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.
Can anyone offer some advice??
I recently approached A&L for £136 worth of charges and removal of 2 defaults which they placed on my credit file.
They returned £68 no questions after my prelim approach but made no acknowledgment regarding the defaults(just got the standard pre printed letters "please be assured our charges are reasonable and are competetive"..... the usual rubbish they feed their customers!).
I then sent the the lba with schedule of charges, to which I once again received the standard reply with no mention of my default.
I was wondering the legalities of their application of the default entries against me of which they had not once notified me they were going to do, I only found out this by accident when viewing my credit file.
Are they allowed to do this without notifying the customer? Also I believe what caused the default was going overdrawn caused by one of their charges but I'm not 100% as they didn't notify me!!
I'm just in the process of filling in my court claim and was wondering if anyone could offer their advice in including this in my particulars.
I have also posted in the legalities forum...
Nah no joy as yet it is a bit of a complicated one (doesn't take much to confuse me really!!) I'm not that bothered about the remaining amount more peed off with the defaults-the cheek of it!!
A&L Defaulted me!!
with schedule of charges, to which I once again received the standard reply with no mention of my default.
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