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. #1
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    Default millymollymoo o/h V barclaycard

    Well as two claims are at court stage sent off for my O/H's S.A.R 25th january. Received a letter confirming they would comply the day after we received statements on 1st Feb Was not expecting them so quick. Noticed a few statements were missing however this tallys with the fact that the balance was 0 at these times on checking aginst our record on payments made.

    Not a huge amount of charges with contractual, so the prelim is being sent tomoz However this will clear is balance and give him £80 up front. another card to close in our attempt to clear these debts for good!!!

    Milly X

    Similar Threads:
    CAPITAL ONE (O/H!): Won £1864.63 including contractual

    GE MONEY: WON £266.00

  2. #2
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    Default Re: millymollymoo o/h V barclaycard

    Sent prelim on 8th Feb.


    Milly X

    CAPITAL ONE (O/H!): Won £1864.63 including contractual

    GE MONEY: WON £266.00

  3. #3
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    Default Re: millymollymoo o/h V barclaycard

    Hi Milly
    You are on your way.... good luck
    DS


  4. #4
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    Default Re: millymollymoo o/h V barclaycard

    Thanks DS I value your kind thoughts

    Milly X

    CAPITAL ONE (O/H!): Won £1864.63 including contractual

    GE MONEY: WON £266.00

  5. #5
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    Default Re: millymollymoo o/h V barclaycard

    ok received reply 12th feb saying we think charges are fair blah blah... and we will deposit a sum equal to 50% of charges into account ..... Me O/H thinks not and sent a letter stating this as full rejection combined with his lbaicon 28th they recceived 1st March.

    Right O/H will not spend on card so they cannot say he spent it. However when he went online to pay his minimum amount they had no option available to pay..the reason cos they have deposited the sum/

    Well he is determined to pay his minimun going in line that he does not acknowledge the payment. He said he will send cheques if they will not take adebit card payment over the phone.

    We have a very cunning plan

    Milly XX

    CAPITAL ONE (O/H!): Won £1864.63 including contractual

    GE MONEY: WON £266.00

  6. #6
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    Default Re: millymollymoo o/h V barclaycard

    You could pay the bill at a bank counter with cash


  7. #7
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    Default Re: millymollymoo o/h V barclaycard

    or by banktransfer from my Halifaxicon account online, thats how I pay my barclaycard every month.


  8. #8
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    Default Re: millymollymoo o/h V barclaycard

    UPDATE>>>>>>>

    Right Barclaycard have sent a reply to the lbaicon today and they will not give the full charges back only what they offered before 50%!!!!.

    So Barclaycard you obviously want to disclose your charges then do you cos you are adamant that they are fair . So you won't complain then when O/H files next week!!! first crediticon Card company thats actually refused FULL charges!!! Good though cos it shows they are unreasonable when it comes to a hearing.

    Milly XXx

    CAPITAL ONE (O/H!): Won £1864.63 including contractual

    GE MONEY: WON £266.00

  9. #9
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    Default Re: millymollymoo o/h V barclaycard

    Keep it up Milly. I

    'm just about to send my SARicon off to them myself after the spectacular collapse of Mint

    18/11/2006 Recieved Statements from Barclays.
    20/11/2006 Sent Prelim for return of £575.
    27/11/2006 Received offer of £290.
    4/12/2006 Sent LBA.
    8/1/2007 Filed Small Claim at court.
    12/02/2007 Full settlemant from Barclay's.
    12/02/2007 LBA sent to Mint.

  10. #10
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    Default Re: millymollymoo o/h V barclaycard

    Thanks Ropey

    I think these are gonna be the worst for wasting courts time. My O/H will be sending another letter confirming to them that the OFT did NOT sat that £12 was the agreed amount and that was up to a court to decide.

