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.
Know your new rights in the great credit card clampdown
Thousands of people whose credit card rates are increased suddenly were promised new rights last week, though critics said it would do little to stop the practice. The government announced plans to clamp down on the industry to make it fairer and more transparent. The proposals, announced by the Department for Business, Innovation and Skills (BIS), outlined five rights that, it claims, could save consumers £300m a year. They include the right to pay off the most expensive debt first when there has been a balance transfer, more time to reject increased rates, and better access to information.
Sunday Times readers have complained that their credit card rates have risen recently, in some cases by as much as seven percentage points. Egg, part of Citibank, Halifax, Capital One and Virgin Money have all increased rates for some customers this month. James Taylor, 54, who runs an advertising agency in Reading, received a letter from Capital One saying he would have to accept a seven percentage point increase in his purchase rate to 27.9% or stop making new purchases on the card. He said: “It’s like being in a restaurant and finding out that the meal that would have cost you £10 will now cost £20. I felt I was being held hostage.” He has declined Capital One’s higher rate and switched to another provider.
Know your new rights in the great credit card clampdown
, part of Citibank, Halifax
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