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 statements

    hi just recieved both my cca &statements from barclay card

    the cca is not signed and i noticed that the late fees are only £12 on the cca i know this is wrong as i have paid £20 on late paymnets & £20 on over the limit fees'

    2nd the next day i received my statements and a letter stating ie.
    i regret that our systems do enable us to identify individual charges
    the statements only start from the 11/11/2006 and no statements before that
    could anyone guide me through this please
    rgards phantom44

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  2. #2
    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

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    Default Re: barclaycard statements

    Hi Phantom,

    Did you send BC a Site SARicon with the £10 fee. If not, you should do so.

    The T&C's are current ones by the sound of it, if they mention £12 fees.

    Have a read of the Reclaiming Charges Guide at Link No1 in my signatureicon below, if you're not sure of the process.

    They're talking tosh about not having the data you require.



    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.

  3. #3
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    Default Re: barclaycard statements

    thanks for the replie slick123
    yes i sent £10 and got my statemnts back this week but only from the 01/11/2006 and none before that i have had this account since 2003
    could you advise me please what to next
    regards phantom44


  4. #4
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    Default Re: barclaycard statements

    Hi Phantom,

    Use this letter, adapted for your own case, to force BC's hand - http://www.consumeractiongroup.co.uk...n-act-non.html

    This is unusual for BC - they normally supply up to 6 yearsicon without probs.

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