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. #1
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    Default Mrs M and other son in law

    My son in law has had an account with Woolwich then taken over by Barclaysicon. Last Year they stuck him with the reserve, and when he went over this they were charging him £22. He called them and told them to take the reserve off his account and he was told that they could not and by law they could do this.
    About 5 mnths ago he went over his limit again and the charges were mounting up we went to the bank and explained to an advisor that this was getting rediculous he told us we could cancell the reserve but only when he paid all the charges off. I asked him why they told us on the phone that it could not be done and he informed us that there was no such policy and we must have been mistaken, I called him a liar.

    My son in law changed banks and wrote to barclays registered office in Nov 09 to complain at the same time I did an SARicon.

    We waited and waited and finally I sent another letter this month.

    He got a reply today.




    Have sent a reply back advising them that all data includes statements and coms logs.

    will let you know what happens

    Mrs M

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  2. #2
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    Default Re: Mrs M and other son in law

    Hi everyone have had a lot of response since my last post so will break it down.

    Never got a reply from the legal dept. Sent another few letters to them with the threat of the ICO for not giving me the documents pertaining to the Reserve Charge, finally got a reply back.








    What a load of bull.

    Sent them another letter informing them I have spoken to ICO and have been advised to put in a complaint to them regarding the letter they say I can only have for legal issues.

    Have put the compliant into the ICO and will now await reply to both.

    Will update as soon as I hear anything.

    Mrs M

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  3. #3
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    Default Re: Mrs M and other son in law

    Had another letter from them.



    Obviously they are not worried about the fact that we have put in a complaint to the ICO, do they know something we dont.

    Will see what the ICO say although I am not holding out any hope where these people are concerned.

    Mrs M

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  4. #4
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    Default Re: Mrs M and other son in law

    Hi .

    Put the complaint in to the ICO had a letter back from them with reference number etc, will update when I have more.

    Mrs M

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  5. #5
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    Default Re: Mrs M and other son in law

    Keep the pressure on!


  6. #6
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    Default Re: Mrs M and other son in law

    Thanks Noomill

    Not holding my breath on this one as we all know what these bodies are like at sticking by the banks.

    Mrs M

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  7. #7
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    Default Re: Mrs M and other son in law

    Had another letter from the ICO just to let me know they are still on the case.

    Mrs M

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  8. #8
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    Default Re: Mrs M and other son in law

    Okay still waiting.

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