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)


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  1. #1
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    Default Vanderpelt Vs B'Card ***WON***

    Well after my win over moanament, i figured i would continue with Barclaysicon as i have an idea how they work, Or not as the case may be.

    I have worked out my Claim to £424 + £124 int (at 8% as i cant get my head around CI and to be honest just want the charges back). So that has been sent today recorded delivery so hopefully i will have it back by Feb!!!

    more to follow.

    Van

    Similar Threads:
    Vanderpelt Vs Monument "won" (5 mins before court)
    Vanderpelt Vs B'Card WON
    Vanderpelt Vs Natwest WON
    Vanderpelt Vs Cap 1 WON
    Vanderpelt Mrs Vs B'Card WON
    Vanderpelt Mrs Vs Marbles WON
    Vanderpelt Mrs Vs Cap 1 WON
    Vanderpelt Vs HFC (2 PPI, both WON)

  2. #2
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    Default Re: Vanderpelt Vs B'Card

    was it the prelim you sent today?

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  3. #3
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    Default Re: Vanderpelt Vs B'Card

    Yes i think so it is the pay me within 14 days, then i will send a lbaicon.

    sound right?

    Vanderpelt Vs Monument "won" (5 mins before court)
    Vanderpelt Vs B'Card WON
    Vanderpelt Vs Natwest WON
    Vanderpelt Vs Cap 1 WON
    Vanderpelt Mrs Vs B'Card WON
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    Vanderpelt Vs HFC (2 PPI, both WON)

  4. #4
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    Default Re: Vanderpelt Vs B'Card

    Yes it was.

    Here is the link to all the letters you will need, but any problems just ask as there is always someone around to help..

    http://www.consumeractiongroup.co.uk...lates-library/

    HOW TO...DUMMIES GUIDE TO CAG...Read here
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    Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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  5. #5
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    Default Re: Vanderpelt Vs B'Card

    Well to many things happened and stuff was left to slide (bad Van), so new SArs sent to see situation and when it has been received to court we go :P

    Vanderpelt Vs Monument "won" (5 mins before court)
    Vanderpelt Vs B'Card WON
    Vanderpelt Vs Natwest WON
    Vanderpelt Vs Cap 1 WON
    Vanderpelt Mrs Vs B'Card WON
    Vanderpelt Mrs Vs Marbles WON
    Vanderpelt Mrs Vs Cap 1 WON
    Vanderpelt Vs HFC (2 PPI, both WON)

  6. #6
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    Default Re: Vanderpelt Vs B'Card

    Hi Van,

    If you've read recent BC threads, you'll see BC are repaying charges quickly now if you're avoiding the higher interesticon.

    So I doubt you'll need to go to court at all.

    The downside of this is you won't get the full date-related 8% s.69 int't.

    On the upside, they'll probably give you a flat 8% bonus.

    Use this letter for the Prelim and lbaicon - http://www.consumeractiongroup.co.uk...RD-letter.html

    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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  7. #7
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    Default Re: Vanderpelt Vs B'Card

    Well i have sent off the wifes lbaicon so that should hopefully pay that off, just need to do mine and get this all done. :P

    We can finally see the end of the tunnel,

    Vanderpelt Vs Monument "won" (5 mins before court)
    Vanderpelt Vs B'Card WON
    Vanderpelt Vs Natwest WON
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    Vanderpelt Mrs Vs B'Card WON
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    Vanderpelt Mrs Vs Cap 1 WON
    Vanderpelt Vs HFC (2 PPI, both WON)

  8. #8
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    Default Re: Vanderpelt Vs B'Card

    Good,

    Let us know if there's still a light left on there.



    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.

    If I've been helpful, please click my scales.

  9. #9
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    Default Re: Vanderpelt Vs B'Card

    Just had a response from them in regard to the request they have offered £155 back (asking for£800) so do i go for the lbaicon saying Jog on thanks

    or just straight to court :P

    Vanderpelt Vs Monument "won" (5 mins before court)
    Vanderpelt Vs B'Card WON
    Vanderpelt Vs Natwest WON
    Vanderpelt Vs Cap 1 WON
    Vanderpelt Mrs Vs B'Card WON
    Vanderpelt Mrs Vs Marbles WON
    Vanderpelt Mrs Vs Cap 1 WON
    Vanderpelt Vs HFC (2 PPI, both WON)

  10. #10
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    Default Re: Vanderpelt Vs B'Card

    Hi VDP,

    If they fail to reply within 14 days, or they offer you a silly amount as they have done here, send the lbaicon.

    If they fail to repay in full within 14 days, File on Form N1 at your local court.



    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.

    If I've been helpful, please click my scales.

  11. #11
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    Default Re: Vanderpelt Vs B'Card

    Ok Quick Update on my two B'Card cases (one mine one the wifes)

    We have drafted a bugger off letter to them for there offer (it says take as a part payment but we want the balance and gives them 14 days, so i am sure we will go to court for that one.

    However we have gone over the 40 day DPA timescale, (day 41 now) so sending a give me info in 14 days otherwise i sue!

    So heres hoping.

    Van

    Vanderpelt Vs Monument "won" (5 mins before court)
    Vanderpelt Vs B'Card WON
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    Vanderpelt Vs Cap 1 WON
    Vanderpelt Mrs Vs B'Card WON
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    Vanderpelt Mrs Vs Cap 1 WON
    Vanderpelt Vs HFC (2 PPI, both WON)

  12. #12
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    Default Re: Vanderpelt Vs B'Card

    All done and dusted now, for the price of 6 1st class stamps we have recieved all but the interesticon we were asking for (which is good enough for me!).

    thanks all

    Vanderpelt Vs Monument "won" (5 mins before court)
    Vanderpelt Vs B'Card WON
    Vanderpelt Vs Natwest WON
    Vanderpelt Vs Cap 1 WON
    Vanderpelt Mrs Vs B'Card WON
    Vanderpelt Mrs Vs Marbles WON
    Vanderpelt Mrs Vs Cap 1 WON
    Vanderpelt Vs HFC (2 PPI, both WON)

  13. #13
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    Default Re: Vanderpelt Vs B'Card

    Quote Originally Posted by Vanderpelt View Post
    All done and dusted now, for the price of 6 1st class stamps we have recieved all but the interesticon we were asking for (which is good enough for me!).

    thanks all
    Well done Vanderpelt, you need your thread title changed to *WIN*

    S.

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  14. #14
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    Default Re: Vanderpelt Vs B'Card

    And done :P

    Vanderpelt Vs Monument "won" (5 mins before court)
    Vanderpelt Vs B'Card WON
    Vanderpelt Vs Natwest WON
    Vanderpelt Vs Cap 1 WON
    Vanderpelt Mrs Vs B'Card WON
    Vanderpelt Mrs Vs Marbles WON
    Vanderpelt Mrs Vs Cap 1 WON
    Vanderpelt Vs HFC (2 PPI, both WON)

  15. #15
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    Default Re: Vanderpelt Vs B'Card ***WON***

    Congrtulation Vanderpelt on your WIN.

    Your thread title has now been changed.

    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.

    If I've been helpful, please click my scales.


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