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.
Hope someone can help us, we got double glazing fitted in 2003 with finance arranged through GE Capital, we had no probs, payments were being made every month through direct debit with our bank, we then moved house in Aug 2005 (day before we got married) we did'nt inform GE Capitol of our change of address as payments were still coming out of bank. We then changed bank and part of the new banks policy was that they would do all the direct debit transfers for us i.e gas, electric,e.t.c. Everything seemed to be up and running, no probs with new bank, stupid as it seems we did not check our bank statements and it seems that the GE capitol direct debit was not set up. We did'nt realise this until our ex neighbour brought us some mail from previous address and it seemed that after three months of no payment being made to the windows Ge Capital had sent the account to Link Financial. We went to the bank and demanded to know why this direct debit had not been set up and it turned out that GE Capital would not accept the new direct debit mandate, when we phoned Ge we were informed that because we had not informed them of our change of address they were within their rights to pass the account to Link. Now we are getting daily phone calls from Link, if we dont answer they leave messages. They are demanding we pay or they will take us to court and adding on interest. I told them to stop phoning as this was harrassment, because we had a solicitor friend who was acting on our behalf to try and resolve this, now they have started phoning again and totaly disregarding the advice from our friend (solicitor). Our friend told us that this company buy debts and add on loads of interest. We want to pay what we owe, because we do still owe money on the windows even though we dont live there anymore, but we dont want the harrassment. Can anyone help us in trying to resolve this as we dont want to be blacklisted as Link said would happen. Thank you. A bit long winded but i've tried to explain the situation.
Re: link financial problems re double glazing debt
Have you checked your agreement with GE to see what the situation is in the
event of you selling your house? And change of address.
If there is nothing in the contract about that, why not contact GE, advise
them of your new address, explain that before the move your payments had
gone through ok, and had they not refused the new d/debit mandate, all
your subsequent payments would have gone through without problem.
Ask to set up a new d/d and start afresh.
link financial problems re double glazing debt
Hope someone can help us, we got double glazing fitted in 2003 with finance arranged through GE Capital, we had no probs, payments were being made every month through direct debit
with our bank, we then moved house in Aug 2005 (day before we got married) we did'nt inform GE Capitol of our change of address as payments were still coming out of bank. We then changed bank and part of the new banks policy was that they would do all the direct debit transfers for us i.e gas, electric,e.t.c. Everything seemed to be up and running, no probs with new bank, stupid as it seems we did not check our bank statements and it seems that the GE capitol direct debit was not set up. We did'nt realise this until our ex neighbour brought us some mail from previous address and it seemed that after three months of no payment being made to the windows Ge Capital had sent the account to Link Financial. We went to the bank and demanded to know why this direct debit had not been set up and it turned out that GE Capital would not accept the new direct debit mandate, when we phoned Ge we were informed that because we had not informed them of our change of address they were within their rights to pass the account to Link. Now we are getting daily phone calls
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