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 understand that if I have had
no contact for over 6 yrs the debt
becomes unenforceable and is
statute barred.
So how would I go about reclaiming
the charges,as,if I understand correctly,
sending them S.A.R or even C.C.A
request letter to the D.C.A would restart
the 6 year time counter.
any info would be appreciated
According to B/card (even though there's some considerable doubt about that), they only introduced charges mid-01. Therefore, you wouldn't have charges, would you?
Secondly, even if B/card weren't being totally pig-headed about sending out the information (which they are), I doubt that they will have kept the information going back further than 6 years.
Thirdly, even if you could get the informtion and you had been charged, is the amount of money that you were charged MORE than the debt you are avoiding? Because if it's not, why on earth would you want to re-open that can of worms? Whatever you reclaim would get swallowed straight back by the debt, and you'd have to pay the reminder. :-?
Apologies to people who I was in the process of helping, I may be gone some time.
I have had demanding letters from
Robinson,Way&Co over the last
18 months or so who are still
chasing the debt and it would appear
that even after they bought the debt
from Barclaycard the charges were still being added
If they're still chasing you for the debt then send them a CCA for a true signed copy of the contract. Without the contract the debt is unenforecable (I think) and chances are they cant provide it
Victory over Lloyds PPI claim £2606 click! Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06) The GF's battle against RBS click! stayed awaiting the end of the world
Victory over Lloyds PPI claim £2606 click! Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06) The GF's battle against RBS click! stayed awaiting the end of the world
Barclaycard question
the debt
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