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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    Default bearing v Tesco Credit Card

    Okay, SARicon sent this morning, clock is ticking!

    Will update as necessary.

    One question for the RBSicon/Tesco experts, what are their usual tactics?

    Do they take it all the way to court or do they capitulate earlier?


  2. #2
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    old_andrew2007 Highly informative old_andrew2007 Highly informative old_andrew2007 Highly informative old_andrew2007 Highly informative old_andrew2007 Highly informative old_andrew2007 Highly informative

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    Default Re: bearing v Tesco Credit Card

    good luck

    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.


  3. #3
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    Default Re: bearing v Tesco Credit Card

    Quote Originally Posted by old_andrew2007 View Post
    good luck
    Cheers.

    Anyone any tips?


  4. #4
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    Default Re: bearing v Tesco Credit Card

    Had a letter through from them the other day, requesting I sign the SARicon request.

    Sent letter today with a signed copy (signguard), but also with a covering letter explaining that they are more than happy to send personal letters to the address without need for extra verification of my identity, and also mentioning that the clock is still ticking from the date of my original request and not from when they receive the signed copy as they suggest.


  5. #5
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    Default Re: bearing v Tesco Credit Card

    Had a card through the door the other day from DX (secure Mail Services), guessing it may be my statements.

    The deadline is up tomorrow, but will give them the benefit of the doubt that the parcel I missed was from them. Having the parcel re-delivered on Tuesday.


  6. #6
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    Default Re: bearing v Tesco Credit Card

    Statements from Tesco arrived by courier.

    Going to add interesticon in restitutionicon, on looking at the advanced calculator what interest figure do I use?

    Am I looking at somewhere around 26.9%?

    If so what is the basis of this amount and is there precedent for using this amount or any other amount for that matter?


  7. #7
    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

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    Default Re: bearing v Tesco Credit Card

    Hi Bearing. Looking in as asked.

    The following threads are well worth reading:-

    http://www.consumeractiongroup.co.uk...rclaycard.html
    http://www.consumeractiongroup.co.uk...rclaycard.html
    http://www.consumeractiongroup.co.uk...round-2-a.html

    Have you thoroughly read through here - http://www.consumerforums.com/resour...erest-tutorial In particular, there is a spreadsheet under the CREDIT CARDS heading which users seem to prefer.

    Alternatively, use this to calculate the interesticon separately on each charge - Compound interest calculator

    If the data from Tescos confirms the Cash Rate APR, use that, or use the figure already on the spreadsheet mentioned above.

    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: bearing v Tesco Credit Card

    Cheers slick



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