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 Consumer Action Group
> Campaign

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.


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 (4) Thread Tools
Old 3rd November 2006, 08:03   4 links from elsewhere to this Post. Click to view. #1 (permalink)
BankFodder
Site Team
The Consumer Action Group
 
BankFodder's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jan 2006
Posts: 8,051
BankFodder has disabled reputation
Default Financial Ombudsman - a recommendation

The Financial Ombudsman is apparently so concerned about the level of complaints re bank charges and also the lack of public confidence in his office that maybe it is about time that he was made aware of the true scale of the problem.

I would recommend that everyone writes their own letter to the Financial Ombudsman to inform him
  • that they are bringing a bank charges claim against their bank
  • that they are not going through the Office of the Financial Ombudsman as they have no confidence in him.
  • that although he is concerned because he is receiving 150 complaints per week, The Consumer Action Group is receiving 4,000 complaints per week. In which of our two organisations does he believe the greater public confidence reposes?
This will only need a short note. It doesn't need to be expressed well or cleverly. Just send the note.

I think that it will help to make a difference
__________________
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

Last edited by BankFodder; 12th November 2006 at 18:54.
BankFodder is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd November 2006, 08:09   #2 (permalink)
BankFodder
Site Team
The Consumer Action Group
 
BankFodder's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jan 2006
Posts: 8,051
BankFodder has disabled reputation
Default Re: Financial Ombudsman - a recommendation

Here's the address:-

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR

or email them at:-

complaint.info@financial-ombudsman.org.uk

or

Walter-merricks@financial-ombudsman.org.uk
__________________
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

Last edited by Karnevil; 18th November 2006 at 16:24.
BankFodder is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd November 2006, 11:56   #3 (permalink)
Glenn UK
Platinum Account Customer
 
Glenn UK's Avatar
Default Re: Financial Ombudsman - a recommendation

E-mail sent, 151 this week now!!!
Glenn UK is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd November 2006, 17:32   #4 (permalink)
phatram
Platinum Account Customer
 
phatram's Avatar
Default Re: Financial Ombudsman - a recommendation

Email sent
phatram is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd November 2006, 17:33   #5 (permalink)
phatram
Platinum Account Customer
 
phatram's Avatar
Default Re: Financial Ombudsman - a recommendation

Can this thread be moved to a more prominent position?
phatram is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 7th November 2006, 22:14   #6 (permalink)
kateandpete
Classic Account Customer
 
kateandpete's Avatar
Default Re: Financial Ombudsman - a recommendation

Done
kateandpete is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 8th November 2006, 01:29   #7 (permalink)
bill-k
Platinum Account Customer
 
bill-k's Avatar
Default Re: Financial Ombudsman - a recommendation

E-stiffie sent - with polite suggestions !!
bill-k is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 8th November 2006, 14:13   #8 (permalink)
cadencealex
Classic Account Customer
Default Re: Financial Ombudsman - a recommendation

Do they reply?

Am I entitled to complain about the bank taking every penny that goes into my account, (child benefit and child tax credit), and that I have tried and tried to get them to reduce charges/understand I can't work as I am 8 months pregnant with twins... and that I can't feed my child as they are taking all my money?
cadencealex is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 8th November 2006, 14:22   #9 (permalink)
phatram
Platinum Account Customer
 
phatram's Avatar
Default Re: Financial Ombudsman - a recommendation

I would ask here, there is something you can do, but I can't find it.
Citizens Advice corporate website - Home
phatram is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 8th November 2006, 14:25   #10 (permalink)
cadencealex
Classic Account Customer
Default Re: Financial Ombudsman - a recommendation

Quote:
Originally Posted by phatram
I would ask here, there is something you can do, but I can't find it.
Citizens Advice corporate website - Home
Thanks

I've emailed them anyway!

My baby is well fed and happy, my husband works full time... but the child tax credit we get and the child benefit... goes into my account and we don't see a penny of it!!!

For all they care, after the conversations I have had with them about bank charges... we could be starving! Their answer? Get another loan madam...
cadencealex is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 8th November 2006, 20:26   #11 (permalink)
morgan054
Basic Account Customer
 
morgan054's Avatar
Default Re: Financial Ombudsman - a recommendation

Add another one to the total
morgan054 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 9th November 2006, 00:59   #12 (permalink)
Beserker
Classic Account Customer
 
Beserker's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 155
Beserker Novitiate
Default Re: Financial Ombudsman - a recommendation

Me to and one to the OFT.
Beserker is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 9th November 2006, 18:26   #13 (permalink)
bill-k
Platinum Account Customer
 
bill-k's Avatar
Default Re: Financial Ombudsman - a recommendation

Got a reply to mine inviting a formal complaint. Replied to that saying I declined to do so at this point, but thanks for acknowledgement & invite.

That's apoint, Beserker, maybe we should all fire one off to the OFT at the same time - it's only a couple extra keystrokes after all.
bill-k is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 9th November 2006, 23:02   #14 (permalink)
un1boy
Platinum Account Customer
 
un1boy's Avatar
Default Re: Financial Ombudsman - a recommendation

Stick me down!
un1boy is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 9th November 2006, 23:24   #15 (permalink)
notlam
Classic Account Customer
 
notlam's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2006
Posts: 205
notlam Novitiate
Default Re: Financial Ombudsman - a recommendation

Sending mine in a mo...
notlam is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 10th November 2006, 11:23   #16 (permalink)
davehaley
Basic Account Customer
 
davehaley's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jul 2006
Posts: 45
davehaley Novitiate
Default Re: Financial Ombudsman - a recommendation

Sent mine off just now.
davehaley is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 10th November 2006, 15:50   #17 (permalink)
Spiceskull
Platinum Account Customer
 
Spiceskull's Avatar
Default Re: Financial Ombudsman - a recommendation

You're right - this is something I haven't done since Easter, so a second letter of complaint will be winging it's way shortly...
Spiceskull is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 10th November 2006, 16:27   #18 (permalink)
kirsty22
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 31
kirsty22 Novitiate
Default Re: Financial Ombuds