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
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Welcome Guest
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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
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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
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008 Have you been defaulted?
Would you like to clean up your credit file?
Check it out
| | | | | | | 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 |  | 
12th March 2006, 16:41
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#2 (permalink)
| | Administrator The Consumer Action Group |
It depends - was the overdraft a direct (or indirect actually) result of their charges?
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<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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12th March 2006, 16:54
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#3 (permalink)
| | Basic Account Customer |
It was an authorised overdraft.
It was initially probably set up (and increased over time as a result of charges). But it had not accrued due to bank charges (iykwim)
My problems at the time were the lack of notice from them (I received a letter saying ' your overdraft if due to expire next month, you need to pay it back' or words to that effect) and their lack of understanding. | |
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12th March 2006, 16:59
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#4 (permalink)
| | Administrator The Consumer Action Group |
Sadly poor service isn't against the law.
However, do you know how much they have taken from you over the past 6 years in charges.
If the amount is more than your OD limit, then it's conceivable that the OD wouldn't have been required if the unlawful charges hadn't been imposed, and therefore you would be due this money back - also, you could demand on the same argument that the default be removed.
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<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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13th March 2006, 07:10
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#5 (permalink)
| | Site Team The Consumer Action Group |
Quote: |
It was initially probably set up (and increased over time as a result of charges). But it had not accrued due to bank charges (iykwim)
| Can you exaplin this a little more. It is the key to your problem.
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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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13th March 2006, 15:01
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#6 (permalink)
| | Classic Account Customer |
tateyhash,
1. Send a Data Protection Act Request
2. Once recieved, add up all the charges
3. claim them back regardless of how much it is and follow the step by step process in the FAQ section.
4. if your charges equal to the amount you had for an overdraft, you can start a claim to have the default removed aswell- because without the charges being applied to your account you wouldnt have needed an overdraft you couldnt pay back. | |
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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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I have been 'defaulted' by Abbey 
