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.
Just considering my options as 1 week after being paid and all creditors have had their pound of flesh, I am officially skint!!! Too much month left etc etc. I have been doing a lot of research into the viability of doing an IVA. Now, I have been trawling through all forums and threads within CAG and can't find anything recent (last 6 months or so) so I was wondering if any of you extremely kind and helpful people could shed some light on it for me? The company I am dealing with seem incredibly professional and there is no sales pitch. I must have driven this IP mad with all the questions. So now I am asking yu guys for more info!!! Good and bad experiences please?
If you think I have been any help at all, click my scales, go on.... You know you want to!
LLoyds: (Husband) - *Settled in full* 20/12/06
Halifax: (Mum) - *Settled in full* 05/12/06
Studio: *Settled in full and more* 09/12/06
GE Capital - *Settled in full* 16/11/06
Barclays: - *Settled in full* 04/01/07
Capital One: - *Settled in full* 02/02/07
MBNA: - *Settled in full* 30/01/07
Yorkshire Bank (Friend) - *Settled in full* 30/06/07
LLoyds TSB x 3 in progress (Friend x 2 and Husband again)
Abbey National in progess (Friend)
They sound too good to be true in my opinion, and we considered it only a few weeks ago but after chatting to an independent insolvency advisor, we decided we'd rather get by as we are.
Go and see a solicitor for a free consultation. NOT a company who specialises in IVA's - they will get you on board and they are taking a cut, so will tell you to do one.
Our debt is roughly 60k.
NEXT - sent CCA request - 15/01/09 - not received
Capital One - sent CCA request - 15/01/09 - received CCA and also offer of £67 which I am not accepting.
NatWest - sent s.77 letter complaining about default on file 15/01/09 - *WON* Default removed within a fortnight!!
NEXT - 7/02/09 - sent further letter reminding them of breach of DP
Cap1 - 7/2/09 - Accept part payment/reminder of default to be removed
IVA's - any positive feedback?
and can't find anything recent (last 6 months or so) so I was wondering if any of you extremely kind and helpful people could shed some light on it for me? The company I am dealing with seem incredibly professional and there is no sales pitch. I must have driven this IP mad with all the questions. So now I am asking yu guys for more info!!! Good and bad experiences please?
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