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.
Spurred on by the encouragement from your site and the receipt of some of my statements from Yorkshire Bank I decided to go after some of the other institutions that have made a nice living from my charges.
I started a small business 8 years ago and needed 3 cars. I went to Carcraft - don't laugh. 2 cars were obtained through Black Horse Finance and one with AFS.
After about a year I ran into difficulties and contacted each of them to try to negotiate a reduced payment. Neither was prepared to do this so the charges started.
I found an old letter from BH advising of an irregular collection activity charge of £168 - I think all they did was write to me.
Black Horse Finance - DPA request sent 18th May = nothing heard yet
AFS Finance - DPA request sent 18th May - nothing heard yet Amex - DPA request 18th May - reply asking for proof of ID - sent but no response to that yet Yorkshire Bank - lba sent last week
Me v Black Horse Finance
I decided to go after some of the other institutions that have made a nice living from my charges.
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