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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    Smile Barclaycard Mastercard CCA

    Hi
    I have 2 Barclaycards, a Visa and a Mastercard. I CCA's them on 2 December and have now received these documents:
    http://i721.photobucket.com/albums/w...rdCCApage1.gif
    http://i721.photobucket.com/albums/w...rdCCApage2.gif
    http://i721.photobucket.com/albums/w...rdCCApage3.gif
    http://i721.photobucket.com/albums/w...rdCCApage4.gif
    http://i721.photobucket.com/albums/w...rdCCApage5.gif

    The letter dated 17/01/2009 came in one envelope with the (almost) blank application whilst the letter dated 19/01/2009 came in a seperate envelope with the T&Cs which were double sided on a single page.
    What does anyone think of this, and how should I respond? Is there a suitable 'Account in Dispute' letter?
    Thanks for your help.


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    Default Re: Barclaycard CCA

    Hi Zeitgeist,

    I've copied your other post and started a new threadicon here for your MCard a/c.

    This is currently BC's standard response to our CCA request. They may, in fact, have fulfilled their obligations by responding in this way but they have not provided you with an enforceable credit agreement.

    Have a read here - http://www.consumeractiongroup.co.uk...uldnt-use.html

    Are you looking to reclaim charges on the a/c and, if so, do you have the nec'y state's for the a/c.



    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