Consumer Action Group envelope labels
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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
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| | | | | | 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 |  | 
6th September 2006, 11:26
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#1 (permalink)
| | Basic Account Customer |  Intelligent Finance - Standard letter rec'd TWICE!
Have done the pre-lim, got the standard response "we incur costs etc, etc...".
Went to stage 2 and did the LBA and guess what... They've sent me exactly the same letter AGAIN!!!
Has this happened to anyone else?
I knew they were rubbish with customer service etc, but this really is amazing. They deserve to be marched into court for being so un-intelligent!
Money claim here we come...  | 
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13th October 2006, 11:07
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#4 (permalink)
| | Basic Account Customer |  Re: MarkusDY -vs- Intelligent Finance - ** WON! **
Good news...
After having filed the MCOL, then they acknowledged and wanted to defend etc... had a letter from HBOS legal services this morning, starting off a tad patronising saying I should have technically sued Halifax Plc not IF, however, that haven't noticed I issued my claim to Halifax plc t/a Intelligent Finance.
Letter went on to say they intend to defend, however, purely on a commerical basis it would cost too much to defend so without admitting liability they are coughing up in full blah blah... 
Anyone else waiting for IF claims, stick with it. Seems to be the same policy as Halifax claims as its dealt with by the same legal services people.
__________________
Abbey Current Account £392.50 Prelim letter sent 23/03/07,
Alliance & Leicester Current A/C SETTLED in full 27/10/06!
IF Loan: *SETTLED* £300.00 Prelim letter sent 06/05/06, standard reply 25/05/06, LBA sent 29/08/06, 2nd standard reply 06/09/06 MCOL Filed 27/11/06, acknowledged 18/12/06, REQUEST FOR JUDGEMENT FILED 19/01/07, SETTLED in full 19/03/07.
IF Mortgage SETTLED in full 11/10/06.
Halifax Visa SETTLED in full 22/09/06
A&L Visa (MBNA) SETTLED IN FULL 27/09/2006!
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13th October 2006, 16:27
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#5 (permalink)
| | Basic Account Customer | Re: MarkusDY -vs- Intelligent Finance - ** WON! **
Congratulations!
You mention they said you should have claimed against Halifax NOT Intelligent Finance - so you were sending all letters to the 1 Baird Road address?
Did you start off with the S.A.R. template letter from the library on this site?
Did you claim interest or just charges?
I'm just about ready to send my S.A.R. off - slightly scared at the possibility of ending up in court, but it would seem no-one who has gone after I.F. has gone to court - unless anyone can tell me otherwise?
Were you getting worried after receiving two standard letters back?
Enjoy your money!
Stuarto.  | |
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29th October 2006, 08:50
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#7 (permalink)
| | Basic Account Customer | Re: MarkusDY -vs- Intelligent Finance - ** WON! **
Quote: |
Originally Posted by stuarto Congratulations!
You mention they said you should have claimed against Halifax NOT Intelligent Finance - so you were sending all letters to the 1 Baird Road address?
Did you start off with the S.A.R. template letter from the library on this site?
Did you claim interest or just charges?
I'm just about ready to send my S.A.R. off - slightly scared at the possibility of ending up in court, but it would seem no-one who has gone after I.F. has gone to court - unless anyone can tell me otherwise?
Were you getting worried after receiving two standard letters back?
Enjoy your money!
Stuarto. | Stuarto,
I did start off sending my first two letters to Baird Road, who them replied with the two of the same standard sod off letters. However, when I requested my charges breakdown, I didn't use standard S.A.R - (Subject Access Request) template letter, no. I simply wrote asking for a breakdown and got a list back with a little bit on the end saying I was very naughty and they usually charge for that kind of thing etc, etc.
After the two letters back from Baird Road, I then issued the MCOL to Halifax Plc t/a Intelligent Finance at Trinity Road, Halifax. This is as per the company information on the bottom of all IF correspondence anyway.
To answer your other question, yes I claimed interest and charges. I used the templates on here, very handy!
Good luck if you go for it. | |
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