Consumer Action Group envelope labels
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Sheet of 20 self-adhesive envelope labels
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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
| | | | CAG Announcements
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Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ.
You will have to register before you can post.
To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide Have you been defaulted?
Would you like to clean up your credit file?
Check it out
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| | | | | | | Abbey Bank Meet other Abbey Bank customers who have also been faced with excessive unfair bank charges. Exchange encouragement and information about getting your bank charges refunded | Welcome to The Consumer Action Group
and
The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed.
To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.
Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | 
8th March 2006, 16:48
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#2 (permalink)
| | Platinum Account Customer
I am in: Lancashire
Posts: 2,042
|  Re: I've been charged £1000s but surely it's my fault?
Quote: |
Originally Posted by LordLee But am i really in with a chance of reclaiming all this cash? | The simple answer is yes, you are in with a chance as long as you know that ultimately you might end up in court against the bank(s). The main crux of the argument is that the banks charges are punitive in nature and that no way does it cost what they say it does when they charge you for going overdrawn, bouncing a direct debit etc, regardless of whether it was your fault or not.
Read around, look at the FAQ's section and everything you need to know on what to do should be covered in there.
Good luck - we're all in it together  | 
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8th March 2006, 16:48
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#3 (permalink)
| | Administrator The Consumer Action Group |
Have a read of the FAQ's - you should already have read the rules of course.
The reason as to why you incurred penalties is largley irrelevant.
__________________
<font face=arial size=1>Advice & opinions of Dave and The Bank Action Group are offered informally, without prejudice & without liability.</font>
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8th March 2006, 17:05
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#4 (permalink)
| | Classic Account Customer |
cheers guys. i've had a good read of the FAQ and all sounds clear.
just 1 question... it was a bit confused whether the Data Protection Act Request Letter or Preliminary approach for repayment letter should be my first action? should i be giving them a phone call first? | |
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8th March 2006, 17:41
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#5 (permalink)
| | Site Team The Consumer Action Group
I am in: Please consider making a donation if we have helped you. Thanks
Posts: 8,146
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You can do it either way you want. However, do realise that it is not an automatic cashback system. You may have to go to court and you will have to convince a judge.
__________________
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts. | |
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8th March 2006, 17:42
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#6 (permalink)
| | Platinum Account Customer
I am in: Lancashire
Posts: 2,042
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Do you know the full amount of the charges that you want to claim back?
If not send the Data Protection letter.
If you do (for definite), send the Preliminary Approach one.
As for a phone call, it's up to you...I kept mine strictly written, sent by recorded delivery, so I had evidence of everything. | |
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8th March 2006, 17:51
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#7 (permalink)
| | Classic Account Customer |
Quote: |
Originally Posted by dolly Do you know the full amount of the charges that you want to claim back?
If not send the Data Protection letter.
If you do (for definite), send the Preliminary Approach one.
As for a phone call, it's up to you...I kept mine strictly written, sent by recorded delivery, so I had evidence of everything. | I fully understand that i may have to go to court. But it's worth it as i'll be defo claiming under £5000.
I know how much to claim for if i just go for the last 6 months... but, i'll have to go the data protection letter route if i go back any further.
hmmmm i have a decision to make. if i go the longer route (data pro letter) any chance the banks will have covered their arse by then? | |
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8th March 2006, 17:54
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#8 (permalink)
| | Platinum Account Customer
I am in: spired.
Posts: 19,678
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Not unless they invent a time machine to go back to 1915 and change the law!  | |
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8th March 2006, 17:56
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#9 (permalink)
| | Site Team The Consumer Action Group
I am in: Please consider making a donation if we have helped you. Thanks
Posts: 8,146
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The banks consider that they already have their rear-ends quite covered.
It will be up to you in a courtroom to pull the veil aside.
__________________
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts. | |
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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