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

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  1. #1
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    Default Barclaycard:Filling out an Allocation Questionnaire ***WON***

    Hi

    I have two claims going through with Barclaycard for unfair charges. The stage that I am at (with both) is that I have sent all the normal letters and started a claim with MCOL. A defence has been filed by Barclaycard in both cases. I have now received an allocation questionnaireicon from the court but want to get this exactly right before I send it off.

    These are the questions asked:-

    A Settlement
    Do you wish any further action in this claim to be postponed for one month so that you and the other party can attempt to settle the claim either by informal discussion or by alternative dispute resolution? Yes/No

    B Location of hearing
    The hearing will be heard in the court to which this form must be returned. Is there any reason why it should be transferred to another court to be heard? (My local court - so O.K.)

    C Track
    Do you agree that the small claims track is the most suitable track for this claim? If No, please say why

    D Witnesses
    So far as you know at this stage, how many witnesses (other than yourself) do you intend to call to give evidence at the hearing (none)

    E Experts
    Do you want permission to use an expert's report at the hearing yes/no

    If yes, what will the expert's evidence deal with?


    Have you already obtained an expert's report? (No)


    In addition to using an expert's report do you want your expert to attend the hearing and give evidence yes/no

    If yes, give the reasons why you think their attendance is necessary


    The court may order the appointment of a single expert who can be instructed by both parties. If this would not be appropriate, please say why

    Hearing
    Just asking what dates you are not able to attend in next four months

    G Other Information
    In the space below set out any other information you consider will help the judge to manage or clarify the claim, including any other information you consider should be supplied by the other party



    Any help/comments would be appreciated
    Thank you Hattie

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  2. #2
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    Default Re: Barclaycard:Filling out an Allocation Questionnaire

    Hi Hattie,

    A No
    B Local Court
    C Yes
    D None
    E No
    G Leave unless using Draft Directions from site

    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.

  3. #3
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    Default Re: Barclaycard:Filling out an Allocation Questionnaire

    Thank you for your quick response - I'll get that posted off tomorrow and let you know the outcome. Hattie


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    Default Re: Barclaycard:Filling out an Allocation Questionnaire

    Hattie,

    Here's the link that should confirm what you need.

    Section G, which would include the Draft Directions relevant to BANK charges cases is less relevant to your claim with BC, as BC are now more ready to negotiate before court date if your claim is straightforward - ie. doesn't include claim for CI/CCI, and only includes s.69 interesticon.

    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.

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

  5. #5
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    Default Re: Barclaycard:Filling out an Allocation Questionnaire

    Hi

    I received a letter from Barclaycard shortly after I received the allocation questionnaireicon from the court (i had not sent it back off) - they have offered me 428.07 out of my original claim of 1049.42 (including interesticon both amounts).

    The day after I received a letter from Barclaycard re my mastercard charges (different claim) saying that that particular claim has been stayed - amount of claim 1714.48 including interest.

    Should I refuse the payment (have until 5th Dec to decide) and wait the course?
    What grounds can I apply for the stay to be lifted re the second BC claim?

    Thank you for any help
    Hattie


  6. #6
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    Default Re: Barclaycard:Filling out an Allocation Questionnaire

    Hi Hattie,

    Here is the link I left off my last post - http://www.consumeractiongroup.co.uk...ompletion.html

    Reject the offer by adapting and sending letter 5 from here - http://www.consumeractiongroup.co.uk...ng-offers.html

    Use the part which deals with "... you've credited my a/c....."

    If your para's 2 & 3 relate to the other claim, please d/w it on the other thread - I'm easily confused !! lol

    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.

  7. #7
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    Default Re: Barclaycard:Filling out an Allocation Questionnaire

    I faxed the adapted letter off to Barclaycard refusing their Full and finalicon settlement this morning. I had a phone callicon from Barclaysicon Litigation Department (was not convenient to talk) so they are calling me back at 12.00 today!! I wonder if it is a better offer. Part of the fees in question are cheque handling fees e.g. withdrawing cash from a credit card - are they likely to throw that at me?
    Hattie


  8. #8
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    Default Re: Barclaycard:Filling out an Allocation Questionnaire

    It's only the UNLAWFUL chgs that you'll get back.

    Late pay't fees, over limit charges, etc.

    Make sure you DON'T agree to anything on phone unless you're 100% sure.

    Much better to get them to confirm anything in writing by fax or email so you can consider and respond appropriately.

    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: Barclaycard:Filling out an Allocation Questionnaire

    HI

    Just to say I am still in negotiation with Barclaysicon (BC) - the litigation department said that they do not have all of my statements and am unable to get them from BC(!) but if I supply them they will pay all of the charges back. They even said themselves that it is ridiculous that they are having to ask the customer for them rather than BC - VERY ridiculous I would say - however, if it gets the right result I'm happy to do some photocopying and get the copy statements off to Barclays Litigation Dept.

    Thanks for your help. I'll let you know the final outcome. Hattie


  10. #10
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    Default Re: Barclaycard:Filling out an Allocation Questionnaire

    Hattie,

    My inclination would be to tell BC you'd like a fax or email from them which confirms:-

    1) That they can't obtain copy state's or a/c info quickly and require you to supply this.

    2) That they agree to refund in full the disputed chgs.

    I would send them a copy of your SOC showing any chgs which you no longer wish to claim (re cheque handling fee as mentioned above).

    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: Barclaycard:Filling out an Allocation Questionnaire

    Hi
    BC paid all the charges minus the cheque handling fee charges (of which I was pushing my luck!)

    All done and dusted so that was a good outcome.
    Thank you for your help. Hattie.


  12. #12
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    Default Re: Barclaycard:Filling out an Allocation Questionnaire

    Hattie,

    Delighted to hear this result - Congratulations.

    Will get title changed to show you've **Won**, and please make a site donationicon if you can.

    Well done, 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.

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


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