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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    Mitch524 Novitiate Mitch524's Avatar

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    Default Sky Card (Barclay Card)

    Sent CCA request to Barclay Card 6th November 2009 and followed it up with a Account In Dispute letter on the 30th November all that has happened so far is constant phone callsicon from them and received a request for payment letter from them dated 31st December via 2nd class post.

    On each occasion letters sent to them were sent recorded delivery and on both occasions were signed for at their end.

    Next step ?


  2. #2
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    Default Re: Sky Card (Barclay Card)

    Hi Mitch,

    Read this thread and follow the advice, about getting BC's Final Response and then complaining to the fosicon - http://www.consumeractiongroup.co.uk...ml#post2644426

    If BC have not responded at all to your CCA request, give them a further 7 days to do so and then complain to the FOS.

    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.

  3. #3
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    Default Re: Sky Card (Barclay Card)

    Thanks Slick will do.


  4. #4
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    Mitch524 Novitiate Mitch524's Avatar

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    Default Re: Sky Card (Barclay Card)

    Still no CCA from Barclaycard and receiving at least 4 phone callsicon a day.

    Also received 2 texts tonight threatening me with passing debt onto DCAicon even though they have not sent a default notice and all demands for payment sent second class post.

    Suggestions on my next course of action ?


  5. #5
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    Default Re: Sky Card (Barclay Card)

    As they've failed to respond at all to your CCA request, complain now to the fosicon as per the thread linked above.

    Ignore their calls but, if they are becoming a nuisance, see here - The Consumer Forums - telephone recorders reviews. Feedback is very good from CAGgers who use it.



    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.

  6. #6
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    Mitch524 Novitiate Mitch524's Avatar

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    Default Re: Sky Card (Barclay Card)

    Thanks again slick.

    They are still adding charges after Dispute letter sent they are just ignoring my letters so as they can screw me further financially.

    Every letter I have sent them has been sent recorded delivery and I have confirmation that they have been signed for. Is this typical tactics from Barclaysicon especially with this request being for a card that they have substituted with a new card which T&C's have no resemblance to the previous cards (Skycard).



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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE