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 have a HP agreement with Capital bank that are part of the royal Bank of Scotland.
Due to one reason or another, ours when we have had no money, and theres when an inputting error, changed the DD date to one that we wasnt paid in time to meet,then my hubby being off ill and not getting paid etc etc, we have been charged loads prob over £1000. We have a baby due soon and am sure this would be very handy.
The agreement was originally for 3 years and we have 18 months left. I dont know if to try and claim these charges back as will they terminate the agreement, or do i wait 18 months, and hope that nothing happens to make you ot be able to ask for them back.
We dont have a good credit rating and no deposit or money for another car, so need to keep this one.
Rbs Partner Compnany - Car Finance
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