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 un1boy v Co-Op (Credit Card) **SETTLED IN FULL**

    Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

    *If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

    My charges claims:
    un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

    Default removals:
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  2. #2
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    Default Re: un1boy vs Co-Op (Credit Card)

    Received this letter today from the CC people:

    Dear Mr. Un1boy

    Thank you for contacting us recently to let us know you are unhappy with our service or products.

    I am sorry to hear that we have not met the high standards that we both expect, and naturally we want to put things right as soon as possible. To do this we need to investigate the matter thoroughly.

    I can asuure you that we will be looking in to your complaint as a matter of urgency and will be aiming to restore your faith in the service we provide. One of my colleagues from our Customer Relations Team will be in touch with you by telephone or letter within the next 7 days. If more time is needed to resolve your query, we will let you know within the next week whent o expect a response from us. In the mean eime, I have attached information about our complaints procedure for you tor ead.

    I would like to take this oppertunity to thank you for bringin this situation to our attention and please continue to tell us if you are unhappy in the future.

    If you have any more question, please ring us on the number above and speak to one of our advisers.

    Signed Andrew Swinley - Head of Customer Service
    ____

    What a load of codswollop! They aren;t for a start having more time and they will certainly be hearing more from me over the next few weeks telling them how unhappy I am with them!! haha

    Any ideas whether I should reply and say that I want all coreespondence in writing, not telephone? Or shoudl I just tell them if they phone o put it in writing?

    Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

    *If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

    My charges claims:
    un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

    Default removals:
    un1boy v Equifax - Default removal
    un1boy vs Experian - Default removal

  3. #3
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    Default Re: un1boy vs Co-Op (Credit Card)

    OK, no more corres about this so lbaicon sent today!! Woohoo!!

    Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

    *If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

    My charges claims:
    un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

    Default removals:
    un1boy v Equifax - Default removal
    un1boy vs Experian - Default removal

  4. #4
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    Default Re: un1boy vs Co-Op (Credit Card)

    Hiya, received this letter yesterday:

    __________

    Dear Un1boy

    Account number: xxxx and xxxxx

    Thank you for your recent correspondance. I am sorry you have had to write to us.

    I can appreciate that you are unhappy with the charges that have been applied to your accounts. As you are aware, the charges are valid and in line with the terms of your accounts.

    After reviewing your accounts, I can confirm the total charges of £90.00 and £220.00 have been refunded to your accounts as a gesture of goodwillicon on this occasion only. This will appear as a credit on your next statements.

    I hope this meets with your approval. However if you have any further enquires please do not hesitate to contact customer blah blah blah
    ___________

    so, the long and short of it is I've won!!!!!

    now, do I leave it at that, or should I write and ask for my costs towards the DPA request and recorded delivery too?! lol.

    Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

    *If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

    My charges claims:
    un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

    Default removals:
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    un1boy vs Experian - Default removal

  5. #5
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    Default Re: un1boy v Co-Op (Credit Card) **SETTLED IN FULL**

    Congratulations un1boy. Looks like you are doing well with your claims.

    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
    SIGN THE PETITION TODAY



    What's Best for You?


    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.

  6. #6
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    Default Re: un1boy v Co-Op (Credit Card) **SETTLED IN FULL**

    Thanks Caro - yes, I am doing ok. How are all your claims going?

    Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

    *If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

    My charges claims:
    un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

    Default removals:
    un1boy v Equifax - Default removal
    un1boy vs Experian - Default removal


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