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.
Can anyone help I have a an amount on Choice catalogue I have made small payments over the past 6/8 months but it hasn't become any lower infact the inital amount has gone up everytime I pay whether it is £20-00 £40-00 they add a £ 15-00 charge because I am in arrears and on top of this something called Account Cover Plus ? If they continue to do this I will never pay it off.
Sometimes I have to pay less than the £15-00 therefore iot is a complete waste of time Any suggestions / help /advice will be mnost welcome
Can I treat the charges penalties the same as the banks? I have been reading the FAQ's etc etc etc with a friend who is a member I decided it was such a great site that I would join myself. Sorri if I rambled on .
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Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
Thank you Alan for your quick response,it was very welcome. Having someone to help when you don't know where to turn is a great relief.
I believe that Account cover plus is a form of protection if you lose your job or you become ill . Can I ask them for all my statements to under the DPA? they only let you look at 5/6 months online.Thanks again
It is important that you read through the FAQ's where you will find a step-by-step guide. There is a template (in the library) for the DPA information request.
The wording of the letter is very important as what you are asking for is a list of transactions - not statements, as statements themselves are not considered as within the terms of the DPA. Of course they may decide to send statements - but that is up to them.
You can claim up to six years - but it is vital that you spend some time learning the process first.
Alan, Derby, UK.
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_________________________ _______
Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
Account Cover Plus is a repayment protection plan, yes. If you don't want it, cancel it. It's not a condition of the catalogue to have it, but they will try it every time.
What do you mean by "Sometimes I have to pay less than the £15-00 therefore iot is a complete waste of time "? Do you mean that your minimum payment is less than £15.00 at times? Regardless of reclaiming the penalty charges, which you definitely should do, why don't you then increase your payments a bit at the time, so that you catch up with your arrears? This way, when you get the charges back, you'll be ahead of the game.
Apologies to people who I was in the process of helping, I may be gone some time.
Choice Help needed
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