Consumer Action Group envelope labels
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Let your bank know that you won't give in.
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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
| | | | 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
Hold the Front Page!!
News updates
The Consumer Forums front page Have you been defaulted?
Would you like to clean up your credit file?
Check it out
| | | | | |  The Consumer Forums | | 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 | | | The Consumer Forums | Last Post | Threads | Posts |  |  | Free advice and support to reclaim your bank charges or to solve other consumer problems.
Welcome. You have just joined the Consumer Forums. Come here and introduce yourself.
You will soon discover what a friendly place this is and get lots of hints about claiming your bank charges or dealing with other consumer rights. | |
Yesterday 23:39  | 17,420 | 58,875 | | Frequently Asked Questions. Case guidance etc. Instructions on how you can Reclaim the Right and get your bank charges refunded.------::::::-----------
This forum will appear to be private if you are not registered. --- REGISTRATION IS FREE | You will need to register to enter these consumer forums
Registration is FREE and very easy. | 11 | 12 | | Forum rules and other forum issues. You MUST read and agree these before reading or posting in this forum. |
7th July 2007 13:27 | 7 | 14 |  | The misselling of Payment Protection Insurance is widespread, and believed to run into billions of pounds. Follow this link to our PPI forum, where you will find information about whether you have a valid claim for a refund, and about the reclaiming process. | - | - | - | | | Never | 0 | 0 |  Missing Persons | | | The Consumer Forums | Last Post | Threads | Posts | | Contact a moderator to include an appeal or an announcement in this forum.
Only UK-relevant matters please. |
21st November 2008 16:03 | 11 | 12 | | Consumer Action Group Webmail | | | The Consumer Forums | Last Post | Threads | Posts | | Direct access to your CAG webmail.
The CAG email is now fully featured including configurable spam and virus filters.
Consult your email either here or on your favourite POP3 email program. | - | - | - | | The Consumer Forums libraries - bank charges materials and other issues The Consumer Forums materials base. YOU will need to register to view these materials
REGISTRATION IS FREE | | | The Consumer Forums | Last Post | Threads | Posts | | Bank charges, Data Protection Act and other issues related to Consumer rights.
***** This Library will appear to be private if you are not registered ***** --- REGISTRATION IS FREE | You will need to register to enter these consumer forums
Registration is FREE and very easy. | 21 | 29 | | All issues relating to unfair penalty charges and Consumer rights.
***** This Library will appear to be private if you are not registered ***** --- REGISTRATION IS FREE | You will need to register to enter these consumer forums
Registration is FREE and very easy. | 34 | 41 | | ***FULLY REVISED TO TAKE INTO ACCOUNT THE RECENT COURT JUDGEMENT***
The Bank Action Group document and letter templates. Use these to make your claim for your excessive unfair bank charges refunds or to challenge Data Protection Act violations --- REGISTRATION IS FREE
***** This Library will appear empty if you are not registered ***** | You will need to register to enter these consumer forums
Registration is FREE and very easy. | 37 | 76 | | This forum contains templates to be used in respect of complaints made under the Consumer Protection from Unfair Trading Regulations 2008. You will have to register to view these templates --- REGISTRATION IS FREE
***** This Library will appear empty if you are not registered ***** | You will need to register to enter these consumer forums
Registration is FREE and very easy. | 3 | 3 | | Newspaper and internet articles. Radio and TV items about excessive unfair bank charges and other consumer rights issues
***** This Library will appear empty if you are not registered ***** --- REGISTRATION IS FREE | You will need to register to enter these consumer forums
Registration is FREE and very easy. | 9 | 10 | | Links to Governmental and non-Governmental agencies
***** This Library will appear empty if you are not registered ***** --- REGISTRATION IS FREE | You will need to register to enter these consumer forums
Registration is FREE and very easy. | 40 | 43 | | Explanatory notes intended to make the court system more accessible to you.
If you have to go to court to Reclaim the Right. Recover bank penalty charges.
***** This Library will appear empty if you are not registered ***** --- REGISTRATION IS FREE | You will need to register to enter these consumer forums
Registration is FREE and very easy. | 6 | 6 | | The Consumer Forums The Consumer Action Group | | | The Consumer Forums | Last Post | Threads | Posts | | Are you interested in the bigger picture? Do you have definite ideas which you wish to contribute? Are you interested in campaigning in some way?
Whether it is bank charges, PPI, the cost of gas/electric/food/travel etc - this is the place to share your ideas. |
Yesterday 22:44 | 289 | 7,459 | | |
Yesterday 23:41 | 5,586 | 52,060 | | As the title suggests - a kind of "Did you know...?" - a place to add snippets of information about consumer law. Everyone must know at least one little gem that could help out loads of people. Try and post with a link to clarification where possible. |
Yesterday 21:08 | 787 | 8,910 | | If you are giving up smoking then you might like to start a thread here so you can let us know how you are doing - and about each time you falter. |
Yesterday 20:27 | 30 | 355 | | Having problems with benefits / deductions, or want to discuss entitlement etc. this is the place. Other matters include Tax Credit issues and also advice for those on / or below minimum wage. |
Yesterday 23:57 | 623 | 5,777 | | |
Yesterday 23:50 | 297 | 2,733 | | With the switch to Digital now in full swing, we are seeing an escalation of problems ranging from faulty set-top boxes to poor customer service and difficulties with unsubscribing and being overcharged. Whatever the issue - this is now the place to post your story. |
Yesterday 23:41 | 18 | 134 | | Problems with the DVLA? Don't we all? - here's the place to post. |
Yesterday 13:43 | 338 | 3,724 | | Do you have problems at work for any reason including disability, harassment, discrimination? Are you facing disciplinary action? Are you failing to get employment because of some disability or discrimination problem? Discuss it here. |
Yesterday 23:53 | 1,401 | 12,269 | | |
Yesterday 23:17 | 432 | 4,153 | | |
Yesterday 18:01 | 455 | 3,660 | | |
Yesterday 23:47 | 1,166 | 9,549 | | This is the place to discuss Local Authority dispute, including issues around Council Tax Banding, Business Rates, Planning etc. NB: DO NOT USE THIS FORUM FOR COUNCIL TAX BENEFIT OR DEBT ISSUES - you will get more support in the other relevant forums. |
Yesterday 20:04 | 229 | 1,212 | | |
Yesterday 12:32 | 245 | 2,599 | | A forum to discuss the legalities or unlawfulness of parking/speeding tickets or congestions charges etc. |
Yesterday 23:54 | 2,976 | 37,641 | | The misselling of Payment Protection Insurance is widespread, and believed to run into billions of pounds. This forum will help you to see if you have a valid claim for a refund, and guide you through the process. |
Today 00:00 | 1,857 | 20,472 | | Have you been let down by public transport? Tell us about it here. Go one better and put in a claim for some proper compensation. You don't have to accept their travel vouchers. You can do better than that. |
Yesterday 23:29 | 88 | 942 | | This is the place for both Landlords and Tenants to discuss letting issues, and share experiences. |
Yesterday 22:42 | 2,317 | 19,048 | | If you have a problem with goods which you have purchased by a major UK retailer whether it be on the High Street or On-line, share it with us here. This is where you Reclaim the Right.
ENTER NOW. |
Yesterday 23:17 | 1,359 | 12,870 | | If you have special needs or disability issues, discrimination, motability etc, come here to discuss it or to give advice |
7th January 2009 16:10 | 128 | 1,711 | | Come here if you think that you have consumer-style problems which are connected to your status as a student |
Yesterday 01:00 | 331 | 3,478 | | |
Yesterday 22:36 | 1,941 | 15,876 | | |
Yesterday 23:33 | 1,010 | 6,540 | | |
Yesterday 22:11 | 670 | 5,326 | | The Consumer Review Centre Consumer Reviews | | | The Consumer Forums | Last Post | Threads | Posts | | Have you bought a product or paid for a service? Would you like to recommend it - or warn others about it.
Whatever it is:- software, hardware, TVs, service, cars, holidays. Whatever
Write your review here. |
6th January 2009 22:55 | 21 | 70 | | Have you a computer or other computer equipment? Would you like to recommend it - or warn others about it
Write your review here. |
Yesterday 00:12 | 11 | 58 | | Have you bought or used any computer services? Would you like to recommend it - or warn others about it?
Write your review here. |
6th January 2009 19:13 | 17 | 103 | | Have you bought or used any computer software? Would you like to recommend it - or warn others about it?
Write your review here. |
20th December 2008 20:11 | 9 | 45 | | Have you shopped at a department store? Would you like to recommend it - or warn others about their customer service.
Write your review here. |
4th January 2009 23:47 | 11 | 54 | | Have you bought a DIY product or done some home improvements? Would you like to recommend it - or warn others about it.
Write your review here. |
29th November 2008 21:41 | 5 | 11 | | Have you bought a financial product or used a service? Would you like to recommend it - or warn others about it.
Loans, Mortgages, Savings, financial advice. Whatever
Write your review here. |
3rd December 2008 17:41 | 22 | 85 | | Have you bought a health product or used a health service? Would you like to recommend it - or warn others about it.
Write your review here. |
17th October 2008 01:09 | 1 | 12 | | Have you bought Insurance or had to make a claim? Would you like to recommend it - or warn others about it.
Car, Household, travel, breakdown, building, life insurance. Whatever
Write your review here. |
7th January 2009 10:09 | 9 | 39 | | We have started testing telephone recording devices. We will review them here.
Have you tried one or to would you like to comment on our review?
Do it here. |
7th January 2009 14:53 | 8 | 16 | | Have you traveled or been on holiday? Would you like to recommend it - or warn others about it.
Air, train, boat, coach travel. Package holidays or hotels. Whatever
Write your review here. |
5th January 2009 09:51 | 24 | 71 | | The Consumer ForumsDebt Action Group "Dealing with debt"
You can choose any one of our new debt forums to seek help or to give help on specific aspects of debt. | | | The Consumer Forums | Last Post | Threads | Posts | | Advice on how to deal with debt collectors.
Are you receiving distressing phone calls? Are you recording them? Why not? |
Today 00:03 | 12,483 | 204,137 | | Your rights when dealing with bailiffs and sheriff officers |
Yesterday 23:37 | 1,774 | 24,895 | | Experian, Equifax, CallCredit etc |
Yesterday 23:42 | 322 | 4,218 | | They have also been known as 'Chattel Mortgages', but whatever the name - this is the place to get advice. |
3rd January 2009 09:40 | 98 | 1,551 | | Advice on some of the formal debt management solutions |
Yesterday 23:56 | 309 | 3,698 | | Advice and guidance on Scotland specific debt issues |
Yesterday 23:55 | 182 | 1,868 | | Advice and guidance on dealing with court action by a creditor |
Yesterday 23:59 | 1,881 | 49,649 | | Advice on dealing with secured debt |
Yesterday 23:42 | 667 | 10,076 | | An essential way of making ends meet? - or just another expensive way climbing onto the spiral of debt?
The British Cheque Cashers Association says that it receives very few complaints from borrowers. |
Yesterday 21:59 | 47 | 8,584 | | Tell us your repossession story or seek help here |
Yesterday 23:26 | 221 | 4,583 | | Advice and guidance on dealing with debt on a personal level |
7th January 2009 20:38 | 41 | 549 | | Advice on how to work towards a debt free life |
Yesterday 21:57 | 351 | 3,634 | | Various letter templates to help you communicate with your creditors - PLEASE NOTE THAT YOU MUST BE A MEMBER TO VIEW THESE TEMPLATE LETTERS - Membership is free: http://www.consumeractiongroup.co.uk/forum/register.php | You will need to register to enter these consumer forums
Registration is FREE and very easy. | 20 | 131 | | Post here any general debt questions not covered elsewhere. |
Today 00:01 | 6,481 | 80,683 | | The Consumer Forums The Bank Action Group - against unlawful bank charges | | | The Consumer Forums | Last Post | Threads | Posts | | The Litigation section is very important. The information here is useful if you are applying for disclosure orders, lifting of stays, wasted costs orders or other matters.
PLEASE DO GIVE YOUR LITIGATION DETAILS TO A MODERATOR OR SITE-HELPER. AND BE SURE TO GIVE THEM AN UPDATE WHEN YOUR CLAIM IS CONCLUDED. | - | - | - | | Come here to discuss general issues in the unlawful charging by banks debate.
Any general issues about unfair bank charges. |
Yesterday 23:27 | 6,974 | 76,808 | | If you live in Scotland or have an account in Scotland, please take time to join the new Scotland User Group. (Not for RBS/HBOS English accounts.) |
Yesterday 19:28 | 852 | 8,429 | | Had a bad day, Dear?
Come here for some off-topic chat. |
Today 00:00 | 2,219 | 113,475 | | Want to meet up with other CAG people round the country? |
Yesterday 15:48 | 48 | 7,410 | | 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 |
Yesterday 15:34 | 4,993 | 72,474 | | Meet other A&L Bank customers who have also been faced with excessive unfair bank charges. They FSA see A&L as one of the weak links in the present bank liquidity crisis. Is it you or the A&L which is spending beyond their means? |
Yesterday 14:15 | 1,596 | 19,345 | | Meet other Barclays Bank customers who have also been faced with excessive unfair bank charges. The is the bank which the BBC found had a culture of dishonesty. Let us know if you agree. |
Yesterday 23:46 | 7,202 | 96,178 | | Meet other Co-Op Bank customers who have also been faced with excessive unfair bank charges. Exchange encouragement and information about getting your bank charges refunded |
7th January 2009 23:10 | 768 | 6,368 | | Meet other Halifax Bank customers who have also been faced with excessive unfair bank charges. Exchange encouragement and information about getting your bank charges refunded |
Yesterday 23:39 | 6,966 | 91,980 | | Meet other HSBC Bank customers who have also been faced with excessive unfair bank charges. Exchange encouragement and information about getting your bank charges refunded |
Yesterday 23:19 | 7,339 | 107,318 | | Meet other Lloyds Bank customers who have also been faced with excessive unfair bank charges. Exchange encouragement and information about getting your bank charges refunded | | |
