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:
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  1. 25th February 2010 14:01 #1
    fergal71 fergal71 is offline
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    Default masterloan barclays PPI

    a friend has received letter stating PPIicon will be refunded if they sign new loan agreement...

    they have loan and it has arrears... do they need to sign new agreement or can they insist on refund and continue with current loan with PPI removed even though they are in arrears....

    what are Barclaysicon allowed to do in this circumstance????

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  2. 25th February 2010 22:44 #2
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    Default Re: masterloan barclays PPI

    Hi Fergal,

    This suggests the bank may not have an enforceable credit agreement.

    You don't have to sign a new loan agreement. If you want the refund to be paid direct, give them a warning lbaicon and, if nec'y start court action.

    They could agree to refund voluntarily but set it against the a/c balance.

    The best way to avoid this, and to make sure you get the best refund you can, is to seek repay't of the PPIicon plus interesticon in restitutionicon at the bank's contractual rate.

    Read more about this in the Interest Tutorial at Link No6 in my signatureicon.



    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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  3. 27th February 2010 11:51 #3
    fergal71 fergal71 is offline
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    Default Re: masterloan barclays PPI

    they have offered refund but it will be wiped out by arrears...
    Can they use to pay off arrears or should they refund direct and chase arears later...

    Also they say they will not refund PPIicon until new agreement signed?

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  4. 27th February 2010 23:10 #4
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    Default Re: masterloan barclays PPI

    Hi Fergal,

    As already said above, if you claim restitutionary interesticon, they'll refuse to repay voluntarily.

    Then you sue them and they will have to repay you direct to avoid the court hearing.

    Plus you'll be claiming more than if you only reclaim the PPIicon and Statutory Interest at 8%.

    Once they see you are serious about reclaiming, they will forget all about their suggestion that you sign a new agreement.

    If you're not convinced about this, check out how much you can claim using a compound interest spreadsheet. See how much the claim would come to.



    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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  5. 15th March 2010 15:45 #5
    bello217 bello217 is offline
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    Default Re: masterloan barclays PPI

    how will we know if we can claim compound interesticon as this bit puzzles me, can someone please kidnly explain this bit thanks

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  6. 15th March 2010 23:42 #6
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    Default Re: masterloan barclays PPI

    Hi Bello,

    I've replied to this on your Eggicon thread.



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