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
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NW11 7PE
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  1. 6th April 2009 09:51 #1
    whatamess whatamess is offline
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    Default Letter from citicards

    Hi

    After being redirected to this forum, i cannot believe what Citicard are doing, I have also recieved the bog standard letter, to say they do not have to send me a True copy of my CCA. What is the next step? Can i send a letter to argue this, although i have read some post where people have done this and they have just sent one back arguing the toss on this one.
    What do you think i should do now.
    Your advice is appriciated.
    Thanks

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  2. 6th April 2009 12:30 #2
    Enron Enron is offline
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    Default Re: Letter from citicards

    Citi will just give you a bulk standard response no matter what you send.

    Therefore you have to esculate this, its a document that you are legally entitled to.

    Citi state that regulations allow them to exclude certain information such as your name/address, signatureicon etc. However what they are doing is attempting to mislead you by sending an entirely different document to the executed agreement which was completed in sending recent Terms & Conditions.

    Complain to the head of the Office Of Fair Trading, a Mr John Fingleton, contact your local trading standards department and MP regarding this.

    You are essentially requesting the document to see whether it is properly executed, you are entitled legally to a copy of this document under s78(1) Consumer Credit Act.... Citi are not complying and attempting to mislead customers.

    Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.
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  3. 8th July 2009 15:12 #3
    diddydicky diddydicky is offline
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    Default Re: Letter from citicards

    surely is the way to deal with citicard not to employ the services of no win no fee solicitor to take them on in court!


    it seems to me that through this site we could get one of these solicitors to take on ONE of our cases to start the ball rolling

    the advantage to them is once they have given citi a costs spanking there will be flood of other cagger cases for them to take on and earn a fortune out of fees

    the advantage to caggers being able obvious

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