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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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Are you being threatened over debts more than 6 years old?
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The Consumer Protection from Unfair Trading Regs 2008 Have you been defaulted?
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| | | | | | | Co-Op and Smile successes **Existing Successful Claims Only *NO* New Threads Please** - Contact a moderator to move your thread | 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 |  | 
28th May 2006, 17:10
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#1 (permalink)
| | Basic Account Customer |  Forcels v Smile ***SETTLED IN FULL***
Story so far (items in red updated to show current progress):
- 10/5/06 - Data Protection Act request sent via secure message
- 17/5/06 - Request acknowledged, £5 admin fee requested by Co-Op Bank HQ
- 23/5/06 - Cheque for £5 received and acknowledged by Co-Op Bank HQ
- 17/6/06 - Statements received. Total charges and relevant interest calculated.
- 18/6/06 - Preliminary letter sent via secure message requesting refund of £1350 charges plus £12 interest
- 3/7/06 - Secure message received offering to refund all charges but not interest. Offer accepted.
Awaiting statements now - expect that they owe me around £250 in charges. Also pretty sure that some defaults on my credit file are purely down to illegal charges sending me over my O/D limit!! 
Requesting credit report from Experian shortly to check!
Forcels
Last edited by forcels; 3rd July 2006 at 13:49.
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28th May 2006, 17:43
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#2 (permalink)
| | Site Team | Re: Forcels vs Smile
In that case things could get interesting here.
I recently started court action for charges plus default removal - will keep you posted.
__________________ .. . Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
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17th June 2006, 11:29
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#4 (permalink)
| | Site Team | Re: Forcels vs Smile
Send requests by mail. If you send 'copies' via online methods, then that is fine.
__________________ .. . Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
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17th June 2006, 17:11
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#6 (permalink)
| | Site Team | Re: Forcels vs Smile
Big difference between the £250 you expected and the actual £1350. Smile have been paying up quite well so far, so you shouldn't have to wait too long.
Keep us posted.
__________________ to discuss any health, fitness or relationship issues. Using the Consumer Health Forums helps support CAG Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007 Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06 Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007  Advice & opinions given by Caro 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. | |
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4th July 2006, 01:08
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#8 (permalink)
| | Site Team | Re: Forcels v Smile ***SETTLED IN FULL***
CONGRATULATIONS
This is great news, well done.
Would you please fill out our survey - Bank Charges Refund Survey
__________________ .. . Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
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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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