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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    Default Late/Overlimit Charges

    Has anyone got any tips for claiming these back over the phone? (not all - just last months) missed my payment this month and have been levied with £24 worth of charges, paid all the int but im still over by £24 due to the same!

    SARicon is going to be sent shortly but just wanted to know if there's any tips for reclaiming some now!

    Thanks alot


  2. #2
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    Default Re: Late/Overlimit Charges

    Well, you can ask nicely if these were just a one-off and point out that you have had no problems in the past, and ask for a gesture of good willicon. If that doesn't work, suggest that you WILL get those charges back one way or another (hint-hint) and wouldn't it be simpler to just refund those now and save both them and you the trouble of litigation for such a paltry sum? If they still won't move, then you know what you got to do.

    Apologies to people who I was in the process of helping, I may be gone some time.

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    Default Re: Late/Overlimit Charges

    Thanks Bookworm!


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    Default Re: Late/Overlimit Charges

    And if the simple approach doesn't work, BC are repaying charges quickly when you make a more formal approach.

    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

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