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. 28th June 2006 08:29 #1
    markgreen markgreen is offline
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    Default Barclaycard partial refund

    I'm new to this so please excuse my ignorance.
    I have been offered half of the charges to be refunded to me. They have also claimed their charges are fair and transparent. It also states that the recommended fee by the OFT is £12. Is this true, I don't believe it is. The letter also says that they do not agree with the legal argument I put forward in my letter.

    It is advised not to accept a partial refund, but what is the next step if I want to persue it. Do I send another letter stating that I want a full refund or start the small claims precedure on the moneyclaim site?
    The letter closes with a patronising statement that to avoid further charges I should ensure my account stays within the limit and I make payments on time.

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  2. 28th June 2006 10:53 #2
    woolfie woolfie is offline
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    Default Re: Barclaycard partial refund

    If they do the same for you as they did with me they will credit your account with the refund. You should then write to them telling you accept the refund as an iterim payment only and that you intend to continue with your action against them if they dont give you a Full and finalicon settlement. My letter is in my Abbeyicon thread.

    If you are happy with the advice i have given please click the scales of justice above and give me a vote!! Thanks.

    Advice & opinions given by Woolfie are my own, and are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.




    Barclaycard 1- £520 claimed – settled
    Barclaycard 2- £435 claimed - sett;ed
    RBOS 1 £190 claimed - settled
    RBOS 2 £6500 claimed initial letter sent 26/6/6
    EGG £300 claimed – LBA sent 22nd June
    Capital 1 £200 claimed – settled
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE