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.
Has anyone claimed contractual interest on a Credit card & won from BOS. I've had an offer, but they won't pay contractual or so they say, be interested to know if anyone has won one or if this is standard with BOS.
A click on the scales below is appreciated if my posts were helpful
Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.
Sarah PLEASE DONATE IF SUCCESSFUL - Every little helps
PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! Thank you.
A click on the scales below is appreciated if my posts were helpful
Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.
Sarah PLEASE DONATE IF SUCCESSFUL - Every little helps
PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! Thank you.
FWIW Andrew, I had a small win with a BOS Mastercard. Settled in full. £75 charges, £30 contractual interest, £40 costs. Settled after Default Judgment.
A click on the scales below is appreciated if my posts were helpful
Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.
Sarah PLEASE DONATE IF SUCCESSFUL - Every little helps
PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! Thank you.
They will pay contractual mate. They have to. They'll tell you they won't pay it, but, lets face it, they'll tell you anything to try and make you back down.
CAPITAL ONE :DPA/S.A.R - 06/03/07
PRELIM - 12/04/07
LBA - 27/04/07 (ignored)
COURT PAPERS FILED - 14/05/07
If I've been any help please click the scales and let me know.
Whilst only too happy to help in any way I can, any advice given by me is done in a completely lay capacity and has been gathered either from research on this forum or from personal experience. I am NOT a lawyer...... IF IN DOUBT SEEK PROFESSIONAL ADVICE...........
Yeeeehhaaaa! it's taken 20 months BUT I WON got it all back...+ Contractual interest @19.95%
only £400 but it's MY £400..... Buggers have put this account through Blair Oliver & Scott & Moorcroft and I've had to put up with all their sh1te.. none of them have come up with an agreement nothing, so I wrote to BOS and added a nice little rider along the bottom of my letter:
" Inspired by the Cabot Fan Club - Google them, Ignore them, get what's coming to you!" I also stuck a CAG Sticker on the envelope!
I should get compensation for all the bull they have flung at me, phone calls the lot.. so stupid and petty they have been too, I had an isolated charge of £20 dating December 2000 with months either side of no charges ( I was good then ) and they quoted the Limitations of 6 years so knocked it off the amount...must have cost them that £20 to type the sentence telling me...Pity I put my claim in first in September 06 isn't it - so I have requested it ALL tight gits....
MODS put this one in the WIN BOX Please.. and for all of you THANKS Couldn't know what I do without all and everyone that has gone before and sadly left us too - special thanks to Vampiress too if she's watching, I've actually cracked your spreadsheets now my lovely !
A click on the scales below is appreciated if my posts were helpful
Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.
Sarah PLEASE DONATE IF SUCCESSFUL - Every little helps
PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! Thank you.
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
I'm a true CAGGER and a proud member of the notorious Cabot fan Club..sticking with it is what annoys these banks and DCA's the most..but that's what wins over !
A click on the scales below is appreciated if my posts were helpful
Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.
Sarah PLEASE DONATE IF SUCCESSFUL - Every little helps
PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! Thank you.
Hello Sarah, Andrew1 and others. Great news this week on BOS loan with credit card. Debt was being chased so nastily by Blair Oliver Scott. Charges refunded. Two sets of PPI on card and loan now refunded (Yes two loads of PPI on one application form - they were sooooo greedy). That particular debt cleared and some!!!
(ps Sarah and Andrew1 are one and the same - don't ask )
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
(ps Sarah and Andrew1 are one and the same - don't ask )
Maybe it's cos I like cross dressing - let the whole world know This was supposed to be a secret Steven - my cover
Sarah xx
Congrats sweetJane that's a good victory. Tell me, was this a Preference Account -a loan on the same agreement document as the additional couple of grand Card which they document all on one document, but have a regulated agreement one half of the page and on the other the card?
A click on the scales below is appreciated if my posts were helpful
Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.
Sarah PLEASE DONATE IF SUCCESSFUL - Every little helps
PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! Thank you.
This was supposed to be a secret Steven - my cover
Sarah xx
Sorry, thought everyone knew
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Maybe it's cos I like cross dressing - let the whole world know This was supposed to be a secret Steven - my cover
Sarah xx
Congrats sweetJane that's a good victory. Tell me, was this a Preference Account -a loan on the same agreement document as the additional couple of grand Card which they document all on one document, but have a regulated agreement one half of the page and on the other the card?
Exactly Sarah blue document customer copy. Credit Agreement on left for loan with single premium PPI "Creditcare Bronze" / line down the middle and right side was a card with so called Preference Account for credit card and ppi on the balance (didn't even know we were getting a card - we'd applied for a loan).