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. 13th March 2009 15:33 #1
    dph1976 dph1976 is offline
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    Default PPI (payment break plan) skycard

    hi all

    i have had a skycard (barclaycard) since 2006
    i have been paying for a paymen break plan

    i have sent for CCA and Subject access requesticon
    they have replied with statments and signed agreement
    but there is no mention of payment break plan
    i am self employed and when i called to try and claim a payment break
    i was refused and advised by them to cancel the plan

    i have paid £734.07
    even though there is ne evidence that i ever requested to have it

    my question is this
    can i claim this money back
    its not classed as PPIicon

    thanks in advance for any advice

    DH

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  2. 13th March 2009 16:18 #2
    dx100uk dx100uk is online now
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    a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
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    Default Re: PPI (payment break plan) skycard

    it IS PPIicon, they just word it funny to dodge the issue

    claim it back with their APR & then the sta 8% on top

    dx

    GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
    Credit Reference Agencies:Experian Equifax CallCredit <<<<CRA FILE INFO IS HERE<<<<

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan & Credit Card Charges Read Here
    4. The CAG Interest Tutorial Read Here
    5. Feel Bullied by Creditors or Debt Collectors? Read Here
    6. Staying Calm About Debt Read Here
    7. Thinking of a Full & Final Settlement? Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
    rather than hittting to be my friend - hit the star
    DX
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  3. 13th March 2009 17:44 #3
    dph1976 dph1976 is offline
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    Default Re: PPI (payment break plan) skycard

    thanks DX
    when you say with their apr then 8% on top
    how do i work that out
    also is that the same with charges aswell

    thanks again
    DH

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  4. 14th March 2009 13:52 #4
    dph1976 dph1976 is offline
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    Default Re: PPI (payment break plan) skycard

    ok
    i spoke to skycard about the payment break plan
    i was told that even though there is no mention of it in the CCA
    or anything in their response to the SARicon
    he said " there would have been a tick box "
    i dont remember a tick box

    i cant see that just sending me copies of all statements is all that is required to comply with SARicon

    any thoughts?

    thanks DH

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  5. 14th March 2009 14:00 #5
    dx100uk dx100uk is online now
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    Cagger since
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    I am in
    a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
    Posts
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    Default Re: PPI (payment break plan) skycard

    hehe hide it and you might just forget about it

    go get 'em!!

    there is a PPIicon calculator in the stickies here.

    looks like you are in for a big windfall

    good luck

    dx

    GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
    Credit Reference Agencies:Experian Equifax CallCredit <<<<CRA FILE INFO IS HERE<<<<

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan & Credit Card Charges Read Here
    4. The CAG Interest Tutorial Read Here
    5. Feel Bullied by Creditors or Debt Collectors? Read Here
    6. Staying Calm About Debt Read Here
    7. Thinking of a Full & Final Settlement? Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
    rather than hittting to be my friend - hit the star
    DX
    Siteteam
    Reply With Quote Reply With Quote
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE