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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    bankhater10 Novitiate

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    Default How to accept an offer from B'card??

    Hi, my friend has recently sent a prelim letter and then a lbaicon to B'card and he claims that they have offered him the charges he has claimed (£84) and a nominal amount of interesticon (£6.72) and wants to accept!
    I have 2 questions:
    1, is this usual of B'card?
    2, Is there a template letter to accept the offer please?
    Thank you!


  2. #2
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    Default Re: How to accept an offer from B'card??

    barclaycard refunded all my charges no problems


  3. #3
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    Default Re: How to accept an offer from B'card??

    Quote Originally Posted by bankhater10 View Post
    Hi, my friend has recently sent a prelim letter and then a lbaicon to B'card and he claims that they have offered him the charges he has claimed (£84) and a nominal amount of interesticon (£6.72) and wants to accept!
    I have 2 questions:
    1, is this usual of B'card?
    2, Is there a template letter to accept the offer please?
    Thank you!
    I have seen two barclaycard claims settled within 2 weeks(first letter only and not here).
    A simple I accept x amount as settlement of my claim, something as simple as that.


  4. #4
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    Default Re: How to accept an offer from B'card??

    Hi BH,

    Thread moved into BC forum.

    BC are happy to refund penalty charges on simple claims that don't involve Contractual interesticon.



    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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  5. #5
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    Default Re: How to accept an offer from B'card??

    Yo Slick,

    I think 'relieved' rather than 'happy'


    T.


  6. #6
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    Default Re: How to accept an offer from B'card??

    Hi, trouble im afraid!! My friend had been waiting for ages for his refund after B'card agreed to refund him and today he rang them and they said that 'the payment has been made to the account as there was still an outstanding balance' after my friend had taken out an I.V.A! He asked them to send it to him by cheque but they have refused! Is there any way which he can get this refund by cheque do you think??


  7. #7
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    Default Re: How to accept an offer from B'card??

    Surely the IP could confirm that an IVA is in place.

    Accordingly, any monies rec'd, such as a BC refund, should be distributed by the recipient to each Creditor on a pro-rata basis.

    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.

  8. #8
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    Default Re: How to accept an offer from B'card??

    Hello and thanks for that! Im sorry for this but who is the 'IP'? And what should my friend do next?


  9. #9
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    Default Re: How to accept an offer from B'card??

    IP = Insolvency Practitioner

    If you can show BC that an IVA is in place, you can argue that any refund should be distributed equally amongst ALL creditors on a pro-rata basis.

    Any letter from the IP which confirms that there's an IVA should suffice.

    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