Patricia Pearl - Small Claims Procedure - A Practical Guide|
An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.
£19.99 + £1.50 (P&P)
BAILIFFS - The Law and Your Rights
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.
£13.95 + £2.00 (P&P)
Basic Account Holder
Store Card / Credit Card Debt almost Statute Barred, BUT
I had a store card with a major chain of stores in the UK, the store card was changed into a credit card some years later, I hit hard times, moved abroad, gave up on on trying to maintain payments and defaulted on the card.
The debt has been passed from DCA to DCA and I gone into head in the sand mode, and ignored all communication, I still live out of the EU.
The debt is on the verge of being statute barred, but there is a but.
As well as having the cc with the retailer I had a personal loan them which was used to buy a car, when I left the UK my ex needed a car so I allowed her to keep my car that was being paid for from the loan and and she would carry on with the payments. We kept the loan in my name.
She carried on making the payments but overpaid the last payment by £30, the company advised me that there had been an overpayment but instead of refunding it they credited it to my, now defaulted, credit card account.
I fear that this may have re-set the statute barred clock by three years.
I am reluctant to ask them as they haven't been in touch for a year or so, and neither have their DCA's, I'm inclined to let sleeping dogs lie.
Does anyone have a view?
Re: Store Card / Credit Card Debt almost Statute Barred, BUT
As you have not voluntarily made that payment then I dont think it can be used to restart the SB clock.
It was in fact an unsolicited gift from the company.
You might also want to have a read of the following article on Store to credit cards..
Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE