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


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 ;-)



The new Consumer Directory
search the web, shop online, looking for gift ideas?
Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
The new Consumer Directory
search the web, shop online, looking for gift ideas?

  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
 
Bank Action Group Debt Action Group
 

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

The Bear Garden Had a bad day, Dear? Come here for some off-topic chat.


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 12th September 2008, 08:29   #1 (permalink)
gyzmo
Platinum Account Customer
 
gyzmo's Avatar
 


I am in: the a***hole of Manchester
Posts: 2,524
gyzmo Highly informativegyzmo Highly informativegyzmo Highly informativegyzmo Highly informativegyzmo Highly informativegyzmo Highly informative
Exclamation The Rant zone (aka insanity v gyzmo)

Yes, I am in a bad mood and I haven't even left the house yet. Sooo this thread will serve as my own little rantathon - feel free to contribute!

Daft things people (usually parents) say and do

When telling someone you are going on holiday, they ask if you are going anywhere nice. Errr, well actually I was looking at Barbados but settled on two weeks in some prison cell in North Korea.

On a cold day, what exactly is this benefit your mother/granny keeps telling you of re. scarves / coats?

Going out on a cold day with a T shirt and a scarf on. What's that all about?

Why, as soon as the temperature drops below 17 degrees (C), do people immediately dress up as though we're in another ice age? What are they going to wear when its cold?

When saying one is going somewhere (e.g, butchers), you are asked why. Errr, I'm going to the butchers to buy some wallpaper.....

Inni(t)

Why oh why do people with umbrellas not put them down when under shelter or even when its not actually raining?

When you've found something, of course it was in the last place you looked. You wouldn't carry on looking for it if you have already found it! Stop saying it!

Breathe in - hold aaand out. Ahhhh! Rant mode off!
gyzmo is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th September 2008, 09:35   #2 (permalink)
barracad
Site Team
 
barracad's Avatar
 


I am in: Stoke on Trent
Posts: 10,964
barracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritative
Default Re: The Rant zone (aka insanity v gyzmo)

Quote:
Originally Posted by gyzmo View Post
When telling someone you are going on holiday, they ask if you are going anywhere nice. Errr, well actually I was looking at Barbados but settled on two weeks in some prison cell in North Korea.
LOTI it's like when you're out for a meal and after you've finished somebody asks you if it was nice... "Errr no it was disgusting but I just sat here and ate it all regardless..."
barracad is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th September 2008, 10:16   #3 (permalink)
wino
Platinum Account Customer
 
wino's Avatar
 


I am in: The Funny Farm
Posts: 1,240
wino Informativewino Informativewino Informative
Default Re: The Rant zone (aka insanity v gyzmo)

Oh it's going to be one of those days is it?
wino is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th September 2008, 11:00   #4 (permalink)
sea-sidelady
Site Team
 
sea-sidelady's Avatar
 


I am in: Lancs
Posts: 8,002
sea-sidelady Authoritativesea-sidelady Authoritativesea-sidelady Authoritativesea-sidelady Authoritativesea-sidelady Authoritativesea-sidelady Authoritativesea-sidelady Authoritativesea-sidelady Authoritativesea-sidelady Authoritativesea-sidelady Authoritativesea-sidelady Authoritative
Default Re: The Rant zone (aka insanity v gyzmo)

I'm with you today Gizmo.

I'm in a stinking bad mood. Nearly had my car rammed into this morning. Guy came flying out a junction, on his phone and reading a map!!!
sea-sidelady is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th September 2008, 11:44   #5 (permalink)
The GodMother
Platinum Account Customer
 
The GodMother's Avatar
 


I am in: Happy Christmas and Happy new year
Posts: 6,686
The GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother Authoritative
Default Re: The Rant zone (aka insanity v gyzmo)

oh god this is gonna be one long thread. Rite here i go.

ppl who move about an inch when u are trying to get threw with a buggy cant they see it will need to be more or do they except the wall/ aisle teh other side to just disappear.

ppl who dont turn there indicators off. so when i am walking up the road to meet son from school you think they are going to be turning the next left/right but they go straight on.

bloody idiot male drivers.
LOWERED paths are not there for you to parking front of. thre for ppl with mobility scooters and wheelchair nd buggys to get down the path easily and dont u dear think u will be getting out of the parking ticket u got for parking there.

useless polic officer.
got broken into over christmas 2005/new year 06. still to this day the police have not told us they have convicted the person that broke in. His brother told us he walked onto a police station and admitted it.

shop assistants.
you bloddy work there so dont go asking ur customers where the item is on the shelf

old ladys with those stupid trolley things. Its a wheelchair and buggy area on the bus just cause ur old and have a trolley it does not mean u have the right to sit there.

Ignorant company.
they fail to follow the oft guidelines on debt recovery because they dont communicate with the appointed person. They continue to chase for money that is not owed and never was owed. they continue to chase for money even thought docs have been produced to say money was not owed, told use we have frauded the docs-there word not mine, told use unless we give them a phone number they are going to prosectue us cause we are hampering the process of obtaining there money. Telling me the CCa1974 does not exist.

Taxi companys.
they lie to u the take the longest route to gain more money and they are bloody ignorant. dot help u with the shopping and demand they are paid b4 u take the service. Charging u more than they can. then when u have been waiting and hour still expecting full pay.
The GodMother is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th September 2008, 12:03   #6 (permalink)
reallymadwoman
Platinum Account Customer
 
reallymadwoman's Avatar
 


I am in: South west
Posts: 1,567
reallymadwoman Highly informativereallymadwoman Highly informativereallymadwoman Highly informativereallymadwoman Highly informativereallymadwoman Highly informativereallymadwoman Highly informativereallymadwoman Highly informative
Default Re: The Rant zone (aka insanity v gyzmo)

People with buggys (present company excepted of course) who think they have a God given right to walk wherever they chose and expect everyone else to avoid them. Buggys are commonly known as battering rams in this house.

Agree entirely about the stupid trolleys on buses, even more so when they sit in the 'priority seats' with the d**n things next to them, and God help you if you ask them to move it.

People who leave their shopping in the bus aisles totally oblivious to the fact that you need to get past and not everyone can step over it.

Every impatient person who has ever been walking behind me and either doesn't notice or doesn't care that I can't walk any faster.

On a more positive note, thank you to the very kind secondary school child who gave me his seat on the bus on Monday. You proved that not everyone in this town is an inconsiderate sod.
reallymadwoman is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th September 2008, 13:58   #7 (permalink)
bottomburp
Gold Account Customer
Default Re: The Rant zone (aka insanity v gyzmo)

Quote:
Originally Posted by reallymadwoman View Post
Every impatient person who has ever been walking behind me and either doesn't notice or doesn't care that I can't walk any faster.
Every slow person who hasn't noticed or doesn't care that I'm desperate to get past them and who won't move to one side to let me get past!

People who can't or won't think outside their box. They've "got to follow the rules"... Example, you need to go to the bank to get cash without your card (wrong coat / "borrowed" by family member - whatever). Instead you've got
  • your passport (proof of signature and photo id),
  • a mini statement with your signature on it (because you got it from the counter and not an ATM)
  • a full statement.
You finally get to the counter and the cashier tells you "I can give you cash with this proof of ID if your card is lost or stolen but otherwise I can't". WHY THE HECK NOT! If it's good enough if the card's been lost / stolen how come it isn't good enough when you're temporarily separated from your card?

Unreliability - People who say they'll do something by a certain time and then don't. People who "move the goal posts". People who cancel meetings after I've already left to get to said meeting!

People who don't understand that my time is valuable to me.

Queues - has any one else noticed that we spend huge parts of our day in queues? Post Office - 1 hour queue - 1 counter open throughout the 1 hour wait, 1 counter open part of the time and 2 counters firmly closed.

Repeat Prescriptions - If I've got an on-going condition why can't the doctor write one prescription that can be repeated three times without him/her having to re-authorise it? It necessitates two trips - one to the surgery and then one to the chemist 48 hours later each time the prescription is repeated. My way there'd just be one trip to the chemist. Saving doctor's time, journey time /car wear & tear /my time.

My local Tesco - where they're short-staffed. As a result staff are continually being taken from stacking shelves to man the tills and the shelves are empty!

Government interference - I think I'll lose it completely if I start on that!

Litter - please take it home with you or throw it in a bin.
bottomburp is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th September 2008, 15:15   #8 (permalink)
sequenci
Site Team
 
sequenci's Avatar
 


I am in: The debt forums!
Posts: 5,034
sequenci Authoritativesequenci Authoritativesequenci Authoritativesequenci Authoritativesequenci Authoritativesequenci Authoritativesequenci Authoritativesequenci Authoritativesequenci Authoritativesequenci Authoritative
Default Re: The Rant zone (aka insanity v gyzmo)

Todays bone of contention.

People who use a lift to go up or down one floor. I work on the 8th floor and I'm forever waiting ages for the lazy swines below. I don't mind if folks have a health-related reason that they need the lift but the vast majority of the employees are just fickle, lazy idiots.
sequenci is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th September 2008, 15:22   #9 (permalink)
huggys boss
Gold Account Customer
 
huggys boss's Avatar
 


I am in: Morecambe
Posts: 566
huggys boss Highly informativehuggys boss Highly informativehuggys boss Highly informativehuggys boss Highly informativehuggys boss Highly informativehuggys boss Highly informative
Default Re: The Rant zone (aka insanity v gyzmo)

Quote:
Originally Posted by The GodMother View Post
oh god this is gonna be one long thread. Rite here i go.

ppl who move about an inch when u are trying to get threw with a buggy cant they see it will need to be more or do they except the wall/ aisle teh other side to just disappear.

ppl who dont turn there indicators off. so when i am walking up the road to meet son from school you think they are going to be turning the next left/right but they go straight on.

bloody idiot male drivers.
LOWERED paths are not there for you to parking front of. thre for ppl with mobility scooters and wheelchair nd buggys to get down the path easily and dont u dear think u will be getting out of the parking ticket u got for parking there.

useless polic officer.
got broken into over christmas 2005/new year 06. still to this day the police have not told us they have convicted the person that broke in. His brother told us he walked onto a police station and admitted it.

shop assistants.
you bloddy work there so dont go asking ur customers where the item is on the shelf

old ladys with those stupid trolley things. Its a wheelchair and buggy area on the bus just cause ur old and have a trolley it does not mean u have the right to sit there.

