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.
Im having trouble with Credit Card Company, they let me go over my limit by quite a lot. Need to know if there is some Law against this as what is the point having a credit limit if the company lets you go over then charges you every month for it, overlimit fees etc constantly and hassling telephone calls sometimes phone rings 6 to 7 times a day, they are being awful and want to know if I can do anything about it as fed up with it now.
Ringing 6 or 7 times a day is HARASSMENT and is against the law.
I suggest that you re-post this in the Debt and bailiffs forum as harrassment is one of the annoying aspects of DCAs.
There are steps that you can take to stop this.
thank you for your help will look into that, at moment have pasted letter requesting refunds into word to sort out over christmas, could do with knowing if some sort of Law or act re letting customers exceed their credit limits then hassling them
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Basically you have 2 issues,one with the credit card issuer and one with the collection agency now persuing the debts.
First port of call is the card issuer.If you do not have statements then you will need to obtain copies using a request under the data protection act.See letter in Bank temps library.
You should also send the bank/card issuer a notice under section 10 of the data protection act also in the same library.
Finally send the collection agency a letter asking them to suspend any further recovery attempts for collection due to you now disputing the account with the original creditor.If you have already payment arrangements in place and you are able to keep to this,then you should maintain it.
If you have not admitted liability for the debt then you should stress this also.
You need to await your statements then you can see exactly what is what.
The s10 notice requests that the bank/card issuer refrain from sharing/disclosing your data to third parties from hereon.
You also need to check whether correct procedures were followed ie whether you were served with default notices.
I would advise sending for your credit files to all 3 agencies experian equifax and mycallcredit.
will cost 2 quid for each one.
this should allow you to kickstart the process of dealing with both charges and debt.
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Have received a letter from Capital One, can I ask for advice please, this was after 2 letters sent to them one they received 2nd January they ignored and a recent one sent, what would you advise please, brief copy of letter below:-
Basically capital one say that retailers have a floor limit which is the amount that can be spent on a card before they have to get authorisation from the credit card provider, this is the reason I wasnt notified by them I was over my limit, so it isnt their fault, I should have checked more often.
they go on to say if you use your card to buy something less than the floor limit then they wont be able to stop the transaction. They rely on retailers seeking full authorisation before accepting the transaction and if this isnt sought the transaction will be accepted. If any customer is unsure of their balance they should ring their 24 hour a day automated service to check.
Although each fee has been charged correctly (i.e. £12.00 a time per fee x 2 each month so £24 a month since July) as a gesture of goodwill im prepared to refund £110.00 in fees to help bring your balance back below the limit. If my offer is acceptable please sign and return the settlement form ive included. Once your balance is within the limit you wont receive any more phone calls from us providing it stays within its limit.
Your account hasnt defaulted but there will be late marks recorded on your credit file. These are recorded whether we add a fee or not and we are obliged to record a true and accurate picture of how youve run your account. Because of this, I wont be removing them from your credit file.
To avoid more fees in the future, it is important you stay within your credit limit and your minimum payment reaches us every month by the due date.
You have asked us to stop adding interest to the account, Im afraid we dont do this on request but if youre having financial difficulties, please call us on 0800 9524966 so we can discuss how we can help.
If you have any further question about this, please write back to me etc etc etc or ring me. If I do not hear from you within the next 4 weeks I will consider your complaint closed.
I look forward to hearing from you.
Tell me what do you think, i.e. accept the £110, tell them no way, or accept on the basis it is for now and for now only, and I reserve the right to claim again should anymore fees be added.
Credit card debt continual phone call demands
sometimes phone rings 6 to 7 times a day, they are being awful and want to know if I can do anything about it as fed up with it now.
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