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. 25th November 2008 15:13 #1
    cbd13 cbd13 is offline
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    Default Reclaiming cc charges

    Hi all,
    On receipt of statements, I sent a prelim to BC claiming full charges plus interesticon. 3 days later I checked my account and they had repaid the difference between charge and £12 but a week later I haven't received a letter from them about this but have had a statement through.
    Could someone link me the correct lbaicon letter in anticipation of their bog standard reply. I have looked aroung but can't find one.

    Many thanks in advance,
    cbd13

    Similar Threads:
    Charges reclaimed:
    Barclaycard £800 + 8% - Full refund
    MBNA £780 (incl. 8%) - full refund
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  2. 25th November 2008 19:26 #2
    rory32 rory32 is offline
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    Default Re: Reclaiming cc charges

    http://www.consumeractiongroup.co.uk...re-action.html

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  3. 25th November 2008 23:14 #3
    slick132 slick132 is online now
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    Default Re: Reclaiming cc charges

    Hi Cbd,

    When they write to you about this, you should also send them the appropriate letter from here - http://www.consumeractiongroup.co.uk...ng-offers.html

    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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  4. 26th November 2008 10:12 #4
    cbd13 cbd13 is offline
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    Default Re: Reclaiming cc charges

    Thanks Rory/Slick

    Charges reclaimed:
    Barclaycard £800 + 8% - Full refund
    MBNA £780 (incl. 8%) - full refund
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  5. 26th November 2008 16:56 #5
    cbd13 cbd13 is offline
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    Default Re: Reclaiming cc charges

    I have just checked my account and they have reduced my limit by £100 definately want the whole lot now to wipe out the balance (plus some) If they want to cancel it after that, let them!

    Charges reclaimed:
    Barclaycard £800 + 8% - Full refund
    MBNA £780 (incl. 8%) - full refund
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  6. 8th December 2008 11:35 #6
    cbd13 cbd13 is offline
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    Default Re: Reclaiming cc charges *WON*

    sent rejection letter 2/12, bc credit my account the balance 5/12 (£644.08)
    My account is now in Credit so I am very happy

    PPIicon and FAP next, then MBNAicon!

    Thanks to all and will find a way to donateicon to this brilliant site!

    Charges reclaimed:
    Barclaycard £800 + 8% - Full refund
    MBNA £780 (incl. 8%) - full refund
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  7. 8th December 2008 14:15 #7
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    Default Re: Reclaiming cc charges

    Hi Cbd,

    Delighted to see you got your charges back.

    Thanks for the Site donationicon.

    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
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