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:
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London
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  1. #1
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    Default Barclays not renewing my card after i sent refund request

    Hi Guys

    Got some bad news in the post today

    Instead of a letter from barc saying here is the £300 we owe you (i sent letter with details four weeks ago), i got a letter in the post telling me that they wont be renewing my card (about £1500 bal)

    Now im not flush as it is, xmas is next month and i dont even have much spare for that so i dont have the money to pay these guys back yet.

    anyone know my options? If i agree to setup some kind of repayment planicon do they have to accept as im paying it back? or should i ask for my CCA etc?

    Any help appreciated


  2. #2
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    Default Re: Barclays not renewing my card after i sent refund request

    send an xmas wish - cca them

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  3. #3
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    Default Re: Barclays not renewing my card after i sent refund request

    thanks but what are my options if the do have it?


  4. #4
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    Default Re: Barclays not renewing my card after i sent refund request

    then you would have to pay it back, however just because they want to cancel the card does not IMHO mean you have to pay them it all in one go

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  5. #5
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    Default Re: Barclays not renewing my card after i sent refund request

    ok thats what i was hoping for, do you know for certain or know anyone who has been through the same?


  6. #6
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    Default Re: Barclays not renewing my card after i sent refund request

    Hi Kish,

    You should read some of the BC threads here to see what others are doing. You'll learn loads.

    Have you checked to see if they've refunded your charges. Have they responded to your refund claim letter at all.

    Approx when did you open the a/c.

    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.

  7. #7
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    Default Re: Barclays not renewing my card after i sent refund request

    hi mate, i was trying to look for some where the card had expired but couldnt see any yet

    Ive had it since 2006 and no they haven't put the refund on or responded at all

    I was thinking about CCA'ing them and getting my refund and then if they have it and its properly executed ill pay it back but at something like £50/60 a month?

    In this respect it wouldnt be too bad as i guess they would have to freeze the interesticon too?

    thanks for your help


  8. #8
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    Default Re: Barclays not renewing my card after i sent refund request

    if they terminate the account the the interesticon should be terminated too, what will probably happen is that they pass it on to mercers their in house DCAicon to chase, just ignore their threats and pay what you can when you can

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  9. #9
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    Default Re: Barclays not renewing my card after i sent refund request

    not setup a payment plan tho?



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