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. 12th September 2006 12:54 #1
    clint1974 clint1974 is offline
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    Default Clint1974 vs Barclaycard

    Hello All

    I have a Barclaycard Gold which is at its £5000 limit. I started by writing a letter saying that i'd like them to reduce the interesticon rate as i have been a customer since 2003. Still waiting to hear back as only just recieved it. I rang up after registering on there online facility, number 0161 953 5501 to request statements since accounts inception. Ordered no problem, i presume the £10 charge will appear on my card as he didn't mention anything.

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  2. 12th September 2006 12:59 #2
    livelylad livelylad is offline
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    Default Re: Clint1974 vs Barclaycard

    you never know clint they sometimes are feeling generous or unwell and give you the statements free. A gesture of goodwillicon LOL






    I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.
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  3. 15th September 2006 20:47 #3
    clint1974 clint1974 is offline
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    Default Re: Clint1974 vs Barclaycard

    Well they arrived today with a letter saying the rest would follow! Also a letter from Customer Services saying my rate cannot be reduced Will have to find out there Customer Retention Dept and keep hassling!

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  4. 18th September 2006 10:24 #4
    clint1974 clint1974 is offline
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    Default Re: Clint1974 vs Barclaycard

    I have just spoken to Barclaycard and they have charged me £114 for copy statements! That is taking the micheal. This is unbeleivable! They never told me thats how much it would cost!

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  5. 25th September 2006 09:48 #5
    clint1974 clint1974 is offline
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    Default Re: Clint1974 vs Barclaycard

    Well i got the remainder of my statements thru. Gonna sit down this eve and go through all the charges.

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  6. 3rd October 2006 14:21 #6
    clint1974 clint1974 is offline
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    Default Re: Clint1974 vs Barclaycard

    Right sending the Prelim to Ms Woodcock, can someone point out the data protection non compliance form please. They provided statements but @ £3 ea and the usual speel about microfiche!

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  7. 3rd October 2006 14:34 #7
    Wolfy Wolfy is offline
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    Default Re: Clint1974 vs Barclaycard

    But unless you sent them a Subject access requesticon under the Data Protection Act then they have unfortunately done nothing wrong. By the sounds of it you haven't done so and merely requested your statements for which they are allowed to charge you. You can, I think recover your costs as part of your court application. The template is here

    http://www.consumeractiongroup.co.uk...ction-act.html

    But before you do anything else I would recomend you take some time and read through the posts on the forum as if you make a mistake it could cost you later.

    (sorry that sounded a bit condescending)

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  8. 3rd October 2006 15:00 #8
    clint1974 clint1974 is offline
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    Default Re: Clint1974 vs Barclaycard

    No thats fine cheers. I requested them via phone but i dont think i said i t was a S.A.R, but also They didnt say it would be £114. They have refunded £68 as a "goodwill gestureicon" but i am determined to get the rest back.!

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  9. 30th October 2006 14:52 #9
    clint1974 clint1974 is offline
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    Default Re: Clint1974 vs Barclaycard

    Well Ms Woodcock has replied stating that i agreed to the "terms & Conditions" when i applied for my card, so in other words its court time! Superb. Never got to go to court with my bank charges as they refunded b4 the court stage, so looking forward to the fight! Any advice appreciated! am gonna have a look at the Mcol stuff.

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  10. 30th October 2006 15:46 #10
    clint1974 clint1974 is offline
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    Default Re: Clint1974 vs Barclaycard

    Filed Mcol bring it on!

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  11. 8th December 2006 10:13 #11
    clint1974 clint1974 is offline
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    Default Re: Clint1974 vs Barclaycard

    aqicon Sent

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  12. 1st March 2007 19:43 #12
    clint1974 clint1974 is offline
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    Default Re: Clint1974 vs Barclaycard

    Got hearing at local court on 28th March scheduled to last 10 mins. Will they settle before hand or on the day?

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  13. 6th March 2007 16:31 #13
    clint1974 clint1974 is offline
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    Default Re: Clint1974 vs Barclaycard

    Anyone ?

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  14. 6th March 2007 19:00 #14
    paulpb123 paulpb123 is offline
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    Default Re: Clint1974 vs Barclaycard

    10 mins sounds like a swift hearing! They should settle before. Their litigation dept told me today that 'Barclaycard do not want to go to court'. Don't take any chances though and make sure you comply with the judges directions. Good luck,
    Paul

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    Capital One: Paid
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    In unvanquishable number!
    Shake your chains to earth like dew
    Which in sleep had fallen on you:
    Ye are many - they are few!

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  15. 21st March 2007 12:54 #15
    clint1974 clint1974 is offline
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    Default Re: Clint1974 vs Barclaycard

    Well i had an offer from there litigation dept for around half what i am claiming, promptly returned a letter accepting as part settlement and said i would see them in court for the rest + costs.

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  16. 22nd March 2007 18:24 #16
    clint1974 clint1974 is offline
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    Default Re: Clint1974 vs Barclaycard

    I have been offered & have accepted the amount i am claiming now. I recieved a letter also from Mercers debt collectionicon agency saying that i have defaulted etc etc... how coincidental!

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  17. 26th March 2007 19:56 #17
    clint1974 clint1974 is offline
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    Default Re: Clint1974 vs Barclaycard

    Anyone had any dealings with Mercers ?

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  18. 28th March 2007 00:04 #18
    clint1974 clint1974 is offline
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    Default Re: Clint1974 vs Barclaycard

    Take that as a no!

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