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. 20th November 2006 11:50 #1
    hairyscotsman hairyscotsman is offline
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    Default sole trader...what act do i quote

    Hi there..I am a sole trader as oppsed to a limited company and i am just away to send my first letter to my ban. Which act should i quote as i believe there is a difference when claiming as a business as oipposed to a personal account and i am not sure where i fall in these categories.

    Many Thank s

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  2. 20th November 2006 12:56 #2
    PhantomReclaimer PhantomReclaimer is offline
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    Default Re: sole trader...what act do i quote

    The main leg of your argument is derived from the common Law principle that penalty charges for breach of contract are unlawful. Same as if you were claiming as a private person.

    The UNCTA 1977 may or may not apply. Depends whether you can show that the business its self was acting as a consumer or not.

    P.

    Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.
    MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06
    Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06
    Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.
    Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE