consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-
Come and chat with us here (NB: External site NOT affiliated with CAG)

  CAG Announcements
 
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
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
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Bank Action Group - against unlawful bank charges
> Abbey Bank

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

Reply
 
LinkBack Thread Tools
Old 15th July 2006, 14:11   #1 (permalink)
DundeeTim
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 12
DundeeTim Novitiate
Default Scottish claim in London County Court -paperwork returned & told to claim in Scotland

Had my completed N1 forms, particulars etc. returned today with a letter from LCC issue section saying:

"...I am unable to issue the enclosed claim as you will have to issue this claim in the Scottish Courts"

They've also enclosed a cheque to refund my £120 fee.

I don't plan on cashing the cheque but will return it with the claim forms etc. and a cover letter referencing the Civil Jurisdiction and Judgments Act 1982 etc detailed here: http://www.govanlc.com/jurisdiction.htm asking them to explain why they don't think this applies.

I'm pretty sure this is just a mistake by the court, but if anyone has successfully issued a claim fron a Scottish address in LCC and could they let me have details of their claim number to help convince the court that they CAN issue my claim against Abbey in England?

Thanks,
DundeeTim.
DundeeTim is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th July 2006, 22:36   #2 (permalink)
susanm
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2006
Posts: 79
susanm Novitiate
Default Re: Scottish claim in London County Court -paperwork returned & told to claim in Scotland

Do't know if you can use a scottish address, i thought you had to have a correspondence address in England or Wales. I live in NI and calimed in an English court but had to provide an English correspondence address.
susanm is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th July 2006, 23:22   #3 (permalink)
alanfromderby
Site Team
 
alanfromderby's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 6,280
alanfromderby has disabled reputation
Default Re: Scottish claim in London County Court -paperwork returned & told to claim in Scotland

I believe that you are entitled to issue a claim at either your local court, or the court local to the defendant. The only "problem" with this would come if you have to attend court. I think you are correct that the court have made a mistake. Might be worth giving them a ring and quoting the references you have.
__________________
Alan, Derby, UK.


Help keep this site open by buying one of these great resources:


Postage £1 - Delivery in the UK only.
Click on the above link to place your order - payment by Paypal.

_________________________ _______

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

Advice given is purely my opinion, and is not based on any legal training.
alanfromderby is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 27th September 2006, 17:56   #4 (permalink)
bill-k
Platinum Account Customer
 
bill-k's Avatar
Default Re: Scottish claim in London County Court -paperwork returned & told to claim in Scotland

I agree with Alan - but I have yet to find out if it's true. I have sent 4 claims to English SCC's, but haven't heard anything yet. None have been sent back on the above grounds, but one was returned as I hadn't claimed s.69 interest. Too right I hadn't - I claimed Contractual !!
I am sure that it says on the HMCS website that, as long as either the Claimant or the Defendant has residence (or offices) in England, then that's OK.
We'll see, I suppose....
bill-k is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 27th September 2006, 17:57   #5 (permalink)
bill-k
Platinum Account Customer
 
bill-k's Avatar
Default Re: Scottish claim in London County Court -paperwork returned & told to claim in Scotland

Sorry - forgot to clarify - I'm resident in Scotland - NOT Rome !!!
bill-k is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 27th September 2006, 18:52   #6 (permalink)
rrfcfan
Basic Account Customer
Default Re: Scottish claim in London County Court -paperwork returned & told to claim in Scotland

Hi DundeeTim,

I am in a similiar boat, I live in the Highlands, just about to send N1 with a cheque for £120, did you manage to found out the nearest county court to Shabbeys registered address in Triton Square?

Any info you can provide will be greatly received!
rrfcfan is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 27th September 2006, 21:19   #7 (permalink)
DundeeTim
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 12
DundeeTim Novitiate
Default Re: Scottish claim in London County Court -paperwork returned & told to claim in Scotland

Sorry folks - should have posted an update earlier. Responded to the court with the following:

[cover letter with N1]

Thank you for returning the enclosed claim documentation and refunding my £120 fee.

I am re-sending these documents and returning your cheque, as I believe you are in error in your instruction that I will have to issue this claim in the Scottish Courts.

It is my understanding that The Civil Jurisdiction and Judgments Act 1982, as amended by the Civil Jurisdiction and Judgments Order 2001 applies to this case. In particular, Schedule 4 (paragraph of the 1982 Act (as amended) provides that as a consumer, I can raise proceedings where the company is domiciled, in this case London where Abbey’s registered head office is seated.

Furthermore, It is my understanding that there is no clause in the terms and conditions with my contract with Abbey that confers exclusive jurisdiction.

In addition, if it is the case that exclusive jurisdiction applies, it is my position that this clause is an unfair term of contract in terms of UTCC Regulations 1999. Specifically paragraph 1(q) of Schedule 2.

In light of the above, please reconsider issuing this claim. I would also draw your attention to London County Court Case number 6CL01687 that I believe was issued under similar circumstances earlier this year.

