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 Beyond six years

    Very interested to see the info about possible EXCEPTIONS to the statute of limitation.(6 year max time)
    Does anyone have any guidance or experience on this, you see my A & L account is 24 years old now, yes 24. In fact it started as a giro account untill A & L took over.
    I dont want to make any mistakes with this, so far I have sent my DPA and cheque, now waiting.
    Crumbs, maybe I could do this with Nat West and Halifaxicon too
    What do you think :?

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  2. #2
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    Spiceskull Authoritative Spiceskull Authoritative Spiceskull Authoritative Spiceskull Authoritative Spiceskull Authoritative Spiceskull Authoritative Spiceskull Authoritative Spiceskull Authoritative Spiceskull Authoritative Spiceskull's Avatar

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    Default Re: Beyond six years

    There is no limitation period when requesting a Full Disclosure Subject access requesticon under the Data Protection Act.

    For claims it is different, and banks are arguing that claims over six years old are statute barredicon - there are several claims in progress that are trying to break this argument down, but apart from a few that have claimed for six/seven years, none that I know of has been successful in a solely statute barred claim yet...so. watch this space (or many other spaces on the forums...)

    Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

    All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

  3. #3
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    Default Re: Beyond six years

    Your best bet is to just claim back 6 years for now, and when you have that safely in your hand, then you could try further back. There is quite a lot of discussion on the forum about the interpretation of the statute of limitationsicon, and until it is clearer, the advice is to make sure you stick to a claim going back 6 years.

    Nothing to stop you trying for the rest later.

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