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 thought I'd read everything I had to before sending my intial letter requesting payment, however, I'm Scottish and just discovered that I can only claim back for the last 5 years but I've claimed for 6 and have just received their standard refusal letter.
Can I have some advice on what to do now. Ironic thing is most of the money I'm claiming was for the period between 5 and 6 years ago when we were in real financial difficulties.
The other thing I'm thinking is that maybe they'll make me an offer less than I'm claiming when I send the next letter, I noticed they've done that with a fewer other people. So, what are the chances of them not realising I'm claiming outwith the time limit and maybe offering me something more than the last five years without realising it. Ha! pigs might fly.
You can claim back 6 years by issuing a claim in England.
Either by:
1. Using an address in England (friend or relative) for documents to be sent to.
2. Filing at the court local to HSBC registered office. See this thread on how to do it: http://www.consumeractiongroup.co.uk...ight=London+CC
In the unlikely event that it ever came to court, you would have to travel to England to attend.
Help - Have I Blown It
ago when we were in real financial difficulties.
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