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
> Barclays Bank

Barclays Bank 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.


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 25th April 2007, 21:31   #1 (permalink)
silversmith
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jan 2007
Posts: 2
silversmith Novitiate
Default wrongly worded claim?

Hi everyone.
New to CAG and didn't research enough before making claim against Barclays. Would be very grateful for advice re what to do about possibly wrongly worded claim. Claim relates to charges on personal current account and sole trader business current account (both accounts since closed), and reads:
"Between the dates of ... and ...the Defendant aplied a number of default charges to the Claimant's bank accounts. The charges applied constitute an unfair penalty under the Unfair Terms in Consumer Contracts regulations 1999 which state 'A term is unfair if it requires any consumer who fails his obligation to pay a disproportionately high sum in compensation.' Under the law of penalties the charges are an unlawful 'extravagant' penalty. Under the case of Wilson v Love 1896 a charge is a penalty if it does not reflect an item's true cost." (Goes on to claim interest)

The details of the accounts were supplied to Barclays in correspondence before making the claim so they do know that I am including my business account, although the court does not know yet as I didn't supply any details with my claim (made through MCOL). I now gather from reading further that a differently worded claim is needed for business accounts and so do I need to scrap the claim and start again, or can I somehow add some different wording to make it clear that I am also claiming for business charges. If so how do I do that? Am currently at the stage of claim transferred to local County Court and awaiting directions by District Judge (allocation questionnaire dispensed with by Northampton District Judge).
All advice very gratefully received!
silversmith is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd May 2007, 22:03   #2 (permalink)
silversmith
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jan 2007
Posts: 2
silversmith Novitiate
Default Re: wrongly worded claim?

Can anyone help?

Many thanks - silversmith
silversmith is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
Credit search wrongly logged on credit file Switch General Consumer Issues 17 21st October 2008 13:37
Wrongly accused shoplifting & treated like dirt, need help awei7835 General Consumer Issues 20 21st May 2008 15:28
Wrongly targeted?? Victim of harassment?? dannyboy660 Debt Collection Industry 35 2nd October 2007 11:20
Wrongly Charged mdcdeve General Consumer Issues 1 25th January 2007 10:55
Wrongly defaulted! Can I do anything? tunecookie General Debt Issues 4 14th November 2006 22:13




Do your Internet search here:

The Consumer Action Group and The Bank Action Group are registered trademarks
Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road, London, NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.