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. 15th June 2009 20:51 #1
    axxsabian axxsabian is offline
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    Default barclaycard cca, what happens now

    Hi there,just a short post,
    could someone tell me what to do next and what might happen next????
    I have cca'd bc, they sent t's and c's, put the account in to dispute, they say they have responded and so i have stopped paying them,
    so what can i do if anything or what should i do

    thanks

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  2. 16th June 2009 00:23 #2
    slick132 slick132 is offline
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    Default Re: barclaycard cca, what happens now

    Hi Axxsabian,

    They'll say the a/c is NOT in dispute because they've complied with their obligations under the CCA 1974.

    Accordingly, they'll pursue any overdue pay'ts on the a/c, so expect a barrage of phone callsicon from them.

    You could either:-

    1. Try a complaint to the fosicon re their failure to supply a proper copy of the credit agreement in response to your CCA request.

    OR

    2. Start the CPR strategy. Read about this in Link No2 in my signatureicon below.

    Also read other threads here in the BC forum where you'll find many cases similar to yours.



    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.

    If I've been helpful, please click my scales.
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE