Consumer Action Group envelope labels
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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
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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
| | | | CAG Announcements
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Welcome Guest
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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
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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?
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Check it out
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| | | | | | Debt Collection Industry Advice on how to deal with debt collectors.
Are you receiving distressing phone calls? Are you recording them? Why not? | 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 |  | | 
26th February 2007, 23:45
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#22 (permalink)
| | Platinum Account Customer
I am in: a house no longer in Debt Row...;-)
Posts: 4,497
|  Re: In need of major help, what do i do next?
 ... Good luck Kenny !! | 
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2nd March 2007, 18:00
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#26 (permalink)
| | Basic Account Customer | Re: In need of major help, what do i do next?
In fact just found this on a website: AA Loans
AA Loans are provided or arranged, subject to status, by Automobile Association Personal Finance Limited, Trinity Road, Halifax, West Yorkshire HX1 2RG.
You must be at least 18, a UK resident (excluding Northern Ireland, the Channel Islands and the Isle of Man) and in permanent employment to apply. The APR will vary depending on the amount of your loan, your personal circumstances, our credit assessment procedures and other related factors. APR and repayment details are correct at the time of the site going live. Certain purposes of loan may be excluded or have limited repayment periods, please ring for details. A guarantor may be required. Rates apply to Internet applications only and cannot be used in conjunction with any other offer. These rates are available for a limited time only.
Automobile Association Personal Finance Limited is a joint venture company between Automobile Association Developments Limited and Capital Bank plc. Capital Bank plc is an HBOS plc group company.
Automobile Association Personal Finance Limited is licensed under the Consumer Credit Act 1974 by the Office of Fair Trading. Further details of the Consumer Credit Public Register are available on www.oft.gov.uk (link opens a new window).
So there is a link to HBoS, who own Bank of Scotland, conviently shortened to BOS?!?!
__________________
19/02: S.A.R - (Subject Access Request) sent to A & L
20/02 S.A.R - (Subject Access Request) sent to HBoS
20/02 Subject Access Request sent to Capital One
21/02 Prem letter sent to RBS for £304 | |
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12th March 2007, 16:00
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#31 (permalink)
| | Platinum Account Customer
I am in: a house no longer in Debt Row...;-)
Posts: 4,497
| Re: In need of major help, what do i do next?
Don't have any dealings with them on the 'phone Kenny.... they will just try and feed you a pile of rubbish. | |
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12th March 2007, 16:06
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#32 (permalink)
| | Platinum Account Customer | Re: In need of major help, what do i do next?
Dont worry i wont, i know my rights, and they are close (almost) to commiting a criminal offense, they have already defaulted, and in that letter i told them i would only deal in writing,
their loss not mine.
my other question, is when i cancel a standing order at a bank, does the creditor or DCA they get told? or does it simply decline the next time they ask for payment?
Last edited by kennyparkroad; 12th March 2007 at 16:07.
Reason: more info needed
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12th March 2007, 16:13
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#33 (permalink)
| | Platinum Account Customer
I am in: a house no longer in Debt Row...;-)
Posts: 4,497
| Re: In need of major help, what do i do next?
The DCA finds out when they can no longer collect. When I cancelled mine, I didn't inform anyone.... just went down to the bank and cancelled it. That was 2 months ago. | |
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12th March 2007, 16:23
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#35 (permalink)
| | Platinum Account Customer
I am in: a house no longer in Debt Row...;-)
Posts: 4,497
| Re: In need of major help, what do i do next?
Who cares ? Just cancel it. | |
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12th March 2007, 16:37
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#36 (permalink)
| | Platinum Account Customer | Re: In need of major help, what do i do next?
i care because, they are close to being in offence stage rather than default stage, yes its sneaky but would rather wait before i cancel to give them less time to respond!
i thought i had already stopped payments, turns out i didnt as there was a glitch on the system, the bank apologised and told me to visit them in person to cancel it if i still wanted to do that.
Last edited by kennyparkroad; 12th March 2007 at 16:38.
Reason: missed info out
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12th March 2007, 16:41
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#37 (permalink)
| | Platinum Account Customer
I am in: a house no longer in Debt Row...;-)
Posts: 4,497
| Re: In need of major help, what do i do next?
Kenny, they are in default after 12 working days.... so you are within your rights to cancel after 12 working days. | |
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12th March 2007, 16:49
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