Consumer Action Group envelope labels
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Sheet of 20 self-adhesive 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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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?
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The warranty may be an example of unfair trading
See our new Unfair Trading Guide Have you been defaulted?
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The Consumer Protection from Unfair Trading Regs 2008 Have you been defaulted?
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| | | | | | | 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 |  | 
21st August 2006, 14:16
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#2 (permalink)
| | Basic Account Customer |  seanski v nationwide
Ive recieved a letter from the above after I had sent them my LBA along with the bank charges .They have sent me a reply saying it believes there charges are open & transparent and if I feel that I cant abide by them ...then it maybe appropriate that I consider alternative banking (which I have done anyway) Can you advise on the next step . would also like to kwow if i should claim my money through the Scottish court system .My claim is for over £6k plus interest your advice help much welcomed
thanks Sean
sent LBA on 15th August
Natinwide reply 21st August saying above
Last edited by seanski; 21st August 2006 at 15:06.
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21st August 2006, 14:34
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#3 (permalink)
| | Basic Account Customer | Re: seanski v nationwide
see above
Last edited by seanski; 21st August 2006 at 15:07.
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22nd August 2006, 12:18
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#9 (permalink)
| | Basic Account Customer | Re: claiming The Nationwide from Scotland HELP
In Scotland due to the small claims limit people are doing one of the following - Submitting a claim through the English courts system
- Severing the claim into amounts below £750 -Scottish small claim
- Submitting a claim via summary cause where the value of the claim is over £750 and up to (and including) £1500.
- Have not heard of anyone using ordinary cause yet which is for claims over £5000
I am currently using option 2 - however I cannot advise you what the best route for your personal circumstances are.Although if you can the preffered option in your case would appear to be -go through the English court -see help on jurisdiction at where can I raise proceedings
It is understood that the England & Wales Money Claim Online service requires a claimant to have an address in England or Wales, and therefore, if you are raising proceedings in England you would have to forward your claim to a particular County Court by post. While raising proceedings in England will entitle you to sue for a maximum of £5,000 under English small claims procedure, if the claim is defended you must be prepared to travel to England to present your defence. Accordingly, you should think very carefully about this issue, weighing up all of the pros and cons.
best of luck with your claims
Charlie
__________________ Nationwide Total settlement for first claim £810.92 (Charges £570.00) total charges £2579.00 (Another 4 claims to make)
Tesco personal Finance -NO penalty charges see post end thread
Egg Data Protection Act complaint sent to Information Commissioners Office see thread
Egg also trying to get defaults removed Abbey National/MBNA credit Card - Eventually settled in FULL  Citibank Preliminary sent 19/08/06 MBNA Data Protection Act sent 30/07/06 Mrs CharlieHo v Providian Data Protection Act sent 30/07/06 MORE TO FOLLOW Advice & opinions of CharlieHo are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts. | |
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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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claiming The Nationwide from Scotland HELP 
