Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    Question Barclaycard T&C's

    I read somewhere here that when you don't have a valid card (out of date) and not replaced that the t&c's no longer apply, has anyone found out if this is true or not, i would guess it's for the whole account and nnot just the card, just seeing if there any clarification?

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  2. #2
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    Default Re: Barclaycard T&C's

    lol 7 months later and still no answer

    If my advice has been helpful please feel free to click on my scales :grin:

    Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

    Debt Collection Agencies & Statutory Demands, a few strategies

    Abbey charges, Won
    B-card non-disclosure of S.A.R, WON £30 costs awarded
    B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk...ml#post1422508
    B-Card charges, partial refund, still fighting
    Vanquis-Cabot, GIVEN UP
    HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk...ml#post1404514

    PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

  3. #3
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    Default Re: Barclaycard T&C's

    Hi MrM,

    I've just replied to your other thread.

    Can you please stick to one so we can follow your case easily.

    Thanks, Slick

    Link 1. OFT Debt Coll'n Guide - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf
    Link 2. Checking your credit Agreement - http://www.consumeractiongroup.co.uk...greements.html
    Link 3. Interest Tutorial - http://www.consumerwiki.co.uk/index....erest_Tutorial
    Link 4. OFT Guide re s.78 CCA1974 Requests - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT1272.pdf

    Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE