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:
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  1. 5th January 2009 16:02 #1
    julian1968 julian1968 is offline
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    Default Barclaycard settled account help

    Hello

    I have sent a SARicon's req to Barclaycard for info held on a settled account

    No CCA included, just copy statements and

    The PPIicon charges amount to approx £50 (plus int)

    Im just wondering what I can really do about this? I know I can get in touch and ask for PPI back on basis that I didnt agree to it

    But is there anything else I could look at

    I think I may be flogging a dead horse with settled accounts with low values, but you may have other options for me

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  2. 6th January 2009 00:30 #2
    slick132 slick132 is offline
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    Default Re: Barclaycard settled account help

    Hi Julian,

    Can you put the PPIicon query in a thread in the PPI forum where you should get any help you need.

    Do the state's you've rec'd show any penalty charges which you paid on this a/c. If so they can be reclaimed in full.

    BC will initially deny they need to repay anything, or will offer a partial refund which you can refuse.

    You'll get them all back.

    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