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



+ Reply to Thread
Results 1 to 4 of 4
  1. #1
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    odezi Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2009
    I am in
    London
    Posts
    76

    Default Request To Barclaycad For Cca

    I have two credit card agreement with Barclaycard and recently requested a CCA and got replies with the terms and conditionsicon. The letters also contained the following:
    ‘Under Section 78 we must supply you with a copy of your executed agreement and a statement of account which is practicable to refer. Please find enclosed a copy of your latest executed agreement. This is a statement of the terms of your agreement with us and incorporates any variations to the terms made since you entered into this agreement.’
    I have attached the information I was sent. I don’t think it meets CCA 1974, but I would really appreciate input from anyone with some knowledge of this.



  2. #2
    cds cds is offline
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    cds Novitiate cds Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2009
    I am in
    east midlands
    Posts
    363

    Default Re: Request To Barclaycad For Cca

    can't see any attachments

    cds


  3. #3
    Site Team slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Feb 2007
    I am in
    Planet Thanet, Kent
    Posts
    16,323

    Default Re: Request To Barclaycad For Cca

    Hi Odezi,

    Thread moved into BC forum.

    There's no need to post the letter - it's a common one from BC at the moment.

    If you want to see if they have a valid credit agreement, read up on the CPR strategy in Link No2 in my signatureicon below.

    You'll see the majority of threads in the BC forum are about the same problem - read as many as you can and you'll learn loads.

    BC will not send you a credit agreement in response to a CCA request.

    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
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    odezi Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2009
    I am in
    London
    Posts
    76

    Default Re: Request To Barclaycad For Cca

    Quote Originally Posted by slick132 View Post
    Hi Odezi,

    Thread moved into BC forum.

    There's no need to post the letter - it's a common one from BC at the moment.

    If you want to see if they have a valid credit agreement, read up on the CPR strategy in Link No2 in my signatureicon below.

    You'll see the majority of threads in the BC forum are about the same problem - read as many as you can and you'll learn loads.

    BC will not send you a credit agreement in response to a CCA request.
    Many thanks for the reply. I will go through them.



Browsealoud
Video Tour



Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE