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.
There are relevant templates in the template section.
Have a look thorugh the letters and see what is of use to you
there is also a budget planner / statement you can use
I thought that too.
I thought the links are dead, but when I closed the browser window much later I found the documents as icons on my desktop.
Sometimes the docs are downloaded to your desktop without any notification
That's what happened in my case ( I use Apple Mac and Safari and Camino as Browsers)
I am currently attempting to negotiate with MBNA to get them to freeze my interest and lower my monthly payments.
Is there any Excel template that I can use to show how much I earn per month, minus my outgoings? Similar to the bank charges excel template.
I also need to know what the terms are for acceptable outgoings? i.e. what do I call food and travel, things like that.
Cheers,
Jase.
From experience, MBNA will want massive payments and won't stop the interest! If there's unlawful charges these can be reclaimed. As for acceptable outgoings, my CCCS advisor told me straight off that your outgoings are what you have outgoing and that includes pleasure and socializing. In my experience (depending on your circ's of course) you'ld be better waiting 'til they sell the account to Wescott if things are very bad.
Have you sent them the CCA request? Might be worth a go?
Good luck, Dave.
If my post was helpful don't forget to click the star!
Advice is offered freely, without liability and without prejudice.
If in any doubt professional legal advice should be sought.
I do not profess to be in any way legally trained, I am a big
oily truck driver and all I know has been learned within the
Consumer Action Group.
Debt Negotiation
to get them to freeze my interest
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Originally Posted by Jase1982
