Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
    Site Team caro has disabled reputation caro's Avatar

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    Default Smile response to the Test Case

    This has been posted on the Smile website. smile: about overdraft charges

    Do not let this put you off claiming via the courts. File your claim as normal, but I strongly urge you to file using an N1 at court, rather than through MCOL. The benefit of this is that you are able to do a much more detailed Particular of Claim, with your schedule of charges attached.

    CAGicon has amended the Application for Removal of a Stay to cover stays such as smile are proposing. Basically you will be objecting to a stay due to the test case. The template is in the Bank templates libraryicon, but as with all templates make sure that it is right for your own case, and amend it if you need to. There's a link below.
    http://www.consumeractiongroup.co.uk...y-updated.html

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    When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.

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    What's Best for You?


    The Consumer Action Group is a free help site.
    Should you be offered help that requires payment please report it to site team.

    Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
    Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
    Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

    Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

  2. #2
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    theamused1 Novitiate

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    Default Re: Smile response to the Test Case

    Im utterly confused by the OFT test case now!

    Could you clarify, if:

    a. Smile have signed up the waivericon on complaints for the test case

    b. If Smile customers can still claim/continue with their claim, or will all claims be suspended until the result of the High Court ruling is known?

    c. There is a N1 form (amended) available for Smile customers to download and send as the CO-OP bank form does not acurately reflect the charges that smile makes with regards to unauthorised banking etc.

    HELP!


  3. #3
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    Default Re: Smile response to the Test Case

    Hi there
    I have just sent you and bankfodder a private message asking for advise/comments on my case against A+L due to be heard tomorrow at Redditch. BUT it hasnt been sent as "you have exceeded your stored messages space" I must admit it was a long message as I have quoted from letters recieved. Should I message you again here?
    KayX


  4. #4
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    Default Re: Smile response to the Test Case

    Hi! Newbie here!

    This is my first post, but i must say a BIG THANK YOU to everyone here. The information i've found here has certainly helped me get the ball rolling with my cliam.

    I've just received my first letter back from smile and this basically responds with the 'waiting for test case' with regard to unauthorised overdrafticon charges.

    I've read the smile statement from the link above and they say it could take up to a year! Does anyone know of a way of monitoring the status of this test case? I'm considering waiting until this is over before persuing my claim any further.

    Would claiming back other charges in the meantime make the process a lot more complicated? i.e. if they propose a settlement without the unauthorised overdraft charges and later want to go back to claim them (if that makes sense!)

    Thank you again!

    wiLik



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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE