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.
Could someone point me to the right place to find out about asking for a CCA from Barclaycard Ive been looking through these forums and my head is spinning :o
I'm being pursued by a company called RMA for a £2,800 Barclaycard debt. I actually wrote to Barclaycard as soon as I knew I was going to start getting into trouble and they ignored my letters. Eventually they added charges to my defaulted payments.
The problem I have is, whilst I cant deny I spent the money, I really dont recall even applying for a Barclaycard! I have been on incapacity benefit for about 5 years and, with the help of a government scheme started up a PC Repair business. As part of that scheme I had to open a business account in joint names with the company the benefits agency used to manage the new business. A few months later after the business had started the Barclaycard came in the post. After about 6 months the original ill-health flared up again and I had to go back on benefits.
Do I ask for the cca though RMA? or Barclays? Are RMA just collecting on Barclaycards behalf or do they now own the debt? I'm really confused and not sure where to go next. RMA wont reply to my letters but insist on calling 2 or 3 times a day. Its probably not the right thing but Ive just been hanging up on them. Ive asked them to put everything in writing numerous times but they've never written back.
Can anyone point me in the rigth direction please? Thanks!
Barclaycard CCA
? Are RMA just collecting on Barclaycards behalf or do they now own the debt? I'm really confused and not sure where to go next. RMA wont reply to my letters but insist on calling 2 or 3 times a day. Its probably not the right thing but Ive just been hanging up on them. Ive asked them to put everything in writing numerous times but they've never written back.
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