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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    Wink Love Bug v Bcard

    Hi everyone.started against Bcard.Got a list of the charges.Then send of letter asking for the 390 back.Got back a letter saying sorry u feel upset and we put £96 in your account and we consider this matter closed.Can someone help because this is a very low amount.

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  2. #2
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    livelylad Authoritative livelylad Authoritative livelylad Authoritative livelylad Authoritative livelylad Authoritative livelylad Authoritative livelylad Authoritative livelylad Authoritative livelylad Authoritative livelylad's Avatar

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    Default Re: Love Bug v Bcard

    This is a standard tactic, you need to use the following template and write back. Basically they are trying to fob you off with the difference between what they charged you and what the OFT stated was the maximum they could charge.

    The template letter you require is here, stick to your guns and demand you full amount back. Have a read through the FAQs and the Step by Step Instuctions these will guide you. Both are linked in my signatureicon.






    I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

  3. #3
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    Default Re: Love Bug v Bcard

    thank you for that.send the no thanks 7 day letter,still no replie.What should i do now.please help


  4. #4
    Site Team slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132's Avatar

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    Default Re: Love Bug v Bcard

    Hi LB,

    You've sent your Prelim ltr to BC and got a partial offer, which you've rejected.

    It's over the 14 days you gave them in your Prelim so you now send BC the lbaicon which you should have seen in the guides.

    No need to wait for a reply to your Rejection Letter. Stick to YOUR timescales.

    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