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.
Bank of Scotland (BoS) sent me a letter offering me £58 in Full and final settlement after I sent them the letter before action (LBA). This £58 was the full amount I was claiming so I was excited to accept it and not have to go to court.
I filled out their acceptance form, changing it to reserve the right to contest future unfair charges and sent it away. It was after postng it that I remembered that this means by not taking them to court and accepting their offer, they're not going to remove the strike against my credit report.
Is there ANYTHING I can do now, or do I have to accept that I can't get my credit report changed now?
All is not lost.
First, try writing to them and asking them to remove the default as it was due to unlawful charges which they have now repaid to you.
Point out that you accepted their gesture of good will, thus saving them the expense of a court case, so would they be prepared to remove it to avoid the necessity of another court action.
If that doesn't work then it may well have to be court. In that case I suggest that you post this question in the Debt and bailiffs Forum as default notices figure heavily in the DCA's armoury. There are users there who will be able to help you.
Made a stupid oopsie - advice please
(BoS) sent me a letter offering me £58 in Full and final settlement after I sent them the letter before action
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