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
Debt Action Group > Legal Issues > DCA Legal Successes

DCA Legal Successes This is where threads will be moved after a successful legal victory regarding a DCA issue.


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 15th February 2008, 22:01   #301 (permalink)
BLADES65
Classic Account Customer
Default Re: Bankruptcy Order !!! *** WON, TWICE ***

Well done mate, hope 1st Credit get the message loud and clear now.
BLADES65 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th February 2008, 22:44   #302 (permalink)
Goldlady
Platinum Account Customer
 
Goldlady's Avatar
 


I am in: Tyneside
Posts: 3,522
Goldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady Authoritative
Default Re: Bankruptcy Order !!! *** WON, TWICE ***

So pleased it is finally over. What a rollercoaster ride it has been for you and all of us following you. Power to the people.

Hope you are celebrating in style. You should write a book now.
Goldlady is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th February 2008, 22:48   #303 (permalink)
Having_A_Knightmare
Platinum Account Customer
 
Having_A_Knightmare's Avatar
 


I am in: Zippys Back!!!!!
Posts: 2,093
Having_A_Knightmare AuthoritativeHaving_A_Knightmare AuthoritativeHaving_A_Knightmare AuthoritativeHaving_A_Knightmare AuthoritativeHaving_A_Knightmare AuthoritativeHaving_A_Knightmare AuthoritativeHaving_A_Knightmare AuthoritativeHaving_A_Knightmare Authoritative
Default Re: Bankruptcy Order !!! *** WON, TWICE ***

Great news

Well done mate
Having_A_Knightmare is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th February 2008, 22:54   #304 (permalink)
ananya
Gold Account Customer
 
ananya's Avatar
 


I am in: Sunny Birmingham
Posts: 450
ananya Novitiateananya Novitiate
Default Re: Bankruptcy Order !!! *** WON, TWICE ***

Excellent news

Well done from me and mine's a pint
ananya is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th February 2008, 23:04   #305 (permalink)
fermi
Classic Account Customer
 
fermi's Avatar
Default Re: Bankruptcy Order !!!

Missed this earlier. Absolutely fantastic news.

Will give everyone who has received a SD from Connaughts a great big grin.
fermi is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 16th February 2008, 00:12   #306 (permalink)
renegotiation
Platinum Account Customer
 
renegotiation's Avatar
Default Re: Bankruptcy Order !!!

[quote=fermi;1382116] Missed this earlier. Absolutely fantastic news. quote]

I come on in the late afternoon and the threads from last night have even drifted back to page 5 some times. Traffic has certainly increased since I joined and especially more so in the last couple of months.
renegotiation is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 16th February 2008, 01:16   #307 (permalink)
rdm2006
Platinum Account Customer
 
rdm2006's Avatar
 


I am in: Where the Oatcake is rolled
Posts: 1,071
rdm2006 Informativerdm2006 Informative
Default Re: Bankruptcy Order !!! *** WON, TWICE ***

excellent and wonderful news (on both occasions lol) just read this from start to finish and had i read this earlier you would have had my full support too (not that i would have been at all useful )


Well Done
rdm2006 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 16th February 2008, 13:24   #308 (permalink)
Slartibartfast
Classic Account Customer
 
Slartibartfast's Avatar
 


I am in: Temporary Accomodation
Posts: 162
Slartibartfast Novitiate
Default Re: Bankruptcy Order !!! *** WON, TWICE ***

Brilliant!
It never ceases to amaze how inhumane the whole system is. Glad you got through it all.
Slartibartfast is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 17th February 2008, 14:26   #309 (permalink)
Saffronflowers
Gold Account Customer
 
Saffronflowers's Avatar
Default Re: Bankruptcy Order !!! *** WON, TWICE ***

WAHOOOOOOOOOOOOOOO - I am so so pleased for you, I never doubted that you had the strength to fight this and you have proven that. Congratulations lovely and all the best for the future. Print this thread out and put it in a vault and when you think you have an insurmountable problem get it out and flick through it and smile!!!!

