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. 24th October 2009 15:07 #1
    lisa2393 lisa2393 is offline
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    Angry Confused and miffed!

    Hello all,

    can someone please advise me?

    I had a barclaycard back in 2005 for which hey have never supplied a true CCA, the debt was then and continues to be in dispute.

    There is a default on my credit file from a 1st crediticon limited which was last updated in July of this year.

    My questions are

    as I have no CCA can barclaycard add information on my credit file?

    as I have no CCA and no knowledge of 1st Credit can they add informtion to my credit file

    and if not how can I get them removed.

    Many thanks

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  2. 24th October 2009 23:37 #2
    slick132 slick132 is offline
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    Default Re: Confused and miffed!

    Hi Lisa,

    Did you send a formal CCA request to get sight of your credit agreement, enclosing the £1 fee. Did they respond and, if so, was it just their terms and conditionsicon they sent you.

    If the account was formally In Dispute, they should NOT add defaults or try to collect on the a/c. However, experience shows that the banks and their DCAicon Collection Monkeys do not play by the rules, hoping that no-one will notice.

    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