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
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Reclaim the Right Ltd. - reg.05783665 in the UK
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Would you like to clean up your credit file? Check it out | | | | | | 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 |  | |
3rd September 2007, 14:50
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#404 (permalink)
| | Platinum Account Customer | 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  |
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3rd September 2007, 15:29
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#408 (permalink)
| | Platinum Account Customer | Re: Find out here if your local court is staying claims Quote:
Originally Posted by thedynamix 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. |
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3rd September 2007, 17:12
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#411 (permalink)
| | Classic Account Customer | 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  |
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3rd September 2007, 19:13
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#414 (permalink)
| | Platinum Account Customer | Re: Find out here if your local court is staying claims Quote:
Originally Posted by muggins73 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.
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3rd September 2007, 19:53
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#415 (permalink)
| | Platinum Account Customer | Re: Find out here if your local court is staying claims Quote:
Originally Posted by Mistermind 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  |
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4th September 2007, 08:34
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#418 ( | |