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. 4th September 2008 23:37 #1
    c1nders77girl c1nders77girl is offline
    Basic Account Holder
    Help the CAG!!
    Download our toolbar         c1nders77girl Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2007
    Posts
    20

    Default I have 3 credit cards unwritten by barclaycard - can I CCA them all on one letter

    Hi

    Not sure here, so thought I would double check. Can I CCA Barclaycard for all 3 of my cards on one request or do I need to do them each individually.

    Many thanks

    Similar Threads:
    Reply With Quote Reply With Quote
  2. 5th September 2008 00:01 #2
    slick132 slick132 is offline
    Site Team slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Feb 2007
    I am in
    Planet Thanet, Kent
    Posts
    16,326

    Default Re: I have 3 credit cards unwritten by barclaycard - can I CCA them all on one letter

    Hi Cinders,

    For the sake of an extra 2 quid, I'd send separate CCA requests for each a/c.

    Also, to avoid confusing us (it's easily done ), have a separate thread for each a/c so advice can be given on each as required.

    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.
    Reply With Quote Reply With Quote
  3. 5th September 2008 00:21 #3
    c1nders77girl c1nders77girl is offline
    Basic Account Holder
    Help the CAG!!
    Download our toolbar         c1nders77girl Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2007
    Posts
    20

    Default Re: I have 3 credit cards unwritten by barclaycard - can I CCA them all on one letter

    Hi, thanks for a speedy reply. I am on a mission tonight whilst I have some peace & quiet. I have got some more questions but will have a read around first.

    Actually one question I have which I am confused over is this, ok, I have sent off the DPA request, received back the statements & worked out what I have paid in charges, however, I sort of got side tracked by reading that other people have CCA their companies - so what my question is can I claim charges & say I dont accept responsibility for debt because no CCA is present. Sorry but i am confused , thanks Cinders

    Reply With Quote Reply With Quote
  4. 5th September 2008 00:42 #4
    slick132 slick132 is offline
    Site Team slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Feb 2007
    I am in
    Planet Thanet, Kent
    Posts
    16,326

    Default Re: I have 3 credit cards unwritten by barclaycard - can I CCA them all on one letter

    You can reduce the amount you owe to any credit card by reclaiming your penalty charges. But you can't get a refund of charges paid to you direct and then say you don't acknowledge the debt.

    If you CCA them and find they don't have a valid Credit Agreement, it means they can't enforce the debt in court. So you can repay the debt at a rate which suits you.

    You can also demand that they remove from your credit files any adverse comments or default markers.

    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.
    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