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 Barclaycard owe me money!

    I have a credit balance on a Barclaycard and I have asked for it back. The amount will not make me rich nor will it dent the coffers at Barclaycard. At present they are refusing to send me the money suggesting instead I use the card and then pay off only the balance. Is there anything I can do to make them pay up? Any thoughts and suggestions welcome.


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    Default Re: Barclaycard owe me money!

    How did that happen? Paid too much into it?

    You can send them a letter and tell them they can pay you back the easy way or do it through the courts. Cheeky sods.

    It's a CREDIT card, that means they LEND you money to spend. This is YOUR money, they have no right to keep it. Hunt them down.

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

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    Default Re: Barclaycard owe me money!

    I paid the monthly bill but they also took their monthly cut by debit card so there's an overlap of a few pounds.

    I have written to them and asked for a cheque. They are refusing to do this because they do not have the systems in place to do so. They have sent out plenty of useless credit card cheques in the past. When I contacted them and told them a bank transfer was not possible due to my being between banks it was then they suggested I buy something and pay off the balance.

    I will write again over the weekend and tell them to find another way of refunding the money I might give them a couple of week to comply before I start a blitz on phoning them up and demanding payment. ell its what they do if ny of their customers miss a payment. I may even add interesticon and charges.


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    Default Re: Barclaycard owe me money!

    Hi NailPost,

    If you have a Barclaysicon bank a/c, they could refund to it direct.

    Failing that, if you want the refund quickly, give them details of a sort code and account number of another bank a/c they could pay it into.

    They must have a facility to pay you cheque, but I bet it'll take longer.

    OR, send a Prelim Letter, then an lbaicon, then sue the beggars.



    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