consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | Bank Charges Survey Results | '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 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 185,000 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!


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



Your Internet search-box

Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-

Your Internet searchbox




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
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
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Bank Action Group - against unlawful bank charges
> General

General Come here to discuss general issues in the unlawful charging by banks debate.
Any general issues about unfair bank charges.


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 3rd September 2007, 14:06   #401 (permalink)
muggins73
Platinum Account Customer
 
muggins73's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Sep 2006

Please donate something to CAG if we have helped you.

I am in: The New Forest, Hampshire
Posts: 1,113
muggins73 Informativemuggins73 Informativemuggins73 Informativemuggins73 Informative
Default Re: Find out here if your local court is staying claims

I've just spoken to a lady at Bournemouth Court who doesn't know of anyone applying to have their stay lifted, let alone have it successfully removed

She couldn't give me a 'heads up' as it were, a simply said that if I applied to have it lifted it is solely at the DJ discression. How helpful is she!!!!!
muggins73 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd September 2007, 14:40   #402 (permalink)
remus
Platinum Account Customer
 
remus's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Nov 2006
Posts: 838
remus Novitiateremus Novitiate
Default Re: Find out here if your local court is staying claims

NEWPORT ISLE OF WIGHT STAY request by HSBC GRANTED Hearing 11/9 Vacated.
remus is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd September 2007, 14:43   #403 (permalink)
remus
Platinum Account Customer
 
remus's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Nov 2006
Posts: 838
remus Novitiateremus Novitiate
Default Re: Find out here if your local court is staying claims

Muggins73, just spoke to the court, and said about putting in an appeal to the stay, and she said it would cost.
Anyone know if this is the case? and how much?
remus is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd September 2007, 14:50   #404 (permalink)
muggins73
Platinum Account Customer
 
muggins73's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Sep 2006

Please donate something to CAG if we have helped you.

I am in: The New Forest, Hampshire
Posts: 1,113
muggins73 Informativemuggins73 Informativemuggins73 Informativemuggins73 Informative
Default Re: Find out here if your local court is staying claims

You fill in a form N244 Application Notice from the hmcs website. It will cost £35 squids I'm afraid providing you tick that you wish to have your application dealt with without a hearing, as at a hearing costs £65.

Have a butchers at this link, everything will become clear.
http://www.consumeractiongroup.co.uk...y-updated.html
Form N244 - application notice

Hope this helps
muggins73 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd September 2007, 14:55   #405 (permalink)
monkeymax
Basic Account Customer
 
monkeymax's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jul 2007
Posts: 35
monkeymax Novitiate
Default Re: Find out here if your local court is staying claims

i had my case stayed against Barclays in Kingston County court last Thursday. What do you think are my chances of lifting this stay?
monkeymax is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd September 2007, 15:09   #406 (permalink)
beetlejuice
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2007
Posts: 353
beetlejuice Novitiate
Default Re: Find out here if your local court is staying claims

I've applied for a lift at Brentford CC I'll let you all know how it goes not heard anything yet.

BJ
beetlejuice is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd September 2007, 15:23   #407 (permalink)
thedynamix
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2007
Posts: 87
thedynamix Novitiate
Default Re: Find out here if your local court is staying claims

Hi guys, I am not sure what 'staying cases' means? Am I right in thinking that if a CC has stayed a case then it means that the case won't be heard untill the OFT case is finished?

What's the best thing for me to do? I need to send off my N1 and POC and I live in the London region. Should I look through the lists provided on here and file at a court in London which is known to be "staying cases" or one which isn't?

Thanks!
thedynamix is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd September 2007, 15:29   #408 (permalink)
muggins73
Platinum Account Customer
 
muggins73's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Sep 2006

Please donate something to CAG if we have helped you.

I am in: The New Forest, Hampshire
Posts: 1,113
muggins73 Informativemuggins73 Informativemuggins73 Informativemuggins73 Informative
Default Re: Find out here if your local court is staying claims

Quote:
Originally Posted by thedynamix View Post
Hi guys, I am not sure what 'staying cases' means? Am I right in thinking that if a CC has stayed a case then it means that the case won't be heard untill the OFT case is finished?

What's the best thing for me to do? I need to send off my N1 and POC and I live in the London region. Should I look through the lists provided on here and file at a court in London which is known to be "staying cases" or one which isn't?

Thanks!
'claim be stayed' simply means put on hold, pending the final determination of the OFt test case (which could amount to 2 years:o)

It is totally up to you how you wish to proceed, it may be worth looking through the list for a court that appears to be carrying on as normal as you've suggested, but there is a chance that your claim may be moved back to somewhere local.

In the long run this test case will be beneficial to all, but in the short term it is one great big pain in the rear

Good luck with whatever you decide.
__________________
SUCCESSESS
NATWEST01&02 won over 4k

See how
http://www.consumeractiongroup.co.uk...3-natwest.html


CURRENT CLAIMS
HALIFAX03
19-SEPT-07 APPLICATION TO HAVE STAY LIFTED
02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04
10-MAY-07 LBA

ABBEY05
19-SEPT-07 LBA


muggins73 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd September 2007, 15:56   #409 (permalink)
thedynamix
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2007
Posts: 87
thedynamix Novitiate
Default Re: Find out here if your local court is staying claims

Thanks muggins, thats a lot more clear.

