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 am struggling to keep up payments with this catelohue and though I would send them an email to ask if I could make a weekly arrangement of £10 to pay of the balance and asks them to stop any charges etc whilst payments are being made. Not a high balance but thought been with them a few years had no problems before they would be understanding............ ....WRONG!
Received a reply saying yeah we can make a monthly arrangements thats works out the same amount....great I thought......yeah we won't add any charges......superb I thought .....then we will add a £64 charge for letting you do this.....DO not think so ..........
I wanted to pay this.... i ordered the goods and willing to pay for them and had no problems so far so thought they would be understanding but don't agree with the £64 charge.
Can someone make sure I am doing the right thing......
I have sent an email back saying I would only go ahead with the arrangement if they waive the £64 and if not will forward a CCA request?
Well I sent of CCA letter on the 20th and received a statement today and also a letter saying I have fell behind in my arrangement? never actually agreed to go ahead with arrangement as they wanted to add interest and charges.
Should I respond or just wait for a dedicated reply to my CCA request?
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Can anyone point me in the direction of a letter to send to treliable collections. who are sending me letters to demand payment on behalf of great universal, to advised them that the account is in dispute (waiting on cca)
thanks
ida
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It has come to my attention that the debt alleged by xxx may contain a high proportion of unlawful charges.
I have issued my concerns with Great Universal regarding this account and as they are aware that this account is in dispute they should not have passed this account to yourselves, for this act alone is in breach of the Office of Fair Trading guidelines concerning legitimately disputed debts; if you act on their instruction you may be party to this also.
Therefore please accept this letter as written confirmation that the account is “in dispute” until this matter is resolved.
Yours Sincerely,
Your name
Adapt it to suit your own circumstances - post on here and people can have a look for you, if that helps.
All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.
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When I just looked at the last letter to get the address to send above letter I have notcied that they have used the £1 postal order I sent with CCA letter they have credited it to the account. I s there a ltter I can send back saying "you idiots, the £1 postal order was for CCA which is clearly stated in letter"
Any advice please?
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When I just looked at the last letter to get the address to send above letter I have notcied that they have used the £1 postal order I sent with CCA letter they have credited it to the account. I s there a ltter I can send back saying "you idiots, the £1 postal order was for CCA which is clearly stated in letter"
Any advice please?
Not your problem what they do with the £1 - you sent it for a specific purpose. Ignore it you will ehar soon enough.
Ok Gizmo, thanks for the qucik response, click, click
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ok still nothing exceot you have ignored us and we are angry . clocks ticking as cca letter sent 20/02 and recd 21/0.
tick tock tick tock
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ok update,
they have sent me letter saying basically we do not need to provide you with the original or photocopy qith your signature and tell us what you want to do next about payments. I have scanned the letters but do not know how to upload on the threads
any advice please?
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Absolutely - they have now defaulted on the CCA request, so the debt is unenforceable as it stands - IMO, do not contact them again until the 30 days have elapsed and they have commited an offence - then send them the standrad CCA non-compliance letter.
All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.
so so i still send cca non compliance letter even tho they have said they do not need to send me a credit agreement with my sig. They also state in their letter that they will enter a default
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Since when do geat universal decide the law? I would suggest you look at the OFT websie and particularly at the 1974 Consumer Credit Act - you will see they have to comply.
Don't let them fob you off!
All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.
thanks tiglet....... when they respond you get a wee bit insecure. I want to pay my debts but not with charges and interest added etc.They have even asked me to provide a settlement figure for them to consider.
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IMO, they know they are in the wrong. You could fight it out, or work out a settlement figure. what do you think you owe? What are you prepared to pay, more to the point?
The power is now in your hands ...
All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.
i know there is a difference of opinon regarding what to offer as Full and final i could probarbly scrape about 20% togther so I will send a letter off with that and see what they say,
at least then it will be closed
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i know there is a difference of opinon regarding what to offer as Full and final i could probarbly scrape about 20% togther so I will send a letter off with that and see what they say,
at least then it will be closed
As much as 20% ? They can't prove you owe them any debt! - Like to see what a judge would say if they tried it....Start at 10% if you want to pay anything, see what they say....
If the Banks maintain their charges are transparrent and fair, then why appeal against the decision which allows them to be investigated?
hiya, thanks on second thoughts just going to leave it until they can produce the non-existant agreement, they are wanting me to respond to see what I am going to do. Can they issue a default notice if they cannot provide the agreement?
cheers
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hiya, thanks on second thoughts just going to leave it until they can produce the non-existant agreement, they are wanting me to respond to see what I am going to do. Can they issue a default notice if they cannot provide the agreement?
cheers
Not whilst they're in default they can't , no.
If the Banks maintain their charges are transparrent and fair, then why appeal against the decision which allows them to be investigated?
Great Universal ........
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Originally Posted by ida5921
