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. 19th March 2007 12:06 #1
    standingupformyself standingupformyself is offline
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    Default how will it affect my current account if I claim charges?

    Hi there.
    I have two accounts with Barclaysicon, one is a joint one with my hubby and the other in my own name. Both accounts are in credit (just!) I have been going through my statements with my single account and have found five unpaid direct debiticon fees, each of £30. I suspect there may be two or three more somewhere. Anyway, rather than send off and claim the old statements I am inclined to send the first letter to Barclays now. Will attempting to claim (and hopefully winning) this amount have any affect on either of my bank accounts, ie will they close either of my accounts?

    14.03.07 applied for statements from Abbeyicon Current account
    19.03.07 applied for statements from Abbey/MBNAicon credit card
    19.3.07 applied for statements from Barclaycard

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  2. 19th March 2007 15:35 #2
    crashbandicoot crashbandicoot is offline
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    Default Re: how will it affect my current account if I claim charges?

    Hi there,

    There is always the risk that Banks may retaliate and close your account, but mostly they don't as they are now handling thousands of penalty charge claims. If you are anxious about account closure, you need to look into opening a parachute accounticon as a back-up. Information on this can be found in the FAQS.

    By all means go ahead and start your claim by sending the first letter based on the info you have, and in the meantime request your statements too, as they may unearth further charges. You can add more charges to your claim up until the point you file a court claim. After that, any new charges will have to wait for a new claim

    Crash




    DAY 1: 12/09 - S A R to British Gas
    DAY 45: 27/10 - Data Non-Compliance sent off
    DAY 67: 18/11 - N1 Deemed served
    DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06
    24 Days: E2Save Settled in full £70
    59 Days: Barclaycard claim Settled in full £134.39
    162 Days: Halifax Settled in full £1543.80
    179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs
    254 Days: Barclays 2 Settled in full £1450.91

    Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.
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  3. 23rd March 2007 20:55 #3
    standingupformyself standingupformyself is offline
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    Default Re: how will it affect my current account if I claim charges?

    If they were to close the account, would it just be the account that I am claiming charges on, or would they attempt to touch my joint account and newly-opened E Savings account.=, bearing in mind that all the accounts are slightly in credit.??

    anyone know why my signatureicon is not showing up?

    I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard
    Abbey National still to go.... what will I do with my spare time?
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE