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:-

  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
> Scotland

Scotland If you live in Scotland or have an account in Scotland, please take time to join the new Scotland User Group. (Not for RBS/HBOS English accounts.)


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 20th May 2008, 00:03   #1 (permalink)
Strand08
Basic Account Customer
Default DCA?Home Visits

Hi guys, I keep reading on the forum about a letter to send DCA's to stop them coming to your door. In English common law . Is there a letter we can send in Scottish law, if so is there a template somewhere? I would like to be prepared if the occasion arose.
Strand08 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 20th May 2008, 00:19   #2 (permalink)
maroondevo52
Site Team
 
maroondevo52's Avatar
Default Re: DCA?Home Visits

Hi, Strand08.

Think this is the letter your talking about......

DCA -response to threats of home visits

No it doesn't apply to Scotland. The problem with trespass in Scotland is that there is an expectation of a certain permanency to the trespass, simply being on someone's land without the owner's permission is neither a civil or criminal offence. Although an aggrieved owner may take action in the courts by interdict if he can prove damage is being caused.


However the DCA is unlikely to be overly aware of Scots Law, so I would send them the letter changing.
Quote:
There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

To
Quote:
There is only an implied license under Scots Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc. Therefore take note that I revoke license under Common Law for you, or your representatives, to visit me at my property and if you attempt to send such a collector to my home, you will also be reported for harassment and I shall seek damages for a delict of trespass. You would also be liable for conspiring in a delict of trespass by acting in defiance of my instructions and sending someone to visit me nevertheless. Should it be necessary, I will obtain an interdict from the Court to prevent you carrying out your threat.


Regards.

Scott.
(With thanks to Rory32)
__________________
Any advice I give is honest and in good faith.
If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.
Help keep it up and active, helping people like you.

Bank of Scotland ( Business Account ) Small Claim.
Total: £1,027.70 Settled in Full.(October 2006)

Capital One Bank (Europe) plc Summary Cause Claim.
Total : £1,111,94: Settled in Full. (February 2007)

Bank of Scotland (Business Account) Summary Cause.
Total: £1,051.60. Settled in Full (April 2007)

Bank of Scotland (Business Account) FOS Claim.
Total: £4,945.00. Settled in Full (March 2008.
maroondevo52 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 20th May 2008, 00:30   #3 (permalink)
Strand08
Basic Account Customer
Default Re: DCA?Home Visits

Thank's Maroondevo 52. Its great to be armed when the DCA attacks. If this letter is needed I will keep you informed how it is recieved.

Last edited by Strand08; 22nd May 2008 at 13:53.
Strand08 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
Home Visits in Scotland (Letter) sutherland Dealing with Debt in Scotland 2 21st April 2008 21:48
halifax home visits sowerby17 Debt Collection Industry 6 10th March 2008 12:15
home visits paratrooper Debt Collection Industry 10 30th August 2007 04:25




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.