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
+ Reply to Thread
Results 1 to 4 of 4
  1. 10th March 2006 18:09 #1
    steve12 steve12 is offline
    Basic Account Holder
    Help the CAG!!
    Download our toolbar         steve12 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2006
    Posts
    2

    Default Help Please..Don't nderstand about my £20 Late charge..

    Hi,

    This is my first post and i am a little confused about an article in the F.aqicon's
    what is below is what has happenend to me, so can i phone Lloydsicon up and say that i am entitled to my £20 back??.
    Thanks
    Steve12

    Q. I have been charged (£20, £25, £35 etc...) by my credit card company due to missed/late payment. This was entirely my own fault. Do I still have grounds to start legal proceedings against them for recovery?
    A. The law is very clear on this. If you have been penalised for breach of contract by means of disproportionate penalties regardless of how the breach came about then you may have grounds to recover your money.

    Similar Threads:
    Reply With Quote Reply With Quote
  2. 10th March 2006 18:11 #2
    BankFodder BankFodder is offline
    Site Team The Consumer Action Group BankFodder has disabled reputation BankFodder's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2006
    I am in
    Please consider making a donation if we have helped you. Thanks
    Posts
    14,872
    Blog Entries
    11

    Default

    The law is very clear on this. If you have been penalised for breach of contract by means of disproportionate penalties regardless of how the breach came about then you may have grounds to recover your money.

    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
    Please include a link to the post you want me to look at. If you have received a defence, contact me.
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
    Reply With Quote Reply With Quote
  3. 10th March 2006 18:19 #3
    Bookworm Bookworm is offline
    Royalties Gold Account Holder
    Help the CAG!!
    Download our toolbar         Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Feb 2006
    I am in
    corrigible. Get over it.
    Posts
    21,571
    Blog Entries
    1

    Default

    Quote Originally Posted by BankFodder
    The law is very clear on this. If you have been penalised for breach of contract by means of disproportionate penalties regardless of how the breach came about then you may have grounds to recover your money.
    Stop it! You naughty mod!

    What it means is that regardless of how and why you got charged, they're not allowed to make a huge profit out of your mistake/carelessness, they're only allowed to recover what it cost them -if anything- when dealing with it.

    Apologies to people who I was in the process of helping, I may be gone some time.
    Reply With Quote Reply With Quote
  4. 11th March 2006 02:29 #4
    steve12 steve12 is offline
    Basic Account Holder
    Help the CAG!!
    Download our toolbar         steve12 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2006
    Posts
    2

    Default

    Thanks Bookworm for a helpful answer, I’ll phone them tomorrow.

    Reply With Quote Reply With Quote
« Previous Thread | Next Thread »

Browsealoud Video Tour



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