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. #1
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    Default Barclaycard request for an executed copy of credit card agreement

    I requested, via the format available on this site, a copy an executed copy of my agreement and all they have provided is a blank copy of their standard form with an accompanying letter suggesting that they have fulfilled their obligation under section 78. What do I do now? :idea: I suspect they are trying to pull a fast one here. Please help, I'm going out of my mind with worry. rgds mooiismum


  2. #2
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    Default Re: Barclaycard request for an executed copy of credit card agreement

    you need the......you have failed to respond to mylegal request to supply........letter..... .cosumer credit act 1974.......also the 4 corner rule applys to all c.cards...prescribed terms must be on the same page inc.signatureicon.....hope this helps.


  3. #3
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    Default Re: Barclaycard request for an executed copy of credit card agreement

    Hi Mooiismum and welcome to CAGicon. I've moved your thread into the BC forum, so you're amongst friends.

    If you read other threads here, you'll see many others are having the same problems getting sight of their credit agreement.

    BC won't send you the credit agreement in response to a CCA request. See here for a reply to send BC which disputes the adequacy of their reply - http://www.consumeractiongroup.co.uk...ml#post1821561

    Look at the CPR thread in Link No2 in my signatureicon below. You may find it a bit daunting if you're new to the site. You only need to read the first few posts.

    You say you're going out of your mind with worry. What is your problem and how do you want to resolve it.

    Are there any penalty charges on this a/c - these can be easily reclaimed.

    Have you been charged PPIicon which you didn't ask for, or was inappropriate for your circumstances.

    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.

  4. #4
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    Default Re: Barclaycard request for an executed copy of credit card agreement

    Thanks slick132, this is the info is brilliant. I think I will be able to sleep tonight, It's nice to know there are friends waiting to help. The phone callsicon
    drive me nuts, I've turned my phone off so not to hear it ringing, but this means
    that I feel cut off from the outside world. I'll get the letter off 2morro, by the way, they cashed my £1 postal order. kind rgds mooiismum


  5. #5
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    Default Re: Barclaycard request for an executed copy of credit card agreement

    Hi Mooiismum,

    From your comments, I assume you are having problems keeping up payments on the BC a/c.

    If BC and/or Mercers are calling often, see this - http://www.consumerforums.com/resour...esponse-letter-

    Sleep better tonight.

    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.

  6. #6
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    Default Re: Barclaycard request for an executed copy of credit card agreement

    http://www.consumeractiongroup.co.uk...ase-nat-2.html
    any advice on this one would help slick cheers
    patrickq1

    http://www.consumeractiongroup.c o.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html




    Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional


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