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.
Received a letter from Barclaycard offering £246 of the £560 that I have asked for.
They have stated in the letter that they will pay it into my account...
Firstly ... I am not going to accept this amount or should I... see below
Secondly... I no longer have a Barclaycard account (they took it away from me) so if they pay it into that account I will not be able to get it !!!so can I request that they send me a cheque when we finally reach settlement...
Thirdly .. This is for an account for which I came to payment terms with Barclaycard about 9 months ago... I paid the account off as agreed with them but admit that they wrote off about £500 of the debt.... Will this make a difference ??
Lloyds TSB (1) Statements received LLoyds TSB (2) Statements Received LLoyds TSB (3) Statements received Halifax Credit Card (1) Statements received Halifax Credit Card (2) SARS request Sent RBOS (Halifax) Credit Card (3) SARS has Elapsed, on 54 days now Barclaycard - Goodwill offer of £264.00
If the £560 is all charges then you can stick to your guns and receive the whole amount back.
If you want the amount paid to you as a cheque then insist that this is done. They are the ones trying to settle, not you, so make them settle on your terms.
The fact that they wrote off £500 makes no difference. They did this for a commercial reason, not because they have charged you unlawfully. Did they register a default for that account? When you paid off the account Iassume they accepted the payment as Full and final settlement, so they cannot mix the two issues.
No they did not enter a default on my credit file, they just stipulated that I would no longer be able to use the account....
That is just what I wanted to hear...
Letter in the post to them tomorrow me thinks....
Thanks
PINKPETAL
Lloyds TSB (1) Statements received LLoyds TSB (2) Statements Received LLoyds TSB (3) Statements received Halifax Credit Card (1) Statements received Halifax Credit Card (2) SARS request Sent RBOS (Halifax) Credit Card (3) SARS has Elapsed, on 54 days now Barclaycard - Goodwill offer of £264.00
Advice please !!!
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Re: Advice please !!!
