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. 27th April 2006 18:53 #1
    millie millie is offline
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    Default completely new to this...

    i can't believe i've been reading this for 2 hours now but i'm thinking it'll be worth it!

    i was just stewing over whether to ring Abbeyicon and ask for refund of latest charge (partner's fault - again) when i followed the link from moneysavingexpert's website (another great one) to here and now i think i'll start a claim against them.

    it's all a bit daunting but my worry is that a lot of the charges are down to poor management of our joint account - does that make a difference? although the main reason we are constantly in our o/d and therefore without a safety net is because of the ridiculous charges we keep incurring...

    here goes...

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  2. 27th April 2006 19:04 #2
    scotia scotia is offline
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    Default Re: completely new to this...

    Quote Originally Posted by millie
    it's all a bit daunting but my worry is that a lot of the charges are down to poor management of our joint account - does that make a difference?

    I would say no......i am in a similar situation to you....was afraid to embark, because in the end it was my fault.....but my first claim has been lodged, with many more to follow...

    ....my main point in relation to your question is that the bank are entitled to claim 'liquidated losses' in relation to a breach of contract....and £39 or whatever you get charged is certainly not 'liquidated losses'....it's the banks way of making skint people even skinter. So read the FAQ's, and send your first letter of asap....i would recommend one thing however......make sure you send all correspondence Recorded or Special Delivery so that you have proof you sent it and they received it

    Anyways...good luck...and may the force be with you !! lol

    OH AND PS.......If you find this helpful, can u click on the scales on the top right .....gimme some Brownie POints


    IF YOU FEEL I HAVE HELPED YOU IN REPLYING TO YOUR POST, CAN YOU CLICK ON THE SCALES AND LET ME KNOW

    Halifax     - Total £2116 - Plus approx £300 in interest plus fees for 3 small claims...settled all within 3 weeks of claim.....Now for the mortgage.....
    Clydesdale Bank - Credit Card - Sent Data Protection Act - Awaiting statements
    Clydesdale Bank - Current Account - Awaiting statements

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