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)


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  1. 23rd June 2006 15:35 #1
    CrispDust CrispDust is offline
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    Default CrispDust v Abbey Nat Mortgage

    SARicon under DPA sent 19th June 2006 over charges on mortgageicon account, since closed 1995, including some legal fees.
    Awaiting repsonse, if any from grAbbey Natural.
    Correction that should be 2005!, not 1995

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  2. 23rd June 2006 20:42 #2
    caro caro is offline
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    Default Re: CrispDust v Abbey Nat Mortgage

    Be interesting to see what happens.

    Fed up with bank charges?
    Email your MP TODAY!!!

    Sign the Petition

    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.

    END LEGAL LOAN SHARKING
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    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.
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  3. 9th August 2006 00:09 #3
    CrispDust CrispDust is offline
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    Default Re: CrispDust v Abbey Nat Mortgage

    Well I finally got my SARicon stuff from Abbey today - The letter was dated 20th July! Even Royal Mail don't take 18 days to deliver 2nd class. Spooky that i sent my lbaicon for non compliance today.....
    It's from a microfiche and seems to have been pulled without problem - so their micrfiche exceuse is BS.
    Some interesting internal emails also included about the number of increased SARicon and transactions/charges request - I'll transcribe some if anyone is interested.

    Now I just have to wade htrough all the stuff and also try to translate. They sent a key to transaction codes but they don't really mean much ie what is a "Debit sundry no grace" ??? All i know is it cost me £35!

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  4. 9th August 2006 00:18 #4
    Karnevil Karnevil is offline
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    Default Re: CrispDust v Abbey Nat Mortgage

    Some interesting internal emails also included about the number of increased S.A.R - (Subject access requesticon) and transactions/charges request - I'll transcribe some if anyone is interested.
    ooo yes please...... (but I'm very nosey)

    Debit Sundry No Grace sounds a bit mean - they do like dressing their penalty charges up to make them look pretty....

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  5. 10th August 2006 20:49 #5
    ellemmjay ellemmjay is offline
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    Default Re: CrispDust v Abbey Nat Mortgage

    Hi

    Would be very interested in the detail from Abbeyicon Mortgages as fully intend to have a go for that once the bank account is settled - or maybe should start now......

    Do transcribe if it's not too much trouble

    Elle

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  6. 10th August 2006 22:56 #6
    CrispDust CrispDust is offline
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    Default Re: CrispDust v Abbey Nat Mortgage

    The microfiche detail is large but very confusing, especially as we had two concurrent mortgages, never found out why....
    The amount of movment within the account is mind boggling!
    But they did send it without procrastinating, other than taking 50 days. Complaint off to IC tommorrow.
    I will transcribe if I get the time (wife allowing) or can be bothered to get my scanner working or buy a new one.

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  7. 18th September 2006 19:54 #7
    ellemmjay ellemmjay is offline
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    Default Re: CrispDust v Abbey Nat Mortgage

    Hi Crisp

    Any update on your claim with Abbeyicon ref your mortgageicon claim

    I've just sent off my S.A.R - (Subject access requesticon) for 10 years' worth - believe this is accepteble under statute of limitationsicon cos it relates to property - someone correct me if I'm totally wrong

    Have 4 years' worth of statements just interested what comes back now

    Went into suspended repossession twice during this time so imagine the charges will have racked up

    At the mo the running total for the 4 years is £1500 plus a £1000 odd adminicon fee charged when I redeemed my mortgageicon

    (edit)
    L

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  8. 18th September 2006 20:59 #8
    CrispDust CrispDust is offline
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    Default Re: CrispDust v Abbey Nat Mortgage

    No I haven't got round to shAbbey yet, to busy on Barclaysicon, Ikano and MBNAicon. I requested a detailed "lay" explanation of the various codes but they just sent back the same meaning less key.
    Doh!

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  9. 18th September 2006 21:08 #9
    ellemmjay ellemmjay is offline
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    Default Re: CrispDust v Abbey Nat Mortgage

    What did I do before I found this Site

    LOL

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  10. 12th February 2007 22:27 #10
    Karnevil Karnevil is offline
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    Default Re: CrispDust v Abbey Nat Mortgage

    Crisp - wondered if you still had those internal emails ?

    Also did you find out exactly what '' Debit Sundry No Grace " was exactly ?

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  11. 14th February 2007 23:32 #11
    CrispDust CrispDust is offline
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    Default Re: CrispDust v Abbey Nat Mortgage

    No, just enjoying my Barclaysicon win and dealing with OH's Halifux claim at momo.
    I'll dig out emails. It was related to queries over the SARicon/DPA and I suspect may be irrlevant no the microfiche argument (goodness that seems SOOOO long ago) was debunked.

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  12. 15th February 2007 10:20 #12
    Karnevil Karnevil is offline
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    Default Re: CrispDust v Abbey Nat Mortgage

    lol excellent - we still have people going to court on DPA non compliance with Abbeyicon unfortunately so any info will help.

    And congrats on the Barclaysicon win

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  13. 16th February 2007 22:25 #13
    Karnevil Karnevil is offline
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    Default Re: CrispDust v Abbey Nat Mortgage

    Crisp just a quick note if you do get chance to type them up can you send them to me by PM please, if my mail box is full send them to ' adminicon ' by pm. Thanks.

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