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
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    Default How much do they owe YOU??

    I am curious to know how much the banks are in for here?

    For consistency:

    - Last six years including 8% interesticon.

    Mine
    Lloydsicon Tsb £6300
    HSBCicon £550

    Wife
    Barclaysicon £2900

    Stew

    Ps: We should keep a CAGicon rolling balance, that would be interesting!

    I need to change my avatar..But cant find a good replacement.

  2. #2
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    Default Re: How much do they owe YOU??

    Lloydsicon are in for £4400 not including any interesticon - the standard 8% or compound.

    I am a layperson and have no legal training but I do have an iota of common sense (sometimes)

    Welcome Finance PPI -----> over £3k court case filed SETTLED

    Park Motor Finance -----> incorrectly logged default on credit file claim for compensation

    Lloyds Tsb ----> plenty of things all filed with Financial Ombudsman or Small Claims ----> settled by paying me full amount sought 02/05/09

    Easy Jet ----> damaged pushchair offered £232.50 pursued claim awarded £465

    Black Horse ----> Outstanding balance of £574.00 made up of charges and interest ----> account closed after accepting F&F settlement of £100.





    <--------- If I have helped please tip my scales (bet thats the only time you'll hear a woman say that )

  3. #3
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    Default Re: How much do they owe YOU??

    Quote Originally Posted by andie_303 View Post
    Lloydsicon are in for £4400 not including any interesticon - the standard 8% or compound.
    So just with the two of us, they in for 15k already.....Nice start!

    I need to change my avatar..But cant find a good replacement.

  4. #4
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    Default Re: How much do they owe YOU??

    They owe me £0.00 and next week they will owe me £0.00 but if they lose the appeal I will equally be as happy as those who stand to get £15K or more once the secondary part of the case has ended(which we have yet to start).


  5. #5
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    Default Re: How much do they owe YOU??

    hi there any body know how to start your own thread in relation to bank charges thanks in advance


  6. #6
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    Default Re: How much do they owe YOU??

    Quote Originally Posted by yourbank View Post
    They owe me £0.00 and next week they will owe me £0.00 but if they lose the appeal I will equally be as happy as those who stand to get £15K or more once the secondary part of the case has ended(which we have yet to start).
    Yesss yess we heard you the first few hundred times. We know the case is about the OFT being able to access the charges for fairness under the terms etc etc.

    Let us just have a moment to enjoy the idea of getting something back! And you never know, you may just be wrong.

    I need to change my avatar..But cant find a good replacement.

  7. #7
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    Default Re: How much do they owe YOU??

    I have "lent" £3,700 to Halifaxicon, now I want it back - plus interesticon


  8. #8
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    Default Re: How much do they owe YOU??

    I got in there before the current test case and ended up with £2400 of which about £200 was interesticon and £200 court costs..It bought a nice big hd tv and lots of over goodies

    Andy


  9. #9
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    Default Re: How much do they owe YOU??

    in relation to a getting back your charges what do you do if you closed the bank you was with years ago and you havent got no details i.e sort code and account numbers


  10. #10
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    Default Re: How much do they owe YOU??

    GS,

    you need to start your own thread via the "new thread" button at the top left for the appropriate bank in your case

    Click HERE then on your bank (Lloyds/HSBCicon/Barclaysicon/Etc) then the "New Thread" button



    Lets keep this thread to the topic the OP started, eh?

    Me -

    Lloyds -

    Approx £11,000 across 3 accounts + interesticon + damages

    omnia praesumuntur legitime facta donec probetur in contrarium


    Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

  11. #11
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    Default Re: How much do they owe YOU??

    I got £10k back from Abbeyicon in 2006. I settled for this when they claimed that a further £1.5k was statute barredicon. After tomorrow and the subsequent OFT ruling, I'm looking forward to going back after them for the rest.


  12. #12
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    Default Re: How much do they owe YOU??

    Mine
    £1200 Natwesticon

    SWMBO (Missus)
    £900 Natwest
    £450 Lloydsicon


  13. #13
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    Default Re: How much do they owe YOU??

    Mine....well total minus costs on the 2 claims I have with shAbbey....is £58,000

    Yes you read right!

    srfrench

    Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are!

  14. #14
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    Default Re: How much do they owe YOU??

    Ours without interesticon:

    Lloydsicon TSB Current Account £1900
    Lloyds TSB Mastercard £360
    HSBCicon Student Account £2400 which was then forced to a managed loan
    HSBC Business Account £850 also wrapped into managed loan

    All in all we've had £5,500 of service. Funnily enough, mortgageicon aside, without us living beyond our means to recklessly enjoy and fund our obvious service addiction we wouldn't be in debt at all. Strange that isn't it?


  15. #15
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    Default Re: How much do they owe YOU??

    Claiming on just one account with lloydstsbicon £4,500 plus 8%


  16. #16
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    Default Re: How much do they owe YOU??

    Am waiting for the new templates to start claiming £2,000 back from Halifaxicon for my brother.


  17. #17
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    Default Re: How much do they owe YOU??

    Quote Originally Posted by Jan4a View Post
    Am waiting for the new templates to start claiming £2,000 back from Halifaxicon for my brother.
    Feel free to claim for me aswell


  18. #18
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    Default Re: How much do they owe YOU??

    Feel free to claim for me aswell:grin:
    lol. OK then, send me your bank statements!


  19. #19
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    Default Re: How much do they owe YOU??

    Nationwideicon £2970 approximatley!


  20. #20
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    Default Re: How much do they owe YOU??

    Halifaxicon £12000 + 8%



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