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. 6th June 2009 18:09 #1
    Popeye Popeye is offline
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    Default I pay be DD but they aren't taking enough?

    Hi All

    Not sure if anyone can help with this one - but I've just had my Barclaycard statement today and checked it for the first time in ages. Looks like they are charging me loads of overlimit charges even though they take payment by DD and can't take whatever they need to from the account....

    Anybody else had this, and if so how did you resolve it?

    Thanks

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  2. 6th June 2009 20:01 #2
    the_shadow the_shadow is offline
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    Default Re: I pay be DD but they aren't taking enough?

    Quote Originally Posted by Popeye View Post
    Hi All

    Not sure if anyone can help with this one - but I've just had my Barclaycard statement today and checked it for the first time in ages. Looks like they are charging me loads of overlimit charges even though they take payment by DD and can't take whatever they need to from the account....

    Anybody else had this, and if so how did you resolve it?

    Thanks
    If the DD amounts are not correct then you need to either a) Ring barclaycard and advise them the minimum payments are not clearing the overlimit amount+normal payment or b) Make a one off payment to get back underlimit

    Then you need to total up all the charges they have given you and start a reclaim for these amounts

    S.

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    Deal with your debts:
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  3. 6th June 2009 22:21 #3
    Popeye Popeye is offline
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    Default Re: I pay be DD but they aren't taking enough?

    Cheers Shadow

    Will make the payment first thing Monday - and I'm drafting my claim letter right now !

    Thanks

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  4. 6th June 2009 22:33 #4
    the_shadow the_shadow is offline
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    Default Re: I pay be DD but they aren't taking enough?

    Quote Originally Posted by Popeye View Post
    Cheers Shadow

    Will make the payment first thing Monday - and I'm drafting my claim letter right now !

    Thanks
    Cool.. keep us posted and ask if you need help.

    S.

    Are You as Anonymous on CAG as You Think You Are? *Link*

    The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

    Deal with your debts:
    STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

    ***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****


    IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.
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  5. 7th June 2009 00:54 #5
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    Default Re: I pay be DD but they aren't taking enough?

    Hi Popye,

    Don't be put off by anything BC say about partial rep't of their charges.

    They are unlawful penalty and you can reclaim them in full. Use this template letter to reclaim your charges and enclose your SOC with it - http://www.consumerforums.com/resour...s/121-bookworm



    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