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:
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  1. 10th June 2007 07:56 #1
    Trojan1401 Trojan1401 is offline
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    Default Tesco CC - Not Reissuing Card

    Hi All,

    Just after a bit advice please.

    Received a letter from Tesco Finance advising they will not reissue card on expiry at the end of this month "based upon recent payment activity." I should also not use the account with immediate effect.

    OK, I had missed a few payments & once went over limit but sorted everything out around August last year.

    I rang them yesterday and was advised basically because of the "recent" activity that they would not re-issue. Explained situation & was advised that there was also a late payment in Jan - credited 3/1/07 - due 30/12. OK agree it was late but banking systems over BH !!!

    I then stated that is this due to recovering charges last Sept, but was advised this had nothing to do with their decision (a bit cynical here ).

    I will write to them but just wondering if this has happened to anyone recently, is it a new tactic etc.

    They have not actually closed the account, they have "kindly" allowed me to spread repayments over a period of time albeit including accrued interesticon.

    Bit of a strange one but any ideas please.

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  2. 10th June 2007 17:26 #2
    Parkvale Parkvale is offline
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    Default Re: Tesco CC - Not Reissuing Card

    They are trying to say that they are" responsible lenders " When you say this was due to recovering charges. Could you elaborate a little please?

    A person is only as big as the dream they dare to live.


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    Its your money taken unlawfully from your account and you have a legal right to claim it back.
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  3. 11th June 2007 22:39 #3
    Trojan1401 Trojan1401 is offline
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    Default Re: Tesco CC - Not Reissuing Card

    Certainly,

    I only had £265 of penalty charges which were refunded in full after I replied to their first offer of £50. Literrally I refused the initial offer then within about a week, full amount credited to my account.

    This was last September--- I guess they do have long memories.

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  4. 11th June 2007 22:51 #4
    chicken crazy chicken crazy is offline
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    Default Re: Tesco CC - Not Reissuing Card

    Ahh, I had the same letter after I requested info I phoned and was told the same thing! ... I was annoyed at first but then thought well, what the heck if I need a card I will try elsewhere - wonder if I was a little nieve with hindsight! Incidently I'm going to be claiming from them shortly for charges!
    Fingers Crossed.
    Chicken Crazy

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  5. 11th June 2007 22:58 #5
    Trojan1401 Trojan1401 is offline
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    Default Re: Tesco CC - Not Reissuing Card

    Hey Crazy Chick,

    I use the card for expenses etc & there is a fair bit of monthly ins & outs on the card. I'm wondering whether Tesco does not like the amount of points per month on it & because of previous misdemeanors ?? is that one of the reasons. I do use it more as a company card rather than personal. Perhaps that is an excuse that they are giving.

    I do suspect it is a Tesco decision rather than RBSicon.

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