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

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  1. 21st July 2008 19:24 #1
    Kelvid123 Kelvid123 is offline
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    Unhappy Default filed on Barclaycard

    Hi all please can anyone help. I had a Barclaycard and after getting into difficulty with it I got behind on payments and, long story short, ended up having a default notice in relation to the card. Since then I have made arrangements with Barclaycard to pay so much a month and since have looked on my credit file with experian. This shows I still have a card with Barclay but shows the status as 'satisfactory' yet still shows a default. If my account is 'satisfactory' how can there still be a default on it? Anyone any ideas how long they last and if there is any way of getting them removed. Thanks

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  2. 21st July 2008 23:50 #2
    slick132 slick132 is offline
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    Default Re: Default filed on Barclaycard

    Hi Kelvid,

    I'll move this to the Barclaycard forum.

    Have you suffered penalty charges on this a/c and have you reclaimed them to reduce the overall debt.

    If you don't have all the nec'y statements, send an SARicon and include in it a request for the signed executed Credit Agreement for the a/c.

    If they are unable to produce the required doc't showing the "Prescribed Terms", you should be able to get the default removed (eventually).

    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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