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.
By Jeff Prestridge, Mail on Sunday Personal Finance Editor.
Credit where credit is due. The Government deserves a big pat on the back for forcing the country's credit card and store card issuers to clean up their act. The Government has persuaded card issuers to ditch a number of their more undesirable practices, all of which were aimed at making greater profit at the expense of indebted consumers.
Although the new measures will not come into force until the end of the year, they should make the credit card jungle a little easier for customers to hack through. It is certainly a major breakthrough that issuers will no longer use repayments to pay off the cheapest part of their debt first, as is the industry's decision to stop giving indebted customers unsolicited increases to their credit limits.
But let's not get too carried away with the Government's success. Credit card companies are a crafty lot and they will not have agreed to lose £500million of revenue over the next couple of years (the estimated cost of abiding by the new measures) without a good idea as to how they can replace it. Unfortunately, that means interest rates on credit cards, stubbornly resistant to reductions in the past, will go only one way in the coming months - and of course that is up.
rates on credit cards, stubbornly resistant to reductions in the past, will go only one way in the coming months - and of course that is up.
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