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 have just received a letter from Jackie Bradley at Egg customer relations in reply to my lba about my Egg credit card.
Egg are saying that where they consider that the bank/customer relationship has irretrievably broken down it is their policy to terminate the account and reqire full repayment of the amount outstanding within 30 days. They are obviously assuming (quite correctly) that I cannot afford to repay in full. What they are saying in effect is if I take the matter any further they will close my account and I will have to repay the outstanding balance in full within 30 days.
Is this just another of Egg's scare tactics or have they actually taken this course of action with anyone?
This is not uncommon at all, done many times already. If you can't pay it all back then make an offer of repayment that you can, and make sure you get their agreement in writing; then if they try to take you to court over it you can show that you are making reasonable steps to pay it back and so a judge will look kindly on you...Also make sure that you inform them that the amount is in dispute so they are not allowed by law to send any adverse data to the credit reference agencies.
Advice needed re Egg scare tactics
customer relations in reply to my lba
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