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. 1st May 2009 12:22 #1
    capricornme capricornme is offline
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    Default Barclays / Monument Credit Card Help Needed....

    Hi Everyone,
    I asked for my CCA copy from monument and they sent me my signed copy but new terms and conditionsicon also I've signed the agreement in 2006. Can anyone advise that is it unenforceable??? Because they attached new terms and conditionsicon (monument2 image) with my old signed document (signed in 2006) and also what letter I've to send them so they'll bu99er off. Thanks for the help.

    http://i667.photobucket.com/albums/v.../Monument3.jpg
    http://i667.photobucket.com/albums/v.../Monument2.jpg
    http://i667.photobucket.com/albums/v.../Monument1.jpg

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  2. 2nd May 2009 00:19 #2
    slick132 slick132 is offline
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    Default Re: Barclays / Monument Credit Card Help Needed....

    Hi Capricornme,

    Thread moved into BC forum.

    Have you read this - http://www.consumeractiongroup.co.uk...greements.html



    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