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. 13th September 2009 18:49 #1
    lmd75 lmd75 is offline
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    Default LMD75 versus Tesco

    I took out a Tesco credit card online in Q1 2009 and have just CCA'd them. They sent me the following 9 pages together with my latest credit card statement which just looks like a generic copy of my application form with added terms and conditionsicon?

    Is this CCA unenforceable? If not then what is the best way of dealing with them in regards to coming up with alternative /reduced payment method as I am financial difficulty? Am I better off going via CCCS or writing to them directly? Many thanks.

    http://img14.imageshack.us/img14/971...a1of10edit.jpg
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  2. 15th September 2009 21:50 #2
    old_andrew2007 old_andrew2007 is offline
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    Default Re: LMD75 versus Tesco

    CCCS are an excellent resource and will help with setting up repayment plans with your creditors

    Advice is based on my personal opinion, and what I have learnt from this forum.
    If you need legal advice please consider consulting a lawyer.

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  3. 15th September 2009 22:50 #3
    lmd75 lmd75 is offline
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    Default Re: LMD75 versus Tesco

    Thanks old_andrew2007 - Anyone have any input on the attached CCA? Thanks.

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  4. 17th September 2009 08:13 #4
    lmd75 lmd75 is offline
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    Default Re: LMD75 versus Tesco

    Would someone be kindly enough to help me out with this agreement. I have received another exactly the same from Natwesticon and Tesco. Need to come up with a plan sharpish. These agreements were taken out after 2007 online.

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  5. 21st September 2009 22:16 #5
    lmd75 lmd75 is offline
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    Default Re: LMD75 versus Tesco

    Please can anybody point me in the right driection with this one? I have two other agreements like this one in which I need to action sharpish.

    Many thanks.

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  6. 5th October 2009 22:01 #6
    lmd75 lmd75 is offline
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    Default Re: LMD75 versus Tesco

    Bump.

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  7. 6th October 2009 23:58 #7
    old_andrew2007 old_andrew2007 is offline
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    Default Re: LMD75 versus Tesco

    bump

    Advice is based on my personal opinion, and what I have learnt from this forum.
    If you need legal advice please consider consulting a lawyer.

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  8. 11th October 2009 09:50 #8
    lmd75 lmd75 is offline
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    Default Re: LMD75 versus Tesco

    I am getting desperate with this one and have received missed payment letters. Can anyone help?

    Many thanks.

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  9. 11th October 2009 10:05 #9
    silverfox1961 silverfox1961 is offline
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    Default Re: LMD75 versus Tesco

    Hi,
    As it was taken out in 2008 and it has your details and a tick in the box, I would say it is enforceable.

    They key financial info is there along with all the other terms and it is before your signatureicon (tick)

    You could try writing to them at first but if they don't respond positively then go to CCCS or Payplan and see if they can help.


    fox

    If you are asked to deal with any matter via private message, PLEASE report it.
    Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor

    Do you need debt advice? Look at this excellent blog. 10 steps to put YOU back in control
    Part 1--Part 2--Part 3--Part 4--Part 5--Part 6--Part 7--Part 8--Part 9--Part 10
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  10. 11th October 2009 10:50 #10
    lmd75 lmd75 is offline
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    Default Re: LMD75 versus Tesco

    Thanks very much Silverfox for replying - atleast I now know that I have three cards that are enforceable - very much appreciated.

    Is there a template letter that I can send them all to try and freeze interesticon and is there a minimum that I can offer?

    I would rather not deal with anyone via phone and keep everything in writing.

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  11. 11th October 2009 11:08 #11
    silverfox1961 silverfox1961 is offline
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    Default Re: LMD75 versus Tesco

    Have a look here:

    http://www.consumeractiongroup.co.uk...templates.html

    Lots of letters to choose from.

    Absolutely keep everything in writing. You need a paper trail to show you are trying to deal with this

    If you are asked to deal with any matter via private message, PLEASE report it.
    Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor

    Do you need debt advice? Look at this excellent blog. 10 steps to put YOU back in control
    Part 1--Part 2--Part 3--Part 4--Part 5--Part 6--Part 7--Part 8--Part 9--Part 10
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE