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. 11th June 2009 20:09 #1
    Billy55 Billy55 is offline
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    Default Billyboy vs Barclaycard

    SARicon sent 10.07.09

    Not sure why I'm so nervous, back in 2007 I recovered all my bank charges from HSBCicon and IF.com and credit card charges from Marbles, all with compounded contractual interesticon.

    bring it on!!!

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  2. 11th June 2009 20:22 #2
    Billy55 Billy55 is offline
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    Default Re: Billyboy vs Barclaycard

    testing my new signatureicon

    HSBC recovered bank charges in full plus contractual interest
    IF.com recovered bank charges in full plus contractual interest
    Marbles recovered credit card charges in full plus contractual interest
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  3. 11th June 2009 20:23 #3
    Billy55 Billy55 is offline
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    Default Re: Billyboy vs Barclaycard

    oh, that's not worked...how do i edit profle to always include my scalps?

    HSBC recovered bank charges in full plus contractual interest
    IF.com recovered bank charges in full plus contractual interest
    Marbles recovered credit card charges in full plus contractual interest
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  4. 11th June 2009 20:50 #4
    alanalana alanalana is offline
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    Default Re: Billyboy vs Barclaycard

    Subject access request sent 10.07.09

    Not sure why I'm so nervous, back in 2007 I recovered all my bank charges from HSBC and IF.com and credit card charges from Marbles, all with compounded contractual interest.

    bring it on!!!
    check the timetable on the 40 days for SARicon response or you could be waiting forever

    I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.
    ------------------------------------------------
    Bank charge successes:
    Halifax - Full settlement incl interest.
     HSBC - Settlement, goodwill no admission of liability about 75% of claim.
     RBS - Settlement, goodwill no admission of liability about 70% of claim.
    2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
    PPI Successes
     PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
    2 claims settled in full with LV without FOS involvement.
    2 claims settled in full with HSBC without FOS involvement

    PPI Claims ongoing with:
    Cap one Now with the FOS
    Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
    LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

     1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
     Post 290 from
    ***RBS PPI Claim Long fight but, WON***
    Please do not PM me for advice as it may be sometime before I can respond.

    Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
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  5. 7th July 2009 18:54 #5
    Billy55 Billy55 is offline
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    Default Re: Billyboy vs Barclaycard

    Barclaycard have responded advising that they will investigate complaint and respond by the 10th July, woncdering if they will stick to their own deadline, which is less than the 8 week requrement. Still not received account info

    HSBC recovered bank charges in full plus contractual interest
    IF.com recovered bank charges in full plus contractual interest
    Marbles recovered credit card charges in full plus contractual interest
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  6. 7th July 2009 20:43 #6
    leviculus_puella leviculus_puella is offline
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    Default Re: Billyboy vs Barclaycard

    billyboy ive had quite a few letters from Barclaysicon giving response dates however when the date arrives so does another letter asking for more time so i think for me its of to the fosicon good luck with yours

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  7. 7th July 2009 22:33 #7
    Billy55 Billy55 is offline
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    Default Re: Billyboy vs Barclaycard

    thanks for letting me know.. if they mess me around i think I will just wait for SARicon records to turn up and then issue a claim in the county courticon, and see if that sparks them into life!

    thinking it might be less hassle than leaving it to fosicon and will be quicker and more likely to get the full refund with contractual interesticon and statutory interest!

    they will rue the day they messed with me :grin:

    HSBC recovered bank charges in full plus contractual interest
    IF.com recovered bank charges in full plus contractual interest
    Marbles recovered credit card charges in full plus contractual interest
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  8. 15th July 2009 13:58 #8
    Billy55 Billy55 is offline
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    Default Re: Billyboy vs Barclaycard

    Well what a surprise, they have not responded by their own deadline. I have called them today and they have advised me that they have posted a questionnaire to me today and they request that I complete it and return it to them so that they may properly consider my complaint.

    does anyone have any ideas as to what the best response should be should I complete the questionnaire and return it or should I simply press them for the info I require to issue proceedings / lodge complaint with fosicon.

    I am thinking that the questionnaire is simply a tool to assis potential claimants in hanging themselves and that they should be able to ascertain whether they missold the PPIicon purely from their own records

    your responses are welcome

    HSBC recovered bank charges in full plus contractual interest
    IF.com recovered bank charges in full plus contractual interest
    Marbles recovered credit card charges in full plus contractual interest
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