Ignorant company.
they fail to follow the oft guidelines on debt recovery because they dont communicate with the appointed person. They continue to chase for money that is not owed and never was owed. they continue to chase for money even thought docs have been produced to say money was not owed, told use we have frauded the docs-there word not mine, told use unless we give them a phone number they are going to prosectue us cause we are hampering the process of obtaining there money. Telling me the CCa1974 does not exist.

Taxi companys.
they lie to u the take the longest route to gain more money and they are bloody ignorant. dot help u with the shopping and demand they are paid b4 u take the service. Charging u more than they can. then when u have been waiting and hour still expecting full pay.
Have you come up for air yet God Mother

Bet you feel better now you have got all that off your chest.

Took your advice and changed my name.........thanks. elaineh
huggys boss is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th September 2008, 15:49   #10 (permalink)
huggy41
Classic Account Customer
 
huggy41's Avatar
 


I am in: morecambe
Posts: 388
huggy41 Informativehuggy41 Informativehuggy41 Informativehuggy41 Informative
Default Re: The Rant zone (aka insanity v gyzmo)

shopping trollies on there own full of food with no 1 with them arrrrrrrrrrrrrr





huggy41 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th September 2008, 17:16   #11 (permalink)
barracad
Site Team
 
barracad's Avatar
 


I am in: Stoke on Trent
Posts: 10,964
barracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritative
Default Re: The Rant zone (aka insanity v gyzmo)

Quote:
Originally Posted by sea-sidelady View Post
I'm in a stinking bad mood. Nearly had my car rammed into this morning.
Anything to do with the fact that you don't know the difference between first gear and reverse?

It's scary driving behind you and seeing your reverse lights come on all the time!
barracad is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th September 2008, 18:40   #12 (permalink)
The GodMother
Platinum Account Customer
 
The GodMother's Avatar
 


I am in: Happy Christmas and Happy new year
Posts: 6,686
The GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother Authoritative
Default Re: The Rant zone (aka insanity v gyzmo)

yes i have come up for air. Yes i do feel better but i have got loads more.

PPl who dont look where there walking then walk into you.ur buggy and expect you to appologise.

ppl who come to ur door and despite a relly big notice and you asking them not bothering to shut the gate.

Agents for greenwoods/provident who keep comming to my door. IF you come once more i might just tell you were to shove the £100-£250 worth of vouchers.

ques. There is a till open over there which i would like to use so please dont accuse me of trying to jump the que.

post. I dont get enough and when i do it is mostly junk mail or companys that think closing the file and passing it back to the OC is sufficant respose to my formal complaint.

PPL digging up the pathway telling me that i cant go home as they are digging up the path by my house. Ok then my daughter need changing and is due a bottle in 10 mins exactly how do they expect me to feed and change her without acessing my house.

my sons school teacher stating the beleeden obvious. YES the kids will b wet as it is raining.

easy open boxes that arnt easy.

spending 45 minutes in a que for my meds then for them to tell me they have not got them and i need to come back tomorrow. Thanks you siad u had them when i handed the script in.

the idiot 2 doors down. I dont care that u getup at 5am just to get to college but next time u turn your stero on full blast and start burping down the mic at 5 am i my just feed u to my dog.
The GodMother is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th September 2008, 18:42   #13 (permalink)
The GodMother
Platinum Account Customer
 
The GodMother's Avatar
 


I am in: Happy Christmas and Happy new year
Posts: 6,686
The GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother AuthoritativeThe GodMother Authoritative
Default Re: The Rant zone (aka insanity v gyzmo)

Quote:
Originally Posted by sequenci View Post
Todays bone of contention.

People who use a lift to go up or down one floor. I work on the 8th floor and I'm forever waiting ages for the lazy swines below. I don't mind if folks have a health-related reason that they need the lift but the vast majority of the employees are just fickle, lazy idiots.
I so understand what u say sometimes it is quicker for me to walk up the stairs even with the buggy.
The GodMother is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th September 2008, 18:48   #14 (permalink)
barracad
Site Team
 
barracad's Avatar
 


I am in: Stoke on Trent
Posts: 10,964
barracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritativebarracad Authoritative
Default Re: The Rant zone (aka insanity v gyzmo)

And whilst we're ranting, this still annoys me - the situation has not improved whatsoever.