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. 5th September 2006 15:33 #1
    LadyMaria LadyMaria is offline
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    Default maria v barclaycard, small victory quick response

    This is my first semi victory, so I am quite pleased, especially as this has been so fast.

    SARicon sent 22.08.06
    Statements recieved 31.08.06
    Prelim sent 31.08.06 requesting £432.00
    05/09/2006 £216.00 credited to my account.

    Only half has been refunded, are they allowed to keep the other half as OFT states they can charge £12.00?

    Allso I only found out by checking my account, I am waiting for letter from them, no doubt winging it's way to me now!!! Then I will continue to pursue the rest.

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  2. 5th September 2006 15:38 #2
    Spiceskull Spiceskull is offline
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    Default Re: maria v barclaycard, small victory quick response

    Best suggestion is when they send the letter, respond by accepting the payment as part-settlement, and that you will be pursuing them for the balance through courts.

    There is no specified amount they are 'allowed to keep,' and the OFT did NOT state that they can charge £12. The OFT actually said that they would seriously consider legal action against any charges greater than £12, and that only a court could decide whether a charge of less than £12 was lawful...

    Well done though on getting half-way there in such a short space of time...

    Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

    All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
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  3. 5th September 2006 15:41 #3
    LadyMaria LadyMaria is offline
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    Default Re: maria v barclaycard, small victory quick response

    Thank you for clarifying this matter. I will continue the fight.

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