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Small Claims Kit Small Claims Court Guide
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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)

Lawpack - Small Claims Kit
Contains everything you need to sue your bank (or anyone else) including sample forms, instruction manual, templates, and an entire set of court forms in PDF format on CD Rom.
£10.99 + £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)

Fight a Motoring Ticket Kit
All the templates and documents that you need to challenge your speeding ticket, parking fine - with advice from one of the UK's leading motor offence solicitors
£9.99 + £1.50 (P&P)

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  1. #1
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    Popeye Novitiate

    Cagger since May 2006
    Posts 66

    Default I pay be DD but they aren't taking enough?

    Hi All

    Not sure if anyone can help with this one - but I've just had my Barclaycard statement today and checked it for the first time in ages. Looks like they are charging me loads of overlimit charges even though they take payment by DD and can't take whatever they need to from the account....

    Anybody else had this, and if so how did you resolve it?

    Thanks

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  3. #2
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    the_shadow Authoritative the_shadow Authoritative the_shadow Authoritative the_shadow Authoritative the_shadow Authoritative the_shadow Authoritative the_shadow Authoritative the_shadow Authoritative the_shadow Authoritative the_shadow Authoritative the_shadow Authoritative the_shadow's Avatar

    Cagger since Aug 2006
    I am in decipherable like some of my credit agreements
    Posts 5,077

    Default Re: I pay be DD but they aren't taking enough?

    Quote Originally Posted by Popeye View Post
    Hi All

    Not sure if anyone can help with this one - but I've just had my Barclaycard statement today and checked it for the first time in ages. Looks like they are charging me loads of overlimit charges even though they take payment by DD and can't take whatever they need to from the account....

    Anybody else had this, and if so how did you resolve it?

    Thanks
    If the DD amounts are not correct then you need to either a) Ring barclaycard and advise them the minimum payments are not clearing the overlimit amount+normal payment or b) Make a one off payment to get back underlimit

    Then you need to total up all the charges they have given you and start a reclaim for these amounts

    S.

  4. #3
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    Popeye Novitiate

    Cagger since May 2006
    Posts 66

    Default Re: I pay be DD but they aren't taking enough?

    Cheers Shadow

    Will make the payment first thing Monday - and I'm drafting my claim letter right now !

    Thanks

  5. #4
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    the_shadow Authoritative the_shadow Authoritative the_shadow Authoritative the_shadow Authoritative the_shadow Authoritative the_shadow Authoritative the_shadow Authoritative the_shadow Authoritative the_shadow Authoritative the_shadow Authoritative the_shadow Authoritative the_shadow's Avatar

    Cagger since Aug 2006
    I am in decipherable like some of my credit agreements
    Posts 5,077

    Default Re: I pay be DD but they aren't taking enough?

    Quote Originally Posted by Popeye View Post
    Cheers Shadow

    Will make the payment first thing Monday - and I'm drafting my claim letter right now !

    Thanks
    Cool.. keep us posted and ask if you need help.

    S.

  6. #5
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    slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132's Avatar

    Cagger since Feb 2007
    I am in Planet Thanet, Kent
    Posts 12,811

    Default Re: I pay be DD but they aren't taking enough?

    Hi Popye,

    Don't be put off by anything BC say about partial rep't of their charges.

    They are unlawful penalty and you can reclaim them in full. Use this template letter to reclaim your charges and enclose your SOC with it - http://www.consumerforums.com/resour...s/121-bookworm

    Link 1. OFT Debt Coll'n Guide - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf
    Link 2. Checking your credit Agreement - http://www.consumeractiongroup.co.uk...greements.html
    Link 3. Interest Tutorial - http://www.consumerforums.com/resour...erest-tutorial

    Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

    If I've been helpful, please click my scales.

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