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. 28th April 2009 14:08 #1
    skint40 skint40 is offline
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    Default Barclaycard request for CCA reply

    I sent off for a copy of my CCA and received the following reply along with two photocopy of terms and conditionsicon (could be anybody's - there's no name, address, interesticon rate is blanked out on one of the copies, default charges are are different - both £25 and £12!).

    I've been reading some other posts and it looks like Barclaycard don't like sending out CCA's.

    Just wondering what the next step should be. I've read about CPR 31.16 and N244icon but not sure what they are...

    Your help would be much appreciated



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  2. 28th April 2009 22:31 #2
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    Default Re: Barclaycard request for CCA reply

    Hi Skint,

    You'll get nowhere with CCA requests to BC.

    See here and follow the links to smt37's thread and to the CPR strategy thread - http://www.consumeractiongroup.co.uk...t-success.html

    Or see Link No2 in my signatureicon beolw for the CPR thread.



    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