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
+ Reply to Thread
Results 1 to 3 of 3
  1. 28th March 2009 17:37 #1
    TickledPink TickledPink is offline
    Basic Account Holder
    Help the CAG!!
    Download our toolbar         TickledPink Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Nov 2008
    Posts
    27

    Default Barclaycard - charges and constant harassment

    A few weeks ago I notified Mercers that I was placing my Barclaycard account in dispute while I waited for copies of my card statements. I informed them that any further calls on the matter would constitute harassment until the matter was resolved.

    I received a letter from Barclaycard obviously disputing that Mercers' calls constituted harassment and received a leaflet about the OFT. The calls have continued but I have refused to answer them.

    I finally received my statements a couple of days ago. My credit limit on the card was £600. The amount Mercers are asking to be repaid is close to £1100. When I went through the statements, I discovered that there was £760 in charges ... plus whatever additional interesticon was placed on the account because of them. There were several occasions when they did the same as Capital Oneicon and applied £40 in charges per month!

    What's the next step in dealing with Barclaycard? As far as I'm concerned I owe them nothing more.

    Reply With Quote Reply With Quote
  2. 28th March 2009 18:22 #2
    BankFodder BankFodder is online now
    Site Team The Consumer Action Group BankFodder has disabled reputation BankFodder's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2006
    I am in
    Please consider making a donation if we have helped you. Thanks
    Posts
    14,886
    Blog Entries
    11

    Default Re: Barclaycard - charges and constant harassment

    The Consumer Forums - telephone recorders reviews.

    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
    Please include a link to the post you want me to look at. If you have received a defence, contact me.
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
    Reply With Quote Reply With Quote
  3. 28th March 2009 20:32 #3
    slick132 slick132 is offline
    Site Team slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Feb 2007
    I am in
    Planet Thanet, Kent
    Posts
    16,326

    Default Re: Barclaycard - charges and constant harassment

    Hi TP,

    You need to list all the unlawful penalty charges on a site spreadsheet.

    See the Reclaiming Guide at Link no1 in my signatureicon below.



    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.
    Reply With Quote Reply With Quote
« Previous Thread | Next Thread »

Browsealoud Video Tour



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