If you decide you are still unable to issue this claim, please could you explain the reasons for your decision.

[snip]

The case no. quoted refers to Robertxc's claim.

My claim's now been successfully issued, already had 50% offer received and rejected, Allocation Questionnaire returned.

Waiting for court date now - still expecting a settlement but preparing for whatever Abbey tries next.

The Court address I've used is the Central London County Court:
Central London County Court
13-14 Park Crescent
London
W1N 4HT

Its all going like clockwork, and should do for you too. To avoid any unnecessary delay, I'd recommend a cover letter with your N1 quoting as much of the above as you want. This should ensure the claim is issued without a problem.

Hope this helps,

Tim.
DundeeTim is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 27th September 2006, 21:26   #8 (permalink)
DundeeTim
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 12
DundeeTim Novitiate
Default Re: Scottish claim in London County Court -paperwork returned & told to claim in Scotland

Duh - stupid forum markup!

That's "schedule 4, paragraph 8 of the 1982 Act"

I wouldn't quote the smiley!
DundeeTim is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 27th September 2006, 23:00   #9 (permalink)
bill-k
Platinum Account Customer
 
bill-k's Avatar
Default Re: Scottish claim in London County Court -paperwork returned & told to claim in Scotland

Well done Tim - if it happens to me I'll quote your letter - excellent, thanks. Either the court clerks are useless jobsworths, or they're just getting swamped and panicking !! I wonder. Probably both.
bill-k is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 28th September 2006, 01:03   #10 (permalink)
rrfcfan
Basic Account Customer
Default Re: Scottish claim in London County Court -paperwork returned & told to claim in Scotland

Excellent letter Tim, Has all the info thats required, N1 form going off tomorrow with cheque and summary of charges. I'll be using my brother address for correspondence, as he lives in Central London how convenient!

BTW did you receive a GOGW from the Abbey after the LBA was sent?

Thank you very much!!!
rrfcfan is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 28th September 2006, 01:47   #11 (permalink)
bill-k
Platinum Account Customer
 
bill-k's Avatar
Default Re: Scottish claim in London County Court -paperwork returned & told to claim in Scotland

You shouldn't have to use an English address for correspondence. As long as the Defendant lives in - or has an office in - England, then you don't have to.
bill-k is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th October 2006, 18:21   #12 (permalink)
Aaronsdad
Classic Account Customer
 
Aaronsdad's Avatar
Default Re: Scottish claim in London County Court -paperwork returned & told to claim in Scotland

Thanks Tim, someone gave me your thread as a link but it was just as I thought and exactly what I needed!
Good luck mate.
A D
Aaronsdad is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 31st October 2006, 17:11   #13 (permalink)
Iain Smith
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2006
Posts: 31
Iain Smith Novitiate
Default Re: Scottish claim in London County Court -paperwork returned & told to claim in Scotland

Hey Dundeetim, Micheal Browne pointed out your thread to me and it looks like its going to help immensely as i live in Scotland and wish to make Claim against Nationwide for considerably more than Scottish SCC allow. How much did you claim for and how is your claim going?

Iain Smith is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 1st November 2006, 16:37   #14 (permalink)
Phionna
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Sep 2006
Posts: 1
Phionna Novitiate
Default Re: Scottish claim in London County Court -paperwork returned & told to claim in Scotland

HIya

I am in Aberdeen - claiming against Abbey too! I am interested to see how this goes - hoping to get back £675 some time next year!

I will stay in touch...........
Phionna is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 2nd November 2006, 10:57   #15 (permalink)
DundeeTim
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 12
DundeeTim Novitiate
Default Re: Scottish claim in London County Court -paperwork returned & told to claim in Scotland

Hi Iain,
claim was for 3.5K, interest, fees etc brings the lot up to just under 5K. Not heard a thing since returning the allocation questionnaire back in mid-September.

Hopefully will get a court date this year!
DundeeTim is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 2nd November 2006, 16:25   #16 (permalink)
Iain Smith
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2006
Posts: 31
Iain Smith Novitiate
Default Re: Scottish claim in London County Court -paperwork returned & told to claim in Scotland

Tim surely if that is the case then the 28 days have elapsed and you should have heard one way or the other? Or am i wrong in thinking this?

I see from your thread that you were offered 50% and rejected it, is this why your still waiting?
Iain Smith is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 4th November 2006, 10:05   #17 (permalink)
DundeeTim
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 12
DundeeTim Novitiate
Default Re: Scottish claim in London County Court -paperwork returned & told to claim in Scotland

No, waiting for my case to be allocated to a claim track and a court date given. I don't think there's any time limit in which the court must do this, and given the current workload at LCC I suspect there's quite a backlog!

Where did you get 28 days from & why would my earlier rejection of the 50% offer have any bearing on getting a court date?
DundeeTim is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 7th November 2006, 14:56