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:-
Come and chat with us here (NB: External site NOT affiliated with CAG)

  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
Defaulted for bank charges?
Put your Credit Reference Agency on Notice
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

Shrinking Groceries
Are you a victim of deceptive pricing?
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
Debt Action Group > Formal Solutions: Bankruptcy, Administration Orders and IVAs
Reload this Page IVA some questions...............

Formal Solutions: Bankruptcy, Administration Orders and IVAs Advice on some of the formal debt management solutions


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 17th June 2007, 12:31   #1 (permalink)
hope1
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2007
Posts: 1
hope1 Novitiate
Red face New to all this but need help.
I have taken the brave step to try and take control of my finances rather than they take control of me! I am in a serious amount of debt and I mean serious due to living beyond my means for years and years. I used to have a very well paid job and could meet my outgoings with bonus's, share sales and salary but I am now on long term sick with my company and will not be returning for some time (if ever). I have a beauty studio which is a limited company and I am a Director but I receive no payment as it has only been open 18months - and after investing in circa of 50,000 into it I will not be able to receive an income for at least another 18 months. Can I apply for an IVA - is it in my best interest? Does an IVA deal with the credit card debts and the loans debts? Look forward to hearing from someone/anyone!!!! Even if its for a bit of moral support!
hope1 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 17th June 2007, 12:55   #2 (permalink)
ja-de
Platinum Account Customer
 
ja-de's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2007
Posts: 1,776
ja-de Authoritativeja-de Authoritativeja-de Authoritativeja-de Authoritativeja-de Authoritativeja-de Authoritativeja-de Authoritativeja-de Authoritativeja-de Authoritativeja-de Authoritative
Default Re: New to all this but need help.
Welcome hope1, I don't know much about this subject, but try this link IVA - Individual Voluntary Arrangement: IVA Advice for Beginners I hope it'll help, there's a calculator to help you work out whether you qualify for IVA.
Good luck & come back & let us know how you go, & please remember that there is always someone that can help you. We are a friendly lot.
ja-de
ja-de is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 17th June 2007, 14:28   #3 (permalink)
MARTIN3030
Site Team
 
MARTIN3030's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2006
Posts: 11,236
MARTIN3030 AuthoritativeMARTIN3030 AuthoritativeMARTIN3030 AuthoritativeMARTIN3030 AuthoritativeMARTIN3030 AuthoritativeMARTIN3030 AuthoritativeMARTIN3030 AuthoritativeMARTIN3030 AuthoritativeMARTIN3030 AuthoritativeMARTIN3030 AuthoritativeMARTIN3030 Authoritative
Default Re: IVA some questions...............
Welcome to the site.
Have moved your thread here and re-titled.
Hopefully you should get some of your questions answered.
__________________
Halifax ; First and easiest of the lot.
Royal Bank Scot; 1 done 1 stayed
Telewest Broadband.......Won ..after 2 bounced cheques and them running out of time.
Barclays Business;.1 won Round 2 limitation hearing.DEC 08
Citi Cards.Stayed;Stay lifted -hearing FEB09
Default removals;Rbs stayed
Virgin media; Judgement by default.
Vanquis;Looking for the hidden charges !
Swinton Insurance-LBA sent.

Please read up on posting.If in doubt-leave it out.

DONATIONS HELP US TO HELP YOU
However large or small all go to ensuring that the site can continue in its fight for consumers.You can make a donation by paypal here;http://www.consumeractiongroup.c o.uk/donate.html

Advice offered by MARTIN3030 is without predjudice and is for your judgement as to whether to take it.
You should seek the assistance or hire of a solicitor or other paid professional if in doubt ie; Cobbett Ltd.
MARTIN3030 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 17th June 2007, 15:27   #4 (permalink)
yaffsimone1
Gold Account Customer
 
yaffsimone1's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2007
Posts: 643
yaffsimone1 Novitiate
Default Re: IVA some questions...............
Can you tell us a bit more about how much money you owe and what on i.e credit cards, loans, HP. A little more info will help as all circumstances are different.
yaffsimone1 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply

« Bankruptcy / New debtor appeared. | FYI Council Tax - The Politics Show BBC1 12pm Sunday »


Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
A few questions minimal76 MBNA 3 12th January 2007 19:44
3 questions Alien Barclays Bank 1 9th December 2006 23:06
Some S.A.R - (Subject Access Request) questions Fishpolice Lloyds Bank 1 2nd November 2006 16:39
Hello & my 1st questions... cece_diamond Welcome to the Consumer Forums 3 9th August 2006 18:43
a few questions jacks Scotland 2 28th July 2006 22:58

Contact Us - The Consumer Forums - Archive - Top



Do your Internet search here:

The Consumer Action Group and The Bank Action Group are registered trademarks
Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road, London, NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131