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.
go down to the other institutions page and have a look on page two and there are a couple on there. Have a good look around there as Amex seem to be very strict and if you owe them money they issue default notices without warning etc and get a bit heavy. See if you can pm people who have dealt with them for some further info on how they progressed