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. #1
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    Angry Barclaycard charges!!!!

    Hi,

    I have been in a bit of a battle with Barclaycard to get my last 6 yearsicon statements...

    2 Months later I have recieved a letter saying something along the lines of..we are sorry that you are unhappy with the charges applied to your account etc etc etc...as a goodwill gestureicon we are offering to refund anything over the £12 charge - so on a £30 charge i would get £18 etc etc...

    They didnt give me any statements, or Breakdownicon of the charges etc and have refunded this money to my account without giving me the option to reject the offer...

    They have refunded in the region of £180..which i think if they refunded the full charges would then be in the region of £300 and with interesticon on top it would probably be a lot more than that...

    Can they do this? Or do they have to provide me with a break down of charges.

    Would my next step to be reject their offer and only accept it as a partial payment? I am unable to tell them i request the full amount and give them a figure as they havent told me how much the charges totalled to?

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  2. #2
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    Default Re: Barclaycard charges!!!!

    Hi, Stush.

    Send them one of these letters...........

    http://www.consumeractiongroup.co.uk...ng-offers.html

    If it was a SARicon you send them, have a look at this......

    http://www.consumeractiongroup.co.uk...n-act-non.html

    Regards.

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  3. #3
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    Default Re: Barclaycard charges!!!!

    the request for statements was done via email, and then they forwarded it to the customer relations dept, they then said they still havent been able to resolve the complaint and they will be in touch soon...

    they then sent the letter offering the amount they did...can i still send them the data protection non compliance?


  4. #4
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    Default Re: Barclaycard charges!!!!

    Yes, I would think so, they have 40 days to comply, which they obviously have not, I can't see any problems sending the Non- Compliance letter, maybe give them a shake.

    Regards.

    Scott.

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    Default Re: Barclaycard charges!!!!

    Was the email a letter you wrote or did you email the SARicon?

    If it was a general letter then im afraid you will have to send the SARicon letter, with the £10 fee.


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    Default Re: Barclaycard charges!!!!

    Hi, Stush.

    Sea-Sidelady is spot on with her question and advice. If you have not sent a SARicon then you cannot send a non-compliance letter.

    Regards.

    Scott.

    Any advice I give is honest and in good faith.
    If in doubt, you should seek the opinion of a Qualified Professional.

    If you can, please donate to this site.
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  7. #7
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    Default Re: Barclaycard charges!!!!

    Hi Stush,

    Start from scratch with this letter enclosing the nec'y £10 fee - http://www.consumeractiongroup.co.uk...ction-act.html

    If you stick to the site templates and advice, you get back what you're owed.

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