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. 1st September 2008 01:13 #1
    JulietteLewis JulietteLewis is offline
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    Default will someone give me advice please? :(

    Hello ... i have an unpaid barclaycard of about £2000 and i also have a Barclaysicon basic bank account. i was getting harrassed for months by barclaycard by phone callsicon to my house phone (actually my mums house phone) my mobile .. text messages and letters!! westcott i think the name of the collection agency is. It all suddenly stopped about 2 weeks ago. So i got paid there on the 26th Aug and paid my mobile bills and things like that ... went to withdraw money to pay my mum on the 30th and there was nothing left in my account!! Called the bank and they said Barclaycard had taken £500 now i have nothing for a month and my mum hasnt been paid or anyone else! Ive to call them in the morning but i'm worried that i wont get it back ... or what if they do the same next month on pay day?? what can i do?

    Mandy (Scotland)

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  2. 1st September 2008 02:03 #2
    havinastella havinastella is offline
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    Default Re: will someone give me advice please? :(

    Mandy,

    Unfortunately there is nothing you can do. Well not this month.

    It has already been ruled lawful that a bank can rape your current account to service a loan/cc account. (IMO absolute boll*cks)

    I would try to open a parachute accounticon for next months salary.

    I found the Natwesticon step account easy to open.

    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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  3. 1st September 2008 13:27 #3
    slick132 slick132 is online now
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    Default Re: will someone give me advice please? :(

    Hi JL and welcome to the BC forum.

    The banks have the right to "set-off" bank a/c funds to pay towards another debt within their bank group in this manner.

    Concentrate on getting your next salary pay't made to another a/c - if the salary is paid into the Barclaysicon a/c, BC will take more.

    You should set about reclaiming all penalty charges on the BC a/c to reduce the overall debt which you owe them.

    If you've suffered charges on your bank a/c, you can reclaim those too.

    Have a read of Link No1 in my signatureicon below - there's a different process for bank a/c's and credit cards.

    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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  4. 1st September 2008 22:28 #4
    JulietteLewis JulietteLewis is offline
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    Default Re: will someone give me advice please? :(

    hey thanks for your replies ... ill get on to nat

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