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.
ive just finished paying a DCA for debts with next in mine and my partners name, ive just read someone say that next had no credit agreement which im sure is the same in our case, im guessing its too late to do anything about this?
I think the first thing you need to do is establish if a credit agreement existed. You need to request a copy of this under the consumer credit act. This will cost you £1. You also need to find out if there were any charges levied on your account, make this request under the data protection act Subject access request. Once you have this information you may at least be able to claim back any charges. I have received confirmation that there is no agreement on my wifes account and am looking at getting the debt dropped as it is unenforceable. Now this is where i get a bit foggy but i know someone will know more, but i think you may be able to reclaim what you have paid as the debt was unenforceable. If i am wrong you have my apologies. Good luck
Sorry but could someone explain this a little more as I have a CCJ put on me by Next for the measly sum of £175. I have been instructed to pay £50 per month to pay it off which I cannot afford and despite the lovely guy in the court bailiff office ( I know, contradiction in terms for bailiffs but the guys in my local area really DO help people) cannot understand why this has happened as he was with me when I filled in the forms before Christmas to state the above.
Please could someone advise, eternally grateful xx
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for debts with next in mine and my partners name, ive just read someone say that next had no credit agreement which im sure is the same in our case, im guessing its too late to do anything about this?
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