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

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  1. 6th August 2007 17:48 #1
    GaryH GaryH is offline
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    Default How YOU can play a part in the OFT test case....

    Send us your T&C's!!!

    We're in need of Halifaxicon current account and general banking T&C's.

    Every user must have at least one set of Terms & Conditions stashed away somewhere! Please search them out and scan them to us at the following e-mail address (preferably pdf format) -

    evidence@consumeractiongr oup.co.uk

    Any relevant terms and conditionsicon will be put forward as evidence against the banks in the OFT test case. The OFT have indicated that the case will be conducted on the basis of a "representitive selection" of the banking contracts past and present.

    We want to ensure the selection is as varied as possible and that the banks don't get to cherry pick only the contracts which happen to suit them.

    If you do not have a scanner or cannot guarantee a good quality scan, please post the original documents to the following address. Preferably take a copy before you send them - although we can return them to you if you indicate you need them back.

    Consumer Action Group
    PO Box 7481
    Derby
    DE1 0LE

    Thanks in advance for all your help!

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  2. 6th August 2007 18:34 #2
    kennythecelt kennythecelt is offline
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    Default Re: How YOU can play a part in the OFT test case....

    Hi there Garry

    Does this now mean that CAGicon has a direct means of contributing input to the case?

    If so, would that extend to collating other information such as banks misinforming claimants, not forwarding banking history within timescales, taking up court time, treating customers differently, etc, etc.

    Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

    Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

    http://www.consumeractiongroup.co.uk...ml#post1652270

    Register with CAG today, its free, its a great community:
    http://www.consumeractiongroup.co.uk/forum/register.php

    kennythecelt@consumeracti ongroup.co.uk.



    Thankyou Kennythecelt
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  3. 6th August 2007 18:44 #3
    GaryH GaryH is offline
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    Default Re: How YOU can play a part in the OFT test case....

    Hi Kenny...
    Quote Originally Posted by kennythecelt View Post
    Hi there Garry

    Does this now mean that CAGicon has a direct means of contributing input to the case?
    We hope to have, yes - in conjunction with a couple of the other large consumer groups.
    If so, would that extend to collating other information such as banks misinforming claimants, not forwarding banking history within timescales, taking up court time, treating customers differently, etc, etc.
    Not really, unfortunately. This case is only concerned with how the law applies to the banks overdrafticon charges.

    Please remember to DONATE! Help CAG keep up the fight!


    Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.
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  4. 6th August 2007 21:12 #4
    mrsfoot mrsfoot is offline
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    Default Re: How YOU can play a part in the OFT test case....

    Gary, will there be anythying in the case with regards to Banks applying charges to income related benefits? This is a growing concern. I am happy to help with this side of the law if needs be, but feel it should be included. Yes its a case about the actual cost to the bank, and this is a different law but surely we need to have it included? (have I just answered my own question?)

    All advice is based on my experiences. I am NOT qualified and as such cannot be held responsible for any mistakes. If in doubt...get professional help.
    If you like what i have said then make me a star!!
    Some helpful links
    I have been successful in many cases..here are links to some
    Housing Act and deposits: http://www.consumeractiongroup.co.uk...vise&highlight=
    Against Natwest: http://www.consumeractiongroup.co.uk...D***&highlight=
    Against Swift Advances: http://www.consumeractiongroup.co.uk...wift&highlight=
    Against B&Q: http://www.consumeractiongroup.co.uk...mp-Q&highlight=
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  5. 7th September 2007 09:49 #5
    Brit Brit is offline
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    Default Re: How YOU can play a part in the OFT test case....

    When is the test case due to sit , looked around the forum but cant see it?

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  6. 20th September 2007 20:04 #6
    Jesteruk Jesteruk is offline
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    Default Re: How YOU can play a part in the OFT test case....

    hi,
    im due in court on 21st next month any chance you couild forward me any pdf copies of the T&C's dated 2003-2006??

    any help would be gladly recieved!

    Jester

    Halifax Bank - Owed £1599
    23/3 - Data Protection Act sent
    24/5 - Data Protection Act finally arrived
    25/5 - Demand for repayment sent
    04/10 Court bundle filed with court and Halifax
    29/10 STAY ISSUED
    JAN 08 - Currently being harrased by debt collectors!
    Mar 08 - New DCA - Stopped in there tracks
    Jun 08 - And another
    Jul 08 - Complaint made to HBOS
    Nov 08 - My accounts been sold to a DCA
    Jan 09 - New complaint issued against HBOS
    Mar 09 - Halifax re-aquired the debt
    Apr 09 - Applying for Hardship.

    at least they removed 2 defaults in selling accounts!

    I dont not claim to know everything and any advice i give should be treated as MY opinion.

    If ive been helpful tip the scales!
    or better still
    DONATE TO CAG - every tenner helps!

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  7. 20th September 2007 20:13 #7
    GaryH GaryH is offline
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    Default Re: How YOU can play a part in the OFT test case....

    See the document library in the templates libraryicon.

    Please remember to DONATE! Help CAG keep up the fight!


    Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.
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