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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    lochlisa Novitiate

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    Cagger since
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    Default letter to Mercers replied to by BC?

    BC have failed to supply an executed CCA. They say they have complied and the complaint now with fosicon.

    Mercers wrote to me asking to pay up. I wrote back saying where is the CCA?

    Then I receive a letter from BC in reply to my letter to Mercers stating, again, that they believe they have complied with their legal obligations blah blah blah.

    I am currently paying Mercers £1 a month, have sent I&E but have not had a formal acceptance of this amount.

    Do I keep paying or stop and let this take its course now and see if they can actually produce an executed CCA?

    thanks, Lisa


  2. #2
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    Default Re: letter to Mercers replied to by BC?

    I would advise that you continue to pay the £1 per month.

    Ignore Mercers and wait to see if the fosicon can get you sight of the credit agreement.



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