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.
in 2002 i opened a opened a credit card account with Capital One. In 2004 this went into default etc . The last i heard was in feburary 2005 when their solicitors wrote to me to threaten legal action. I wrote of to capital one for my SAR. Today i phoned them up and they told me to talk to their dc which i did. the dc then gave the phone number to their solicitors. when i spoke to them they told me that they had issued in the small claims court in january this year. I was a bit surprised at this. Anyway to cut story short they said sort a payment out by 12th of this month or we will re issue. I told them that the account was in dispute. The solicitor office said to me " we cant give 2 hoots about this" you had all this year to reply to the summons and you are asking now ? It is too late. threatning a summons is one thing they are saying its already been issued. Now i have been told by capital one that as they are no longer dealing with this i need to speak to fredrickson. Capital have acknowledged reciept of the cheque. what do i do now ? I have written to the solicitors disputing the whole balance and also a copy of the SAR sent to capital one.
It doesn't matter that it has been passed to a DCA, Capital 1 still have a legal obligation to provide the information. I would personally right to the solicitors advising the whole amount is dispute and will be defended on this basis. Do not forget to send it recorded. If they do re-issue a summons I would PM a mod for help, possibly with a counter claim
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Kensington Mortgages withdrawn. no costs
NatWest Settled in full
Abbey Court Settled in Full
Capital 1 settled in full
Halifax settled in full
No ccj. As of yet. If i hadnt phoned i would not have found out this story about a summons being issued etc !!! Thanks ill pop the letter in the post morrow morning.
is this common
. In 2004 this went into default etc . The last i heard was in feburary 2005 when their solicitors wrote to me to threaten legal action. I wrote of to capital one for my SAR
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Re: is this common
