consumer forums consumerforums Total Bank Charges Returned : £17,500,569 to 10384 people.

Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Registration Problems | FAQ
The Consumer Forums  

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 ensure this site will remain free to use!

Small Claims Kit-- Small Claims Court Guide
**New Edition**
Consumer Action Group envelope labels 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

Patricia Pearl - Small Claims Procedure - A Practical Guide
An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.
£17.10 + £1 (P&P)

Lawpack - Small Claims Kit
Contains everything you need to sue your bank (or anyone else) including sample forms, instruction manual, templates, and an entire set of court forms in PDF format on CD Rom.
£10.99 + £1 (P&P)

Last Will and Testament Kit
Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.
£12.99 + £1 (P&P)

Fight a Motoring Ticket Kit
All the templates and documents that you need to challenge your speeding ticket, parking fine - with advice from one of the UK’s leading motor offence solicitors
£9.99 + £1 (P&P)


Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> Campaign

  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
eBay buyer?
Buy more cheaply
Win more often
ConsumerSniper.com
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Ebay buyer?
ConsumerSniper
Free unlimited bids and eBay tools
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
 

Campaign 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.

Reply
 
LinkBack Thread Tools
Old 14th October 2008, 10:07   #1 (permalink)
Platinum Account Customer
 
andrew1's Avatar
 
Have we helped you? Please help us by making a donation

Cagger since : Mar 2006
I am in: The power house of the Cabot Fan Club
Posts: 3,413
andrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritative
Default Only 10p to process a Debit Card says APACS Director

Anyone see Watchdog yesterday when Nicky Clark asked the Director of APACS- the UK Payments Association, Sandra Quinn what it costs to process a debit card when tackling Ryanairs free flight offers " pence she said lower part of a Pound - 10p"

Wonder if the OFT and the Judge was listening.... starts about 20 minutes in.

BBC iPlayer - Watchdog: 13/10/2008

APACS - the UK Payments Association
andrew1 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th October 2008, 10:30   #2 (permalink)
Platinum Account Customer
 
Bookworm's Avatar
 
Watch out, there are Claims Touts about!

Cagger since : Feb 2006
I am in: spired.
Posts: 20,750
Bookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm Authoritative
Default Re: Only 10p to process a Debit Card says APACS Director

I did... and I paid attention, but it doesn't matter, since it's not penalties, they can charge whatever they want, right?

Thank goodness for the UTCCR, though.

(and doesn't Ryanair's MD have one of those faces you could never get tired of slapping, btw?)
Bookworm is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th October 2008, 10:53   #3 (permalink)
Platinum Account Customer
 
andrew1's Avatar
 
Try our eBay sniping service

Cagger since : Mar 2006
I am in: The power house of the Cabot Fan Club
Posts: 3,413
andrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritative
Default Re: Only 10p to process a Debit Card says APACS Director

I realise that Bookie, but it hammers home the point about the 'actual' costs and cannot go unnoticed when these people are sitting there trying to justify themselves. When Angela 'aren't I so wonderful' Knight comes on like a retired politician using the skill-sets she's learned from pushing political points trying to convince us the charges they make are justified, it makes me sit there on the moral high ground KNOWING there are plenty of people in positions such as Sandra Quinn telling the truth rather than Angela ' the fact of the matter is' Knight's political style spin hoping that what she's telling us is what we want to hear.

I get some masacistic satisfaction from watching her try knowing how pathetically wrong she is but paid to push ****

__________________
Cabot and the Cabot Fan Club Threads:
http://www.consumeractiongroup.co.uk...101-cabot.html

Legal Actions Explained for Businesses:
http://www.consumeractiongroup.co.uk...d-company.html

Payplan CCCS Advice:
http://consumeractiongroup.co.uk/for...hlight=Payplan

How to use the Forum
http://www.consumeractiongroup.co.uk...i-dummies.html

A click on the scales below is appreciated if my posts were helpful
Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.

Sarah
PLEASE DONATE IF SUCCESSFUL - Every little helps
andrew1 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th October 2008, 11:32   #4 (permalink)
Basic Account Customer
 
Is your bank avoiding its debts
Data disclosure poll

Cagger since : Feb 2006
Posts: 109
SPROUTY Novitiate
Smile Re: Only 10p to process a Debit Card says APACS Director

Talking about 10p...

Talked to my bank manager the other day and he said he was going to concentrate on the big issues from now on.

He sold me one outside KFC yesterday.
SPROUTY is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th October 2008, 11:38   #5 (permalink)
Platinum Account Customer
 
andrew1's Avatar
 
We need funds
Please donate something

Cagger since : Mar 2006
I am in: The power house of the Cabot Fan Club
Posts: 3,413
andrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritativeandrew1 Authoritative
Default Re: Only 10p to process a Debit Card says APACS Director

Quote:
Originally Posted by SPROUTY View Post
Talking about 10p...

Talked to my bank manager the other day and he said he was going to concentrate on the big issues from now on.

He sold me one outside KFC yesterday.
andrew1 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th October 2008, 12:54   #6 (permalink)
Platinum Account Customer
 
Bookworm's Avatar
 
Try our eBay sniping service

Cagger since : Feb 2006
I am in: spired.
Posts: 20,750
Bookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm Authoritative
Default Re: Only 10p to process a Debit Card says APACS Director

Quote:
Originally Posted by andrew1 View Post
I realise that Bookie, but it hammers home the point about the 'actual' costs and cannot go unnoticed when these people are sitting there trying to justify themselves. When Angela 'aren't I so wonderful' Knight comes on like a retired politician using the skill-sets she's learned from pushing political points trying to convince us the charges they make are justified, it makes me sit there on the moral high ground KNOWING there are plenty of people in positions such as Sandra Quinn telling the truth rather than Angela ' the fact of the matter is' Knight's political style spin hoping that what she's telling us is what we want to hear.

I get some masacistic satisfaction from watching her try knowing how pathetically wrong she is but paid to push ****

Oh, I know, Andrew, but the problem is that she doesn't even have to justify them anymore... Cos Smith J made sure of that...

"Mrs Knight, how do you justify those extortionate charges?"
"Well, the judge said they couldn't amount to a penalty, therefore we're in the right to charge what we want when we want as we want, so f*** off peasant".

... Although I have to say I saw her the other day, and she DID look a tad dishevelled, the hair was more Supercuts than Vidal Sassoon and the pearls Claire's Accessories rather than Harrod's!!! Maybe she was jsut trying to show she was cutting back too.

(That's ANOTHER face one wouldn't get tired of slapping, btw).
__________________
Barclays: Won ~ NatWest: Won ~ Halifax (x2): Won ~ FNMF: Won ~ Barclaycard: Won ~ GHD: Won ~ Grattan: Won ~ GE Money: Won ~ Capital One: Won ~ Land of Leather: Won.



APRIL 2ND IS WORLD AUTISM AWARENESS DAY


Advice & opinions given by Bookworm are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Bookworm 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
The mystery of my A&L debit card - when is a Visa Debit not a Visa Debit??? Mrs_Ryan Alliance & Leicester 6 19th August 2008 22:30
Debit Card transaction card holder not present, lost £6350 da95649 Welcome to the Consumer Forums 1 1st May 2008 03:19
Debit card fraud (card not present) need_lots_of_money Halifax Bank and Bank of Scotland 0 19th October 2006 17:13
Is sending back a direct debit an automated process? bibi NatWest Bank 4 23rd August 2006 13:42
APACS your friendly financial website NATTIE A Word from the Banks 1 30th July 2006 19:13






Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE