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. 1st September 2006 11:47 #1
    Sickofbanks Sickofbanks is offline
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    Default Common problem? If I 'make trouble' will they demand full repayment?

    I'm sure this is back in the Forum somewhere but I haven't found it so far......

    I would dearly love to take on my credit card companies as I have £££'s to reclaim. Problem is this. I also have loads still owing on the cards, which will not be paid off by the amount of money I might win.

    My nightmare scenario is that I start the process with (say) Eggicon. I currently have a large balance (£10k ish) outstanding on the card mainly comprising purchases. The moment I start the dispute they withdraw the card and demand full repayment of the entire outstanding balance. I can't do that so they issue a default notice...bankruptcy.....d isaster!

    This must be a very common circumstance. What advice/experience has anyone got?

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  2. 1st September 2006 15:44 #2
    PinkGlitterGirl PinkGlitterGirl is offline
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    Default Re: Common problem? If I 'make trouble' will they demand full repayment?

    My advice - that this would be seen as retaliation - and not viewed well by the courts. You would have a strong case to sue them again if they did this.

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  3. 1st September 2006 19:05 #3
    Tigs33 Tigs33 is offline
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    Default Re: Common problem? If I 'make trouble' will they demand full repayment?

    Hi,

    First of all to make you pay the debt off they would have to take you to court, IF you said to the court that you are willing to come to some payment plan then the chances are that the courts would go with this rather than make you bankrupt. No court wants to see you lose anything you have over a 10K credit card debt.

    If in doubt seek the advice of the Citizens Advice Bureau.

    Good luck

    REFUNDED
    Hubbys - HSBC £4,165 paid 18/8 after MCOL issued
    HSBC - £651 paid 18/8 after MCOL issued
    HSBC - £147 Prel 7/8, LBA 21/8, MCOL 6/9 £241
    Hubby Halifax - Prel 29/7 £215, LBA 21/8, Offer rec. £110 22/8, MCOL 6/9 £298
    Abbey - £2758 - Prel 26/6, LBA 10/7 - MCOL 26/7 £3,391, offer 25/8 £1,755.94, paid £3567.32 after Case manag hearing
    Barclays - £675 Prel7/8, LBA 21/8, offer received £300 MCOL 6/9 £998 - Paid £1,012 before going to Court
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE