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 Lisa v's Barclaycard

    Hi Peeps,

    well, after my MCOL's with HSBCicon and Natwesticon, i am ready to take on another so Barclaycard here I come!

    Sent my S.A.R - (Subject access requesticon) 09/08/06 and received computer printout of statements going back to may 2004 with the popular letter rambling on about Microfiche and how i am not entitled to the info under the data protection act but they will supply them at £3 per statement bla, bla, bla.

    Replied today via recorded delivery telling them to send them or I will estimate the unlawful charges.

    I'll let you know what happens next.

    Gotta go peeps, need to fax Breakdownicon of charges to DG solicitors for my HSBC claim.

    Take care

    Similar Threads:
    Lisa x

    NatWest: MCOL 16/08/2006
    AQ's - copy received from Cobbets 07/10/06
    offer received: 14/10/06
    FULL AMOUNT RECEIVED TODAY (1st Nov)


    Citicards: LBA sent 05/10/06

    Baclaycard: MCOL 07/09/06
    Defence filed on deadline


    Claims settled in full are:
    Sainsburys Bank
    Mint (RBOS)
    Style store card (RBOS)
    Natwest Mastercard
    Marbles (HFC)
    HSBC
    MBNA

  2. #2
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    Default Re: Lisa v's Barclaycard

    Well, I wrote and estimated the charges. I worked out the average monthly charge and multiplied it by the number of months missing from my SARicon. I received a reply saying they had credited my account with the difference between the charges and the £12 fee recommended by the OFT but only as far back as May 2004. Any charges before that (which were the estimateed ones) were not even mentioned. I have now sent an lbaicon and I have reminded them that I will be adding to my particulars of claim that they have so far failed to provide me with details of charges prior to May 2004 as requested hence the reason the figure is estimated. Let's see what happens next.

    Lisa x

    NatWest: MCOL 16/08/2006
    AQ's - copy received from Cobbets 07/10/06
    offer received: 14/10/06
    FULL AMOUNT RECEIVED TODAY (1st Nov)


    Citicards: LBA sent 05/10/06

    Baclaycard: MCOL 07/09/06
    Defence filed on deadline


    Claims settled in full are:
    Sainsburys Bank
    Mint (RBOS)
    Style store card (RBOS)
    Natwest Mastercard
    Marbles (HFC)
    HSBC
    MBNA

  3. #3
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    Cagger since
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    Default Re: Lisa v's Barclaycard

    Received another s*d off letter as expected. Will now be filing an MCOL with estimated charges. This should be interesting! Anyone else estimated at MCOL stage?

    Lisa x

    NatWest: MCOL 16/08/2006
    AQ's - copy received from Cobbets 07/10/06
    offer received: 14/10/06
    FULL AMOUNT RECEIVED TODAY (1st Nov)


    Citicards: LBA sent 05/10/06

    Baclaycard: MCOL 07/09/06
    Defence filed on deadline


    Claims settled in full are:
    Sainsburys Bank
    Mint (RBOS)
    Style store card (RBOS)
    Natwest Mastercard
    Marbles (HFC)
    HSBC
    MBNA


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