I know two lucky girls who have a Daddy, who they can be very proud of and also will be able to help them be the best that they can what ever the obstacle.

Lots of love

SFx and her Flowergirls.
Saffronflowers is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd May 2008, 14:56   #310 (permalink)
Neil Purvis
Basic Account Customer
Default Re: Bankruptcy Order !!! *** WON, TWICE ***

Please can anybody help!!! I was personally made bankrupt for a business debt of eight hundred pounds. I was never served but they managed to gain a substituted service order on the grounds that they visited my business address twice whilst it was closed (opening hours were published outside!). The first time I became aware that I was bankrupt was a call from the insolvency agency informing me of the fact. The amount then was thirteen hundred pounds. I enquired who I needed to pay the sum to as I was in the position to pay the said amount. They informed me that it was not an option and a IP would be appointed. I was contacted by my IP who said a period of investigation to include all minor personal debt and a creditors meeting was compulsory and closed my business which was jointly owned by my business partner (wife). It was disasterous thing as we were at the point of signing over the lease of the business for a sizeable sum, with us retaining the freehold. The knock on effect has been catastrophic as we are also currently fighting to keep our home also- as well as trying to claim against Lloyds too. I did initially go for an annulment of the bankruptcy on the grounds that it never should have happened (I literally did not have any paperwork)- unfortunately, the same judge whom heard the appeal had issued the subsituted service (I found out many months later when I went and looked at my file at the court). She did not think there was anything unreasonable in the fact they never went whilst the business was open, stated they went to a village with a similar, but different name 1 1/2 miles away and apparently spoke to a member of staff when the business was closed- but left no message or anything. Could someone please help- I would be eternally grateful.
Neil Purvis is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd May 2008, 16:52   #311 (permalink)
linz2011
Platinum Account Customer
 
linz2011's Avatar
Default Re: Bankruptcy Order !!! *** WON, TWICE ***

you should start your own thread ask a mod to move it for you

Was the business a LTD company?
linz2011 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd May 2008, 17:06   #312 (permalink)
Neil Purvis
Basic Account Customer
Default Re: Bankruptcy Order !!! *** WON, TWICE ***

Thanks for your reply.

I dont know how to ask a mod?

it was not a ltd company just a partnership.

Neil
Neil Purvis is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd May 2008, 17:47   #313 (permalink)
linz2011
Platinum Account Customer
 
linz2011's Avatar
Default Re: Bankruptcy Order !!! *** WON, TWICE ***

Neil please see this thread and continue from there

Bankruptcy Order

You will get loads of help - i do not know enough about bankruptcy but there are lots of people who will help you

Good luck
linz2011 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd May 2008, 17:59   #314 (permalink)
Neil Purvis
Basic Account Customer
Default Re: Bankruptcy Order !!! *** WON, TWICE ***

Thanks,
have been trying to fight this on my own. with no help from legal aid etc and cannot afford to pay for it as i am bankrupt.

many thanks,

Neil.
Neil Purvis is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd May 2008, 19:28   #315 (permalink)
Goldlady
Platinum Account Customer
 
Goldlady's Avatar
 


I am in: Tyneside
Posts: 3,522
Goldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady Authoritative
Default Re: Bankruptcy Order !!! *** WON, TWICE ***

Neil how long ago did this dreadful thing happen? If you do start a new thread will you put a link onto this one?
Goldlady is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd May 2008, 21:09   #316 (permalink)
linz2011
Platinum Account Customer
 
linz2011's Avatar
Default Re: Bankruptcy Order !!! *** WON, TWICE ***

Hi GL how you doing? I have started a new thread for neil the link is in 313

Hope you are well
linz2011 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd May 2008, 21:13   #317 (permalink)
Goldlady
Platinum Account Customer
 
Goldlady's Avatar
 


I am in: Tyneside
Posts: 3,522
Goldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady AuthoritativeGoldlady Authoritative
Default Re: Bankruptcy Order !!! *** WON, TWICE ***

Hi Linz, I am doing fine, hope you are too.

Thanks for starting Neil's thread - I am onto it.
Goldlady is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote