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)


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  1. 13th November 2009 10:46 #1
    grenville353 grenville353 is offline
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    Default Grenville v barclaycard visa

    Hi everyone
    having read lots of posts i am starting my own, lots of assistance required


    I have sent the cca request which they signed as received 11/10/09

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  2. 13th November 2009 10:47 #2
    maroondevo52 maroondevo52 is offline
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    Default Re: Grenville v barclaycard visa

    Hi, Grenville.

    How old is the card and are there any charges you could re-claim ?

    Regards.

    Scott.

    Any advice I give is honest and in good faith.
    If in doubt, you should seek the opinion of a Qualified Professional.

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  3. 13th November 2009 11:05 #3
    grenville353 grenville353 is offline
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    Default Re: Grenville v barclaycard visa

    the card was started around 1990 i think.

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  4. 13th November 2009 11:10 #4
    maroondevo52 maroondevo52 is offline
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    Default Re: Grenville v barclaycard visa

    Are there any charges worth re-claiming.

    Any advice I give is honest and in good faith.
    If in doubt, you should seek the opinion of a Qualified Professional.

    If you can, please donate to this site.
    Help keep it up and active, helping people like you.


    If you no longer require help, please do what you can to help others
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  5. 13th November 2009 11:25 #5
    grenville353 grenville353 is offline
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    Default Re: Grenville v barclaycard visa

    there most definatly will be , ill be sendind subject access requestson monday, for this one , and 5 others

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  6. 13th November 2009 12:59 #6
    grenville353 grenville353 is offline
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    Default Re: Grenville v barclaycard visa

    reference SARicon do i need to send a request for each account seperatly (£10 each) or can i bundle all 3 together (£10 total)

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  7. 13th November 2009 13:10 #7
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    Default Re: Grenville v barclaycard visa

    I've only sent £10 for however many accounts. I'm sure the credit card company store the various documents for each account in the same building

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  8. 13th November 2009 13:38 #8
    grenville353 grenville353 is offline
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    Default Re: Grenville v barclaycard visa

    do i send the SARicon to triton / mercers or mint/barclardcard direct

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  9. 13th November 2009 15:44 #9
    grenville353 grenville353 is offline
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    Default Re: Grenville v barclaycard visa

    update for my previous question
    should i send the SARicon to the DCAicon firm or the original lenders ?

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  10. 13th November 2009 18:29 #10
    maroondevo52 maroondevo52 is offline
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    Default Re: Grenville v barclaycard visa

    Hi,

    Send the SARicon to the original creditors.

    Any advice I give is honest and in good faith.
    If in doubt, you should seek the opinion of a Qualified Professional.

    If you can, please donate to this site.
    Help keep it up and active, helping people like you.


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  11. 13th November 2009 18:44 #11
    grenville353 grenville353 is offline
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    Default Re: Grenville v barclaycard visa

    ta

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  12. 14th November 2009 01:38 #12
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    Default Re: Grenville v barclaycard visa

    Hi Grenville,

    Send the SARicon to the BC address on your statement. Use Rec'd Del'y and keep copies of all letters.

    Mention each of the credit card accounts and any other Barclaysicon bank a/c which you have now, or held over the past 6 yearsicon.



    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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  13. 14th November 2009 16:42 #13
    grenville353 grenville353 is offline
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    Default Re: Grenville v barclaycard visa

    just received the T&C and a photocopied blank agreement on this card, I am very pleased with their quick response. lol

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  14. 15th November 2009 00:05 #14
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    Default Re: Grenville v barclaycard visa

    Hi Grenville,

    Use one of the letters (posts 2 or 4, I think) here to tell BC you consider the a/c to be in dispute - http://www.consumeractiongroup.c o.uk/forum/barclaycard/167584-barclaycard-no-cca.html

    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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  15. 15th November 2009 14:51 #15
    grenville353 grenville353 is offline
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    Default Re: Grenville v barclaycard visa

    thanks for that i will use letter no 4,
    I am in a arangement with mercers, paying a low amount that i can afford, would it be easier to continue paying this whilst my claim goes on ???

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  16. 15th November 2009 23:23 #16
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    Default Re: Grenville v barclaycard visa

    If you can, and want to, maintain the payments, do so and avoid the hassle of numerous phone callsicon from BC and then Mercers.

    If you can't afford them or don't want to pay while the a/c is in dispute, stop.

    When the SARicon reponse comes back and you have data about penalty charges, you can then decide what to do, as you'll have an idea of what impact reclaiming the charges will have on the a/c balance.

    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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  17. 19th November 2009 13:41 #17
    grenville353 grenville353 is offline
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    Default Re: Grenville v barclaycard visa

    SARicon delivered (signed for) 18/11/09

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  18. 24th November 2009 13:29 #18
    grenville353 grenville353 is offline
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    Default Re: Grenville v barclaycard visa

    can anyone direct me to a budget planner please, computer crashed , i need to start again (very frustrated)

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  19. 24th November 2009 13:53 #19
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    Default Re: Grenville v barclaycard visa

    Sorry to hear about the crashed 'puter.

    Look in the Bank Templates forum. At the foot of the Hardship Letter - http://www.consumerforums.com/resour...n-for-hardship



    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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  20. 24th November 2009 14:03 #20
    grenville353 grenville353 is offline
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    Default Re: Grenville v barclaycard visa

    thank you slick

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