And if I decide to file at a court and my claim is stayed, is there still hope for a way to push it through?

Why do courts stay them claims? A matter of fairness or?
thedynamix is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd September 2007, 17:04   #410 (permalink)
muggins73
Platinum Account Customer
 
muggins73's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Sep 2006

Please donate something to CAG if we have helped you.

I am in: The New Forest, Hampshire
Posts: 1,113
muggins73 Informativemuggins73 Informativemuggins73 Informativemuggins73 Informative
Default Re: Find out here if your local court is staying claims

This is new territory for us and the courts, so things are still very much up in the air at the moment.

There is no clear cut way of predicting what is going to happen with future court proceedings. The only sure thing is that the tide is definately turning, and hopefully in our favour.

I've read somewhere that the courts do intend to hold a meeting with regards to these 'stays', but exactly when and how long this will take is beyond me...if the truth be known I doubt if even god knows!!!LOL!!!!
muggins73 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd September 2007, 17:12   #411 (permalink)
beetlejuice
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2007
Posts: 353
beetlejuice Novitiate
Default Re: Find out here if your local court is staying claims

It's shame we can't charge the courts interest on our claim fee, that might move them along a bit!!!!
" inconsiderate borrowing rate" of ??.


BJ

beetlejuice is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd September 2007, 17:16   #412 (permalink)
muggins73
Platinum Account Customer
 
muggins73's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Sep 2006

Please donate something to CAG if we have helped you.

I am in: The New Forest, Hampshire
Posts: 1,113
muggins73 Informativemuggins73 Informativemuggins73 Informativemuggins73 Informative
Default Re: Find out here if your local court is staying claims

It is a damn shame,bj.

I think it'd go down a storm, dont you?
muggins73 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd September 2007, 17:21   #413 (permalink)
beetlejuice
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2007
Posts: 353
beetlejuice Novitiate
Default Re: Find out here if your local court is staying claims

perhaps we should be allowed to submit claims with no fee in the interim I have one or two at LBA stage for Banks! Then pay the fee once the big boys have had their bun fight!!

BJ

beetlejuice is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd September 2007, 19:13   #414 (permalink)
Mistermind
Platinum Account Customer
 
Mistermind's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 1,036
Mistermind InformativeMistermind InformativeMistermind Informative
Default Re: Find out here if your local court is staying claims

Quote:
Originally Posted by muggins73 View Post
In the long run this test case will be beneficial to all, but in the short term it is one great big pain in the rear
Beneficial only if the OFT pushes for a low rate. Dublin banks this very day charge £3 penalty fee, CAG and PenaltyCharges.co.uk suggested £5 fee, while the OFT itself set an intervention threshold of £12 on 5th April 2006 for credit cards, later stating without fanfare that £12 also applied to banks and mortgage lenders. Banks and mortgage lenders laughed at the OFT, who did nothing.

Some have suggested if you start your reclaim today you could go back to September 2001. But if the worst came to the worst and the test case with appeals do not reach final verdict until September 2009, then the civil Statute of Limitations makes it hard to reclaim penalty charges before September 2003, also losing the pre-2003 8% Statutory Interest to boot.
__________________



Mistermind is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd September 2007, 19:53   #415 (permalink)
muggins73
Platinum Account Customer
 
muggins73's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Sep 2006

Please donate something to CAG if we have helped you.

I am in: The New Forest, Hampshire
Posts: 1,113
muggins73 Informativemuggins73 Informativemuggins73 Informativemuggins73 Informative
Default Re: Find out here if your local court is staying claims

Quote:
Originally Posted by Mistermind View Post
Beneficial only if the OFT pushes for a low rate. Dublin banks this very day charge £3 penalty fee, CAG and PenaltyCharges.co.uk suggested £5 fee, while the OFT itself set an intervention threshold of £12 on 5th April 2006 for credit cards, later stating without fanfare that £12 also applied to banks and mortgage lenders. Banks and mortgage lenders laughed at the OFT, who did nothing.

Some have suggested if you start your reclaim today you could go back to September 2001. But if the worst came to the worst and the test case with appeals do not reach final verdict until September 2009, then the civil Statute of Limitations makes it hard to reclaim penalty charges before September 2003, also losing the pre-2003 8% Statutory Interest to boot.
Like I said...one great pain in the rear
muggins73 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd September 2007, 20:48   #416 (permalink)
TUTTSI
Platinum Account Customer
 
TUTTSI's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2006
Posts: 1,553
TUTTSI Novitiate
Default Re: Find out here if your local court is staying claims

Hi everyone, my hubbys HSBC claim at Barnet CC has now been stayed - looks like blanket stays at this court. Just considering whether to try and get it lifted.
DS
TUTTSI is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd September 2007, 22:53   #417 (permalink)
kopw
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2007
Posts: 97
kopw Novitiate
Default Re: Find out here if your local court is staying claims

Just had confirmation today that HIS HONOUR JUDGE HICKINBOTTOM sitting at Cardiff, has stayed my claim. I have applied for the stay to be lifted. The only good news is that Cardiff County Court are waiving the fees.

If my application is not successful then I'll put it on the back burner and forget about it until I get something through the letterbox in a few years. I just can't cope with all this stress. I get enough of that at work.
kopw is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 4th September 2007, 08:34   #418 (