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
    tal tal is offline
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    Default O.k to proceed with normal Barclays visa debit card account?

    I have an account with Barclaysicon its a current or savings account that I have and a visa card debit card with the account

    Since this not a credit card account, am I o.k to proceed with asking for the charges back?

    I sent a SARS request for 6 yearsicon statements, they sent all the charges added up for each year on 1 sheet of A4, saves me time working it all out

    I need to know, am I o.k to proceed with the next stage in asking for my money back and do they pay up like MBNAicon?

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  2. #2
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    Default Re: O.k to proceed with normal Barclays visa debit card account?

    Hiya

    Yes you can send your prelim,enclosing a schedule of your charges,make sure you keep
    a copy and send it recorded delivery

    . Letter - Preliminary approach for repayment.



    Tilly






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  3. #3
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    Default Re: O.k to proceed with normal Barclays visa debit card account?

    Hi Tal and welcome to the Barclaysicon forum.

    Does the data they've sent you give individual dates for each penalty charge as you need this to accurately calculate the Statutory interesticon (s.69 int't) which you'll claim when you file your claim at court.

    If not, you should write back to them saying they've failed to comply with your SARicon and you require the individual charge dates, or copy state's, to be supplied promptly.

    See Template letter 1 here and adapt the letter to reflect your own case - http://www.consumeractiongroup.co.uk...n-act-non.html

    Send to bank by Rec'd Del'y.

    I'd wait for the required info before you send your Prelim letter.

    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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  4. #4
    tal tal is offline
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    Default Re: O.k to proceed with normal Barclays visa debit card account?

    they have not listed individual charges, but a total of charges for each year


  5. #5
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    Default Re: O.k to proceed with normal Barclays visa debit card account?

    Then use the letter linked in my post above - adapt it to reflect your own case.

    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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