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.
OK, where do I start. Right so I took a barclay card out in April 2005 with a limit of £260 Simple, easy just to beable to build up credit and have a lil extra whilst in Uni ... that didn't last long . I had the card, used it, made the first payments on time every month, then finally £2 over the limit, and BAM £50 in charges. Had to be cleared by due date, THEN another £25 charge, paid off about £40, then that was it, it just spiralled into an absolute mess. Today, after never ever ever using the card again, the card now stands at £877.43 with 3 registered defaults against me on that one account :? . I've only spent £260 of it :-|. Thing is, i've actually spent more trying to pay it off that I would have actually cleared the amount that I spent :-| It amazes me when they call me and tell me, please don't use the card any more .. i'm thinking to myself, are these people for real :? I'm stuck because I don't believe I should pay £ £600 in charges which they are defaulting me for. I accept and take responsibilty with the card but the charges, I can't accept that
I had a similar situation with B'Card.... Only I ran it up, then could not afford to pay it back. I eventually did after having 25% of the debt written off...
Now to add insult to injury I am reclaiming the charges levied on the account, which is acceptable..
PINKPETAL
Lloyds TSB (1) Statements received LLoyds TSB (2) Statements Received LLoyds TSB (3) Statements received Halifax Credit Card (1) Statements received Halifax Credit Card (2) SARS request Sent RBOS (Halifax) Credit Card (3) SARS has Elapsed, on 54 days now Barclaycard - Goodwill offer of £264.00
Karma1 V BarclayCard
Simple, easy just to beable to build up credit and have a lil extra whilst in Uni ... that didn't last long
. I had the card, used it, made the first payments on time every month, then finally £2 over the limit, and BAM £50 in charges. Had to be cleared by due date, THEN another £25 charge, paid off about £40, then that was it, it just spiralled into an absolute mess. Today, after never ever ever using the card again, the card now stands at £877.43 with 3 registered defaults against me on that one account :? . I've only spent £260 of it :-|. Thing is, i've actually spent more trying to pay it off that I would have actually cleared the amount that I spent :-| It amazes me when they call me and tell me, please don't use the card any more .. i'm thinking to myself, are these people for real :? I'm stuck because I don't believe I should pay £ £600 in charges which they are defaulting me for. I accept and take responsibilty with the card but the charges, I can't accept that
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Re: Karma1 V BarclayCard
