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.
I'm terminally broke and in the middle of the "bank charges vicious circle" which is why I registered here in the first place.
The other day I had a monster plumbing crisis, water everywhere etc. etc. so phoned a plumber from the yellow pages who advertised that they took credit cards as I knew I would need to spread the cost (£275) over a couple of months.
Plumber duly arrived (eventually), and did the job (almost satisfactorily), but when I whipped out my plastic he said, "No love, we can't take cards" and demanded alternative payment. To give him his due he was reasonably understanding, and appreciated the fact that I didn't just give him a rubber cheque (I've got enough grief with the bank charges without going down that route) and once he realised thatI really didn't have the cash he left me with a bill, and asked that I contact him ASAP when I did have the money. He said that his PDQ machine is out of action, and could be so for several weeks.
So do I say, "Tough, your problem, here's my card number - bill it if and when your machine's fixed"
or do I try and get the cash together somehow, which'll be nigh on impossible as I'm not on a reliable income (freelance) and am trying to sue a previous employer to get my invoices for work done since March paid, and am absolutely on the limit of my overdraft. I'm expecting a few quid in shortly, but obviously I've got the mortgage etc to pay first, and the most I reckon I'll have left after that is a couple of hundred to last until the new year.
I feel a bit alone on this issue, I'm really struggling here and haven't bought anything except food and essentials in some months - my bank statement is now only a few lines long every time, so it's not as if I've been throwing it around on luxuries.
Surely if he has a credit card machine then he can phone his card merchant and ask them to process it over the phone ? If that fails you could ask him to accept the payment over the couple of months, as that's how you were going to pay the card off anyway. Good luck.
Pam.
If anything I've said helps you then please feel free to tip my scales!
Adverts can contain out of date info...Perhaps he got sick of paying the charge for accepting of cards (though its fairly small as far as I'm aware, depending on your revenue), and simply BS's his customers about it being broken. Probably some recourse available there if you needed it, though it'd depend how much you and he were willing to fall out about it.
Capital One - After 4 years of stonewalling, finally an offer of £950 as a full and final in Jan 2010, we'll see...
Barclaycard - Partial settlement of £300 accepted, remainder paid off and account FINALLY closed and sorted.
I rang him up yesterday, and explained that he was highly unlikely to get any money from me before Christmas, as I am about as broke as a person can be, and he was quite nice about it and took my card details. I would imagine I'll see from the transaction date on my statement when it comes whether it was BS or not.
It gets worse, the original problem was with the central heating. Now that's fixed my hot water's gone wrong. Quote to come and have a look £250. I'm stuffed.
So far so good - managed to speak to a plumber I know slightly, and he suggested it may have been a sticky valve. I hit it with a hammer and lo and behold - hot water returned. I'm very angry with the boiler helpline - I could have paid £250 for that.
Credit card issue
. I'm expecting a few quid in shortly, but obviously I've got the mortgage
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