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.
Hi there, have had my HSBC account for about 2ish years now, last year (im a student) I didn't handle the acc very well, I had a 400 overdraft limit and I went over it by 400 pounds, I do not think they charged me much for doing this, but am sure there are alot of other charges that happened before this that they owe me.
They handed my 800 debt over to a debt collection agency who I am now paying 50 pounds a month to, to pay off the debt.
Yes you can. Just proceed in the normal way. When you have received your statements and send your prelim letter, send a seperate letter to the DCA advising them, the debt is now in dispute with thier client and therefore payemnts are suspended pending resolution. I had the same issue with Capital One and have now received a letter from the DCA advising they have now been dis-instructed by Capital 1. Hope this helps.
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Bit of advise please
account for about 2ish years now, last year (im a student) I didn't handle the acc very well, I had a 400 overdraft
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