    What makes me angry is you ask them to enter into sincere dialogue and adapt your letters to your circumsatnces and they send you a bog standard template that is not applicable to anything you have said

    MillyXX

    CAPITAL ONE (O/H!): Won £1864.63 including contractual

    GE MONEY: WON £266.00

  11. #11
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    Default Re: millymollymoo o/h V barclaycard

    Milly
    You are learning very fast about the big bad banks.
    DS


  12. #12
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    Default Re: millymollymoo o/h V barclaycard

    Hi DS

    I agree. Im gonna mediate away {on O/H's behalf!!}with these cos I want to show the court how REASONABLE he his. Bless him

    Milly XXX

    CAPITAL ONE (O/H!): Won £1864.63 including contractual

    GE MONEY: WON £266.00

  13. #13
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    Default Re: millymollymoo o/h V barclaycard

    Ok sent lbaicon Extension giving them afurther 14 days cos they completely ignored O/H's letter and answered with a template {expected really! ] letter went yesterday. The reason is now claiming consequential loss previously mentioned in LBA cos annoyed they wouldnt budge on first offer.

    Also, received his statement today - they have taken back the money they deposited Good leaves the whole claim intact.

    Me thinks that theiy will not be liking the letter sent - tough its a loss we are suffering through using equity in our home to pay the bl***y charges and refunding them will not put us back to the same position will it.

    They have till 22nd to reply!

    Milly XXX

    CAPITAL ONE (O/H!): Won £1864.63 including contractual

    GE MONEY: WON £266.00

  14. #14
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    Default Re: millymollymoo o/h V barclaycard

    they received monday

    milly x

    CAPITAL ONE (O/H!): Won £1864.63 including contractual

    GE MONEY: WON £266.00

  15. #15
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    Default Re: millymollymoo o/h V barclaycard

    Hi Milly
    Barclaycard take much much longer than Capital Oneicon to repay. Mine with Barclaycard is at Court date stage. I have already sent my bundle off and they have only till next week to do follow the directions of the Judge, otherwise he will dismiss the defences claim.
    I will update you when they pay!!
    DSxx


  16. #16
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    Default Re: millymollymoo o/h V barclaycard

    You know DS the juges should strike out their defences. Pure waste of court time.

    Anyway GOOD LUCK should not be long now

    Milly XXX

    CAPITAL ONE (O/H!): Won £1864.63 including contractual

    GE MONEY: WON £266.00

  17. #17
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    Default Re: millymollymoo o/h V barclaycard

    Quote Originally Posted by millymollymoo View Post
    You know DS the juges should strike out their defences. Pure waste of court time.

    Anyway GOOD LUCK should not be long now

    Milly XXX
    I agree with you Milly, but the courts have to be impartial. Well tomorrow at 4pm is the deadline for my GM Claim and next Friday at 4pm is Barclaycard's deadline. My actual court dates are both on 30th April, so if either or both of these do not comply by their deadlines, a feel a judgement coming sooner. To be fair to GM they have tried to fob me off with a lower offer, they are part of HSBCicon and they use the same Solicitors (I expect in house) D & G who deal with the thousands of HSBC claims as well. I am sticking out for all of my claim, which they have now agreed in principle on the charges but the interesticon they only want to pay 8% instead of the 19.9% which they charged me, Is that fair!!! I don't think so, so I am definately sticking to my guns. I will keep you advised.
    All the best
    DSxx


  18. #18
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    Default Re: millymollymoo o/h V barclaycard

    Hi DS Course they only want to pay you 8% but what do they want to do? Disclose think not Its cat and mouse ..you the cat them the mouse

    Milly XXXXXXXX

    CAPITAL ONE (O/H!): Won £1864.63 including contractual

    GE MONEY: WON £266.00

  19. #19
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    Default Re: millymollymoo o/h V barclaycard

    Quote Originally Posted by millymollymoo View Post
    Hi DS Course they only want to pay you 8% but what do they want to do? Disclose think not Its cat and mouse ..you the cat them the mouse

    Milly XXXXXXXX
    My boss calls me a rotweiler.... because I never let go untill the job is done.So no chance of me caving in now.
    Regards
    DS xxxx


  20. #20
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    Default Re: millymollymoo o/h V barclaycard

    LOL DS

    Milly XXXX

    CAPITAL ONE (O/H!): Won £1864.63 including contractual

    GE MONEY: WON £266.00


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