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 Bignick and Cahoot Credit Card

    Last month I CCA'd Cahoot regarding my credit card and all they sent me was a copy of the signed form with T&Cs, all on 2 sides. I will scan and post this soon.

    Are they required to send statements too or do I need to SARicon them?


  2. #2
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    Default Re: Bignick and Cahoot Credit Card

    Quote Originally Posted by Big Nick View Post

    Are they required to send statements too or do I need to SARicon them?
    Yes, you'll need to SARicon them.

    Regards.

    Scott.

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  3. #3
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    Default Re: Bignick and Cahoot Credit Card

    Hope these scans are legible!







  4. #4
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    Default Re: Bignick and Cahoot Credit Card

    Assuming it has your signatureicon on it that you have blanked out, that looks enforceable to me - it has all of the prescribed terms on it.

    However, agreements are not the area in which I have been concentrating - I seem to be more of a notice kinda guy.

    I am sure someone stronger on agreements will confirm or correct what I think.


  5. #5
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    Default Re: Bignick and Cahoot Credit Card

    I agree with Viscount Star - it looks enforceable to me. However, this is under the assumption that these 2 documents would be front and back. The only way you would find that out though, would be in court......

    I am not an expert, but I can give good advice about Brighthouse

    Am learning more and more about DCA's too

    I have no legal experience and all advice given is based on the knowledge I've gained from this site.

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    Default Re: Bignick and Cahoot Credit Card

    Having got accounts with cahoot, my agreements are exactly like yours and are enforceable.

    Sorry,

    BB


  7. #7
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    Default Re: Bignick and Cahoot Credit Card

    That's OK, I was rather expecting that to be honest. Think I will go through the statements instead and look for any unfair charges but I think that might be some years back. Isn't there a time limit on how far back you can claim?


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    Default Re: Bignick and Cahoot Credit Card

    Hi,

    6 yearsicon is the norm, but some have gone back further.

    Regards.

    Scott.

    Any advice I give is honest and in good faith.
    If in doubt, you should seek the opinion of a Qualified Professional.

    If you can, please donate to this site.
    Help keep it up and active, helping people like you.


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  9. #9
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    Default Re: Bignick and Cahoot Credit Card

    I have one query. It states

    The interesticon rate for purchases, transferred balances, and cash advances is a monthly rate of 0.2871%.

    The APR for cash advances is 7.9% (variable). The APR for purchases and balance transfers is 6.3% (variable).

    If the interest rates are the same for all three, how can the APRs be different? Is it due to the handling fee for cash advances?



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