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 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



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
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
Debt Action Group > Legal Issues

Legal Issues Advice and guidance on dealing with court action by a creditor


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 5th December 2006, 10:55   #1 (permalink)
MCBIRNIE25
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2006
Posts: 103
MCBIRNIE25 Novitiate
Default CCJ kays

All,
had a letter from geoffrey Parker Bourne solicitors stating they are applying for a warrant of execution due to missing payment on a ccj for Kays catalogue.
I wish to dispute this. Can I get some advice on the process to take now that it is at the CCJ stage.

Thanks in advance.
MCBIRNIE25 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 6th December 2006, 16:00   #2 (permalink)
MCBIRNIE25
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2006
Posts: 103
MCBIRNIE25 Novitiate
Default Re: CCJ kays

Bump,
can anyone help with this?
Now it's at the CCJ stage can I still do a cca request etc etc?
MCBIRNIE25 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 6th December 2006, 16:47   #3 (permalink)
djweeble
Gold Account Customer
 
djweeble's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jan 2006
Posts: 407
djweeble Informativedjweeble Informative
Default Re: CCJ kays

You say it is "at the CCJ stage", do you mean by that they already have a CCJ, or are they applying for one ?

If you already have a CCJ against you, you should have done the CCA letter before it got to court. I would still go ahead and demand it though, then when they fail to provide the details, and they almost certainly can't, apply to have the judgement set-asside on the grounds that you have "ONLY RECENTLY DISCOVERED" that there is no documentary evidence that you ever entered into a credit agreement with Kays.

If they get a warrant of excecution it means they will send the baillifs in, just stick to the normal advice on this forum and DO NOT UNDER ANY CIRCUMSTANCES LET THEM IN, then there's nothing they can do but eventually hand it back to the court, you will still be liable for all the costs though, unless you manage to get the judgement set-asside.

Once you get it set-asside, you're back to square one, and the failure to produce the CCA agreement means they cannot persue you for the debt in court again until such time as they do produce it.

You might even be able to claim your previous payments back, but that depends on how much neck you have
__________________

Nil Illigitimus Carborundum
djweeble is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 6th December 2006, 16:51   #4 (permalink)
MCBIRNIE25
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2006
Posts: 103
MCBIRNIE25 Novitiate
Default Re: CCJ kays

Thanks for that. Appreciated.

I already have a long standing CCJ, but going through my files I can't find any paperwork at all relating to this account.
I will send the CCA to GPB anyway, thanks for that.
I have more neck than most people I know, one of the best thigns about being a born and bred scouser
MCBIRNIE25 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
Harrythehawk v Kays harrythehawk Other Institutions 15 21st February 2008 12:58
vick* V Littlewoods & Kays catalogues vick* Other Institutions 19 21st June 2007 09:06
Moorcroft and Kays Laney65 Debt Collection Industry 25 2nd May 2007 09:02
kays - administration charge natnat28 Welcome to the Consumer Forums 2 23rd February 2007 17:44
Trixie V Kays TRIXIE Other Institutions 1 28th November 2006 21:14




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.