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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    Default Refused a balance transfer

    Hello all - i have just applied for ( and received) a Barclaycard offering 0% interesticon so that i could transfer the balance from another card, however Barclaycard have refused to allow me to transfer the balance. What would the reason be for this?

    Sorry if i am being a bit dim!

    Regards Sandbag.

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  2. #2
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    Default Re: Refused a balance transfer

    Does the balance transfer exceed £5,000 or 90% of your credit limit?


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    Default Re: Refused a balance transfer

    Hi Rory - no the balance transfer is less than the credit limit that Barclaysicon have offered me.

    Thanks Sandbag.


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    Default Re: Refused a balance transfer

    If you are a new user they sometimes heavily limit balance transfers (not sure why). Perhaps that could be the reason. Have you phoned Barlaycard and asked them why?


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    Default Re: Refused a balance transfer

    Hi Rory - thanks for your reply. I will phone them and find out why.

    Thanks again
    Sandbag.


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    Default Re: Refused a balance transfer

    Hi Sandy,

    Nice to see a name from the chatroom.

    Yes, try phoning them and be very nice (not being funny).

    You may get more info from them being pleasant and not irate.

    Seeing your various threads, it may be worth asking if anything adverse has shown up on your credit rating - may also be worth taking a look at it yourself to see if anything shows that is not in YOUR name.

    It's odd that they've issued the card then refused the transfer.

    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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    Default Re: Refused a balance transfer

    If you have online access to your new account, then it will tell you the amounts you can transfer, draw cash etc?
    How did you request the transfer?
    Is the old balance with a Barclaysicon credit card?


    Consumer Health Forums - where you can discuss any health or relationship matters.

  8. #8
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    Default Re: Refused a balance transfer

    Hi all - thanks for your replies.

    I find it odd that i cannot transfer a balance from another card. The card i want to transfer a balance from is my Eggicon card not another Barclaycard. I tried to arrange the transfer online.
    Thank you for requesting an online balance transfer.

    I regret to inform you that we are unable to process your request
    for a balance transfer. For further clarifications regarding your
    request being declined, please contact Barclaycard Customer Services
    on 0870 1540154, or from abroad on ++ 44 1604 230230. When calling
    the Customer Services number, press 0 and you will be transferred to
    a Customer Account Manager.

    The above is what was e-mailed to me. I suppose i will just have to call them
    - i just wanted a lower interesticon rate lol.

    Thanks for all your replies,
    regards Sandy



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