Consumer Action Group envelope labels
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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
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| | | | | | 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 |  | 
7th September 2006, 20:15
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#1 (permalink)
| | Basic Account Customer |  Proceeding with MCOL ... Little Help?
But just a quick question...
Cap One have done the usual, and offered to refund so that the charges equal £12 a month. My argument is 'I've caught you stealing, so you just hold your hands up, 'Okay, you caught me, have your stuff back, see you later.'' Not really on I reckon. (just so nobody thinks I'm being greedy for the sake of it.)
I'm at the point on MCOL, it wants Cap One's address.. now the address I've been talking to is a PO Box in Nottingham, while their registered office is 350, Euston Rd. London.
Which one? I'm guessing registered office?
Tel
Last edited by Tel916; 7th September 2006 at 21:10.
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7th September 2006, 20:19
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#2 (permalink)
| | Basic Account Customer
I am in: Plymouth
Posts: 92
| Re: Proceeding with MCOL right this second...
Registered Office I believe  | |
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7th September 2006, 20:30
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#5 (permalink)
| | Basic Account Customer
I am in: Plymouth
Posts: 92
| Re: Proceeding with MCOL right this second...
I know the feeling, but the law and everyone on this site is on your side and you will prevail!
Good luck and let me know how it goes
Ryjayel  | |
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7th September 2006, 21:03
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#6 (permalink)
| | Basic Account Customer | Re: Proceeding with MCOL right this second...
The mcol thing *seems* to be working for me... right, I'm struggling a bit now, and I'd like some input?
I've basically paraphrased the info I found in the templates section :
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I have a contract with the defendant, dated XX/XX/XX, which is conducted on their standard terms and conditions.
I am claiming for the return of money by them, taken in charges over a period of four years plus the interest charged, charges which I now realise are illegal due to being a disproportionate penalty and therefore unenforceable, as they are contrary to common law.
Furthermore, as a disproportionate penalty, they stand as invalid under the Unfair (Contracts) Terms Act 1977 s.4, and under the Unfair Terms In Consumer Contracts Regulations 1999 para.8 and sch.2(1)(e). In the event that the charges are not a penalty, they hare unreasonable within in the meaning of The Supply Of Goods And Services Act 1982 s.15.
Despite communication with the defendant, no reasonable justification or full refund has been offered to me, therefore I am claiming for the full return of the sum taken, including interest at a rate of 8% from date of recorded debit.
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Now I thought that'd be alright, outlines the case (as they request), fairly conclusive (open and shut really), but having read Bankfodder's 'sticky', I'm not as confident. Opinions anyone? | |
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7th September 2006, 22:41
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#10 (permalink)
| | Basic Account Customer | Re: Proceeding with MCOL right this second...
Bloody MCOL.. don't acept Visa Electron.  I'll ring them tomorrow.
All done though, and waiting to go! | |
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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