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 got a copy of my Experian Credit report today and I have a few questions I was wondering if someone could help me with:
Firstly, all my credit cards now have "arrangement" or "debt management" program" beside them since I started on my debt management program. Are these as bad a defaults or once I've settled the debts does that disappear?
Secondly my Bank of Scotland Current account has defaulted me on a £1600 overdraft from which I am claiming £4000 in charges. I intend to get this removed as part of the process of claiming the charges. However, I also have a Bank of Scotland loan of roughly £2000 which was debited out of my current account each month, would I be able to push them to remove the one on the loan as well?
Halifax Credit Card - claimed £404, settled at £387.50
BoS Current Account - £3600 claimed successfully, working on default removal
BoS Loan - Default removed
Vodafone - Default removed
ex-Landlord - successfully got him to drop his counter-claim, settled out of court after 3 hearings
credit report
" program" beside them since I started on my debt management
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