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 Barclaycard - RMA - CLOSED ACCOUNT WITH £3000 OUTSTANDING

    Hi all
    wondering if anyone has any advice for me here.Basically i had a Barclaycard debt passed onto RMA collection 2 years ago,was around £4500.I was paying every month without fail £100 then found out RMA were creaming £30 of that every month.

    To cut a long story short after i CCA'd RMA and sent threatening letters to them with regards to the harrasment they were giving me, the debt was passed back to Barclaycard with a debt of £3000.I was quite happy paying every month until i found out RMA were ripping me off.

    After speaking to Barclaycard they said the account was yet to be passed onto another collection agency.Since then my credit file now says the account has been closed with a outstandind debt of £3000 which doesnt look good on my file.

    Whats best to do ? Just leave it and hope BC do nothing,it will still be on my file. Or do you think BC would accept a settlement.I am unaware they have done this before.

    Thanks

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  2. #2
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    Default Re: Barclaycard - RMA - CLOSED ACCOUNT WITH £3000 OUTSTANDING

    Hi Ginger,

    Take a look here for starters - http://www.consumeractiongroup.co.uk...ider-info.html - this is, however, just someone's advice/opinion.

    There are various aspects here to be considered:-

    1. BC can sell/pass this debt on for more aggressive collection.

    2. Have you asked them to freeze the interesticon and accept a monthly pay't.

    3. The debt remains unpaid so will show as a Default against you.

    4. I assume the CCA to the DCAicon produced nothing. Have you CCA'd BC direct.

    I'll seek some further opinion as well.

    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