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. 22nd September 2006 15:04 #1
    RG001 RG001 is offline
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    Angry RG001 v Barclaycard

    hello everyone!

    I got my statements from Barclaycard, thankfully I opened the account in June 2004, so I have been able to obtain my statements without any bother. I've searched through them and found 160.00 of charges. What Ineed to know is can I initially ask for the interesticon back on thses charges? I'm not sure of how it works for credit cards?????


    Thanks in advance!

    Similar Threads:
    HSBC - Received offer for 3621, accepted confidentiality crossed out. Money in bank 10/10/06!

    Barclaycard - 180.00 LBA sent 5/10/2006
    72.00 offered, rejected.

    MBNA - S.A.R sent 13/9/2006 :idea:

    Mint - 244.00 prelim sent 30/9/2006

    Dorothy Perkins and GE money - S.A.R sent 30/9/2006

    Simpley BE - S.A.R sent 30/9/2006

    What I say is of my own opinion. Seek professional legal advice if need be.

    If I have helped, tip the scales! Thank you x
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  2. 22nd September 2006 15:36 #2
    neilbass neilbass is offline
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    Default Re: RG001 v Barclaycard

    Hi if you go into the templates libraryicon, there are interesticon Calculator spreadsheets. There are different versions for different spreadsheet packages, and there are versions specifically for credit cards.
    Basically if you have paid interest at all (ie you don't clear your account every month), part of that interest charge is on the unfair charges.

    Good luck!

    Morris v Halifax
    Data Protection Act letter sent 20/6
    Charge deducted from account 27/6
    6 yrs statements received 25/8
    Prelim sent 30/8 (£1014 charges + £156.11 interest).
    Std reply & complaints leaflet received 5/9
    Offer received £70 9/9
    LBA sent 12/9
    No reply to LBA - MCOL requested 26/9
    Offer received 26/9 - £218.
    MCOL issued 26/9, acknowledged 29/9
    Offer 29/9 - full amount ex. o/draft interest
    Accepted as partial
    Credited to account 12/10
    AQ sent for rest
    Morris1 v Barclaycard
    Prelim letter sent 31/8 (£60 charges + interest).
    Standard reply 9/9
    Offer 12/9 - full amount!!
    Morris 2 v Barclaycard (Mrsbass!):
    Data Protection Act letter sent 7/9
    Standard reply received 19/9 inc statements 5/04 to date and microfiche bilge.
    Prelim 20/9 £100+interest actual, +same estimated.
    LBA 3/10
    Partial offer £48 6/10
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  3. 22nd September 2006 15:58 #3
    RG001 RG001 is offline
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    Default Re: RG001 v Barclaycard

    Thank you. you are a star

    HSBC - Received offer for 3621, accepted confidentiality crossed out. Money in bank 10/10/06!

    Barclaycard - 180.00 LBA sent 5/10/2006
    72.00 offered, rejected.

    MBNA - S.A.R sent 13/9/2006 :idea:

    Mint - 244.00 prelim sent 30/9/2006

    Dorothy Perkins and GE money - S.A.R sent 30/9/2006

    Simpley BE - S.A.R sent 30/9/2006

    What I say is of my own opinion. Seek professional legal advice if need be.

    If I have helped, tip the scales! Thank you x
    Reply With Quote Reply With Quote
  4. 22nd September 2006 18:25 #4
    RG001 RG001 is offline
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    Default Re: RG001 v Barclaycard

    I've just had a look at that interesticon calculation sheet, is it right for me to be claiming only 8%? I thought I should claim the actual interest they have charged me on the charges (hope you followed that lol!). I am probably wrong though!

    HSBC - Received offer for 3621, accepted confidentiality crossed out. Money in bank 10/10/06!

    Barclaycard - 180.00 LBA sent 5/10/2006
    72.00 offered, rejected.

    MBNA - S.A.R sent 13/9/2006 :idea:

    Mint - 244.00 prelim sent 30/9/2006

    Dorothy Perkins and GE money - S.A.R sent 30/9/2006

    Simpley BE - S.A.R sent 30/9/2006

    What I say is of my own opinion. Seek professional legal advice if need be.

    If I have helped, tip the scales! Thank you x
    Reply With Quote Reply With Quote
  5. 27th September 2006 14:03 #5
    RG001 RG001 is offline
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    Default Re: RG001 v Barclaycard

    Well I found another charge, so I sent my prelim letter yesterday, only 180, but it all helps!

    HSBC - Received offer for 3621, accepted confidentiality crossed out. Money in bank 10/10/06!

    Barclaycard - 180.00 LBA sent 5/10/2006
    72.00 offered, rejected.

    MBNA - S.A.R sent 13/9/2006 :idea:

    Mint - 244.00 prelim sent 30/9/2006

    Dorothy Perkins and GE money - S.A.R sent 30/9/2006

    Simpley BE - S.A.R sent 30/9/2006

    What I say is of my own opinion. Seek professional legal advice if need be.

    If I have helped, tip the scales! Thank you x
    Reply With Quote Reply With Quote
  6. 7th October 2006 19:20 #6
    RG001 RG001 is offline
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    Default Re: RG001 v Barclaycard

    Sorry for lack of update. Basically they offered me 72.00 based on oft reccomendation guidelines. I replied saying I'll accept as part payment, but I want the rest. They have replied to me today saying no way! What do I do now? I said in my most recent letter that the next action I will take is MCOL, (effectively sent them an lbaicon alondside the rejection letter) shall I now do that, or do I have to wait a certain amount of time? Basically, is it now ok for me to start court proceedings?

    HSBC - Received offer for 3621, accepted confidentiality crossed out. Money in bank 10/10/06!

    Barclaycard - 180.00 LBA sent 5/10/2006
    72.00 offered, rejected.

    MBNA - S.A.R sent 13/9/2006 :idea:

    Mint - 244.00 prelim sent 30/9/2006

    Dorothy Perkins and GE money - S.A.R sent 30/9/2006

    Simpley BE - S.A.R sent 30/9/2006

    What I say is of my own opinion. Seek professional legal advice if need be.

    If I have helped, tip the scales! Thank you x
    Reply With Quote Reply With Quote
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE