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:-

  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
> Alliance & Leicester

Alliance & Leicester 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?


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 24th August 2007, 16:01   #1 (permalink)
cluel3ss
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2007
Posts: 44
cluel3ss Novitiate
Unhappy Court Bundle

Help pls, sorry to be a nuisance but i cant seem to find the court bundle anywhere. I have also lost all my correspondence with bank, my puter went awol and i had to restore the thing so i lost everything

Any help greatly appreciated. I should have a court date in a few weeks at most according to Romford County Court ( i phoned them this morning (24th Aug). So i need to get some sort of bundle together.

Thank You Debs xxx
cluel3ss is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th August 2007, 18:15   #2 (permalink)
jansus
Platinum Account Customer
 
jansus's Avatar
Default Re: Court Bundle

Hi

if you go to your last post and post reply you will stick to one thread. Makes it easier to follow

there is a new court bundle - (much better than mine ) I will post the link

Jan
jansus is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th August 2007, 18:22   #3 (permalink)
jansus
Platinum Account Customer
 
jansus's Avatar
Default Re: Court Bundle

Here you go

Advanced court bundle

much better than mine

Warning - make sure your printer has plenty of ink - and you allow yourself lots of time - do a section at a time if it helps - post when you need T&C

Jan
jansus is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th August 2007, 01:46   #4 (permalink)
cluel3ss
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2007
Posts: 44
cluel3ss Novitiate
Default Re: Court Bundle

Quote:
Originally Posted by jansus View Post
Here you go

Advanced court bundle

much better than mine

Warning - make sure your printer has plenty of ink - and you allow yourself lots of time - do a section at a time if it helps - post when you need T&C

Jan
Thx Jan, lol i will deff make sure i have enough ink, should charge for that 2 lol.

Debs xxx
cluel3ss is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 28th August 2007, 17:57   #5 (permalink)
cluel3ss
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2007
Posts: 44
cluel3ss Novitiate
Default Re: Court Bundle

Hiya's

In the court bundle, what is the Witness Statement? any help on where I can get T&C's from 2001 onwards, I can't seem to find mine anywhere, I usually hoard everything, typical now that I need them I cant find them grrr.

Any help greatly appreciated.
Take Care
Debs xxx
cluel3ss is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th August 2007, 18:16   #6 (permalink)
cluel3ss
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2007
Posts: 44
cluel3ss Novitiate
Default Re: Court Bundle

Hiya's been reading through some posts and have realised that i wasnt asked to send court bundle to court before court date. So should i not bother sending it?

Many thanks
Debs
xxx
cluel3ss is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th August 2007, 18:49   #7 (permalink)
jansus
Platinum Account Customer
 
jansus's Avatar
Default Re: Court Bundle

did you find your directions from the court?

Because some ask you to send to court before and to the solicitor . Are you sure its a full hearing not a directions hearing - see if you can find the paperwork to clarify what it says?

You might not need full bundle if case management conference or directions hearig

Jan
jansus is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th August 2007, 19:21   #8 (permalink)
cluel3ss
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2007
Posts: 44
cluel3ss Novitiate
Default Re: Court Bundle

Quote:
Originally Posted by jansus View Post
did you find your directions from the court?

Because some ask you to send to court before and to the solicitor . Are you sure its a full hearing not a directions hearing - see if you can find the paperwork to clarify what it says?

You might not need full bundle if case management conference or directions hearig

Jan

Hiya's

This is the letter I got from Court:

TAKE NOTICE that the Hearing will take place on

14 September 2007 at 2:00 PM

at Romford County Court, 2a Oaklands Avenue, Romford, Essex, RM1 4DP

When you should attend

10 MINUTES has been allowed for the Hearing

Please Note: This case may be released to another Judge, possibly at a different Court

Thats all it says.

Take Care
Debs
xxx
cluel3ss is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th August 2007, 19:27   #9 (permalink)
cluel3ss
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2007
Posts: 44
cluel3ss Novitiate
Default Re: Court Bundle

Sorry missed out at top of letter it says Notice of Hearing
cluel3ss is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th August 2007, 19:47   #10 (permalink)
jansus
Platinum Account Customer
 
jansus's Avatar
Default Re: Court Bundle

great! clear as mud! - but sounds like a directions hearing to me - a few people have had those

Directions Hearing? - see link to thread on here it might help.

So does not sound like you have to send bundle in.

Unfortunately A&L tend not to start negotiating at these hearings - but also ( correct me if I am wrong?) -but they do not turn up

If it is only 10 minutes that would also indicate that type of hearing.


Jan
jansus is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th August 2007, 20:19   #11 (permalink)
jansus
Platinum Account Customer
 
jansus's Avatar
Default Re: Court Bundle

I have sent you a private message on your user CP.

Jan
jansus is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th September 2007, 14:42   #12 (permalink)
cluel3ss
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2007
Posts: 44
cluel3ss Novitiate
Default Re: Court Bundle

Hiya's

OMG i have butterflies and feel sick already, in court, Friday 14th Sept, I recieved a letter from wragges on Monday 10th Sept saying that they will be attending and that they intend to apply for a stay, I have no idea what to say to the judge and when i get nervous my words come out all jumbled arghhhh lol.

I have my court bundle ready, i might take it with me just incase, so that it shows im prepared.

Take care
Debs
xxx
cluel3ss is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th September 2007, 18:52   #13 (permalink)
jansus
Platinum Account Customer
 
jansus's Avatar
Default Re: Court Bundle

hadyanth vs Lloyds TSB - Goodbye fingernails...

read this and a few recent threads on Lloyds - they seem to be getting more detailed advice

What ever happens please dont feel bad

It seems it is pot luck as to what judge you get at the moment - so just do your best as others have done -but some judges obviously feel they are doing claimants a favour by the stays so just remember dont take it personally and keep reading all thethreads and comments over the next couple of days - especially about the OFT possibly dropping the case.

Jan
jansus is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th September 2007, 16:31   #14 (permalink)
cluel3ss
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2007
Posts: 44
cluel3ss Novitiate
Default Re: Court Bundle

Hiya's

Was in court today, alot of good that was, judge granted a stay to all banks there was about 10 of us all in all, i was the only one there for A&L and wragges didn't even bother turning up, so now im going to apply for a removal of the stay.

Take care
Debs
xxx
cluel3ss is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th September 2007, 00:42   #15 (permalink)
jansus
Platinum Account Customer
 
jansus's Avatar
Default Re: Court Bundle

Really sorry to hear that - did you get a chance to speak at all?

Seems so unfair that A&L abuse the system dont even turn up and still get a stay.

Jan
jansus is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 16th September 2007, 15:35   #16 (permalink)
cluel3ss
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2007
Posts: 44
cluel3ss Novitiate
Default Re: Court Bundle

Quote:
Originally Posted by jansus View Post
Really sorry to hear that - did you get a chance to speak at all?

Seems so unfair that A&L abuse the system dont even turn up and still get a stay.

Jan

Hiya's

No never got to say anything, we was in n out in literally minutes, the judge was like im granting stays, thank-you and goodbye. Who do i send the removal of a stay to, the judge? or wragges? or both?

Take Care
Debs
xxx
cluel3ss is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 17th September 2007, 01:17   #17 (permalink)
zootscoot
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2006
Posts: 6,934
zootscoot Authoritativezootscoot Authoritativezootscoot Authoritativezootscoot Authoritativezootscoot Authoritativezootscoot Authoritativezootscoot Authoritativezootscoot Authoritativezootscoot Authoritativezootscoot Authoritativezootscoot Authoritative
Default Re: Court Bundle

You need to fill in form N244 and attach the application for removal of the stay. Send a copy to Wragges.

See here for further guidance:

http://www.consumeractiongroup.co.uk...d-pending-oft/

Best of luck

Zoot
zootscoot is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th September 2007, 20:41   #18 (permalink)
jansus
Platinum Account Customer
 
jansus's Avatar
Default Re: Court Bundle

Bundle for stay hearings
jansus is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 20th September 2007, 11:23   #19 (permalink)
cluel3ss
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2007
Posts: 44
cluel3ss Novitiate