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. 9th September 2009 17:53 #1
    Duo_cobain Duo_cobain is offline
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    Default Help Needed regarding unfair charges.

    Hi all ,

    I'm sorry if this doesn't make sense but i haven't got a clue on which way to move forward with my claim , I'm currently unemployed and in debt by a substantial amount and could do with financial help so a friend informed me she recently managed to get hold of the last 6 yearsicon of her statements and highlight every time she'd been charged and send it off using the template she found but the Natwesticon one , and informed me that i sould do the same , i have recently read through the site and called the informed number at the bottom to find out more info and the lady at the other end informed me that they'd send me all the forms i need to claim back any charges but I'd need proof of anything/ everything for the last 6 years to claim.

    With me not having such information I'm unsure how to pursuit when the forms come to me , sould i go and ask for the 6 years worth of statements from my branch and post the letter from the above site or can anyone inform me of how to handle this.

    Any help would be muchly appreciated

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  2. 9th September 2009 18:29 #2
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    Default Re: Help Needed regarding unfair charges.

    we carry all the necessary templates on the site. Go to our library and you will find what you need.

    You need to send an SARicon which requires that they provide you with all the information you want within 40 days. They have a statutory obligation to make this disclosure to you under the data protection act. It will cost youu £10.

    You can use the SARicon template for any bank or any other institution that you have had dealings with.

    One thing of importance -- you have not been correctly informed about claiming six yearss. You can claim as far back as 1995 so if your account history takes you back beyond six years then make sure you get all of your data as far back as it goes and in any form. If your SAR limit itself merely to statements then you may well find that you will get six years worth of statements and a letter saying that they don't hold statements going any further back. This may be true. However they hold your account information in other forms going back a very long way.

    Get everything and get claiming

    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
    Please include a link to the post you want me to look at. If you have received a defence, contact me.
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group 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