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. 30th June 2008 15:58 #1
    ST24Mondeo ST24Mondeo is offline
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    Default Should I Keep on Paying

    First of all great site making people aware of their rights.
    I have a few ongoing debts that i have been paying but my partner or i are not working at present and we are struggling to just to buy day to day items and pay for gas electric etc.Plus we have the debt companys harrasing us wanting more money to pay of our debts.After spending a few days reading post on the site i have posted of requests for cca s to all the debt companys.I have a few questions if someone could help me.
    Cabot Financial Defaulted 27/09/02 current balance £1.870
    Captial One arrangement to pay started 1/10/04 current balance £1.269
    Alliance Leicester personal finance Defaulted on 30/12/02 current balance£8.948
    Barclaycard current balance £2.005 i have no more info on this they just keep sending letters with what i owe on them.
    I have for the last 4 or 5 years been paying of all these debts at as much as i can afford a month. Around £140 a month between all the debts. Should i continue to try and pay the debt companys or should i stop paying until they can prove with cca s that they can enforce the debts with cca s.I have been paying all these debts for years and i am getting nowhere with them just hassled to pay more money.ANY ADVICE PLEASE ON WHAT I SHOULD DO NEXT.

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  2. 30th June 2008 16:04 #2
    tiglet tiglet is offline
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    Default Re: Should I Keep on Paying

    Hi there

    Send the CCA requests - if after 12 working days (plus two for postage) you can start to with-hold monies on the grounds that they have not complied with your CCA request.

    If they do provide something or continue to pursue you after this date with no valid CCA, please post back.

    All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.
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  3. 30th June 2008 16:08 #3
    havinastella havinastella is offline
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    Default Re: Should I Keep on Paying

    you may also want to look at reclaiming All the unlawful charges on each account. I'm sure if they go that far back, there will be loads to reclaim.

    Use this letter

    http://www.consumeractiongroup.co.uk...ction-act.html

    It costs £10 for each request from each company, but you can reclaim that as well.

    Jogs

    Blackhorse Finance : Isssued court papers for £3400 and return of car, settled for £1000

    Lloyds TSB : SAR request taken all the way to Court, Damages awarded.

    Lloyds TSB PPI : FOS found in my favour, awaiting settlement figure.

    Capital ONE : Issued Court papers, refund of £635.38

    Barclaycard     : Refund of charges £456.16

    VIRGIN MEDIA : Request of charges, LBA sent

    LLoyds TSB : Refund of charges sent

    Littlewoods/NDR/Moorcroft : You have no idea
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  4. 30th June 2008 16:54 #4
    harrythehawk harrythehawk is offline
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    Default Re: Should I Keep on Paying

    Yes this is the way to go, depending on what comes back will establish your position and help you decide how you deal with them going forward in what you want to achieve. All I would say is keep your correspondence and records in order as your printer and postman might get busy !!

    Professional Halifax Loather

    "In the dark, all cats are grey"

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