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.
I have a Barclaycard (Credit card) with an outstanding balance of approx £600. Not a lot I know, but enough to keep me awake at night!! I have other debts with other companies which I am currently tackling.
My question is I need to open a basic acct with Barclays (it cannot be any other bank as I need to link it to another barclay account that I opened abroad).
Should I first open the basic acct, get it up and running, then start my claim againt Barclaycard (credit card)?
If I start my claim (against Barclaycard),then attempt to open an acct with Barclays, will it show up on their system eventhough they are 2 separate companies?
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.
Also, while we're on the subject, many people seem unaware that connected institutions such as Barclays and BC will transfer money between your a/c's without your authority.
Eg, if you owed money on your BC a/c and hadn't paid them for a month or two, when you get money paid into your bank a/c, they'll transfer what they want to the BC a/c and there's precious little you can do about it.
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 you're just reclaiming the charges from BC, you should get them refunded with little fuss or delay. Read other BC threads and you'll see what's happening at the mo.
The only reason for delay would be if you were claiming full interest on the charges, at the contractual rate. In which case, you'll have to file your claim at court.
BC will defend against it and will refuse to settle until right up to the court date.
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.
Thanks for the tip.......I would like to get all that is owed to me. But on the other hand don't fancy going to court!! Maybe will wait until I have added up the charges and see if it will cover the debt. I suspect it will....
a jacuzzi with Bananarama. I have not lived in Bolton since 1986
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Re: MBK vs Barclaycard...Round 1
It wont get to court.
Barclaycard know that "court" is a scary prospect for most people
But... as many here have discovered, Barclaycard are even more scared of having to go before a judge than we are!
If you stick with your claim for return of YOUR money, they bottle out and make a complete offer of settlement, on your terms, at the last possible moment, usually a few days before the hearing date.
MBK vs Barclaycard...Round 1
(it cannot be any other bank as I need to link it to another barclay account that I opened abroad).
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