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

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  1. 27th August 2009 23:28 #1
    mccarthybaby mccarthybaby is offline
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    Default Littlewoods credit card aka barclaycard help pls?

    Hi all,

    Ok quick run down of what i have done so far.

    cca sent 24.06.09 - rec'd terms and conditionsicon - account in dispute sent off 03.08.09 again rec'd letter which from what i have read on here is a standard one we have sent you what we need to so pay up blah blah blah.

    So what is my next step?

    Thanks

    Leah

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  2. 28th August 2009 00:35 #2
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    Default Re: Littlewoods credit card aka barclaycard help pls?

    Hi McCB,

    First off, read lots of threads here in the BC forum to see what you're up against.

    Also, read about the CPR strategy at Link No2 in my signatureicon below. See if that's something you want to try.



    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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  3. 29th August 2009 10:38 #3
    mccarthybaby mccarthybaby is offline
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    Default Re: Littlewoods credit card aka barclaycard help pls?

    thanks slick,

    been reading loads and seems they're just sending out the same old stuff to everyone.

    I have sent off an SARicon today too for these as i have no doubt got chagres and think i may have PPIicon insurance too. So will wait for that and see what happens.

    I have already sent the account in dispute letter but what do i do in between the SARicon things arriving and being chased by BC?

    Thanks

    mcc

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  4. 29th August 2009 14:30 #4
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    Default Re: Littlewoods credit card aka barclaycard help pls?

    Quote Originally Posted by mccarthybaby View Post
    what do i do in between the SARicon things arriving and being chased by BC?
    See what hapens next, and then decide.

    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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  5. 9th September 2009 13:50 #5
    mccarthybaby mccarthybaby is offline
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    Default Re: Littlewoods credit card aka barclaycard help pls?

    hi,

    Have today recieved a letter from BC saying along the lines of, we refere to your previous letter alledging we have failed to comply with your request blah blah blah..............please note that we have already set out in detail, why we are satified that we have met your request and are under no legal obligation to provide further documentation to you.

    ok firstly is this a standard letter? i havent chased them again about just sending me the terms and condition from my cca request. the last thing i sent soley about that was account in dispute on 03.08.09.

    last letter i sent them was a full SARicon request on 29.08.09.

    Im slightly confused should i wait until the 40 days are up and see what they send or respond to this letter?

    thanks

    mcc

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  6. 9th September 2009 17:30 #6
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    Default Re: Littlewoods credit card aka barclaycard help pls?

    Hi McCB,

    You'll soon learn that, with BC, it doesn't pay to reply to each and every letter - they tend to ignore your letters, reply with standards template replies and repeat stuff over and over.

    Wait for their response to your SARicon.

    Have you been reading up on the CPR strategy.

    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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  7. 30th September 2009 21:46 #7
    mccarthybaby mccarthybaby is offline
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    Default Re: Littlewoods credit card aka barclaycard help pls?

    Hi,

    Have today recieved my SARicon details, but have only recieved statements? Nothing else no cca details or PPIicon details??

    I can see that i have been paying payment protection but dont know what my apr is so cant work out the money ect.

    Any ideas is there a letter that i can send off asking for the rest if the info?

    thanks

    mcc

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  8. 30th September 2009 22:43 #8
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    Default Re: Littlewoods credit card aka barclaycard help pls?

    You could write back demanding further data regarding PPIicon.

    See items 18, 19 and 20 here - The Consumer Forums - Bank charges templates (consumer)

    In the lbaicon, confirm that you require all data about the PPI applied on your a/c.

    You can also start a thread in the PPI forum - they may say you can reclaim now, based on the info you DO have.

    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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  9. 14th October 2009 09:01 #9
    mccarthybaby mccarthybaby is offline
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    Default Re: Littlewoods credit card aka barclaycard help pls?

    Had a call at 8.00 am!!! from Lowell, Barclay card have sold them the debt! Almost felt sorry for the guy as he was chasing for full payment today lol.

    Informed him that this account was entered into dispute on 03.08.09 and that i am surprised that i am being chased. He told me that BC sold them the debt 10th September? Can they do that after i have put account in dispute?

    Anyway account on hold til orginal cca can be located lol

    Mcc

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  10. 14th October 2009 14:25 #10
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    Default Re: Littlewoods credit card aka barclaycard help pls?

    Don't respond to Lowell until they, or anyone else writes to you.

    If you haven't received a Default Notice or Notice of Assignment, write to BC to confirm that the a/c is in dispute and that they cannot sell the a/c, nor even seek payments, etc until they supply the signed 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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