local office.
greenwoods well they too moan but even if they agree they dont tell your office meaning your agent will keep popping around i meant to pay £100 a month for £800 loan last year i am only paying £10 a week sometimes missing it but its ok due to having a good agent is a bonus he doesnt mind along i give a few quid he happy.
Help Needed - Various Payday loans
which are meant to go out when they get paid on the 25th. The amount is nearly half there monthly take home pay.
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