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. 17th July 2009 19:15 #1
    IceBlue IceBlue is offline
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    Default IceBlue V Barclaycard Mastercard

    And so it begins.....

    I sent BC a CCA just received back the standard set of new Barclaycards T&C's. They state that this completes their obligations under Section 78 etc.

    This card was originally taken out in 2002 with Morgan Stanley and BC took it over last year.

    So if they had my agreement it would need to be a Morgan Stanley one?

    Is my next move to send them a default letter?

    Any advice would be appreciated.

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  2. 18th July 2009 00:03 #2
    slick132 slick132 is offline
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    Default Re: IceBlue V Barclaycard Mastercard

    Hi IceBlue,

    Yes, send them an "a/c in dispute" letter. Shout if you can't find it.

    Read up on the CPR strategy at Link No2 in my signatureicon below. This is probably the only way to get sight of your credit agreement.



    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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  3. 18th July 2009 00:44 #3
    IceBlue IceBlue is offline
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    Default Re: IceBlue V Barclaycard Mastercard

    Hi Slick, Thanks for reply.

    Will get letter sent tomorrow and read up on CPR strategy.

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