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. 28th September 2006 14:10 #1
    stevie70 stevie70 is offline
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    Default signed banks agreement...... * WON *

    ulster bank owe me 3000 they have paid me out 2000 and asked me to sign agreement that this is in Full and finalicon acceptance of all claims i have against ulster bank for bank charges which i foolishly signed. will this definetly rule me out of making another small claimicon against the ulster bank?

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  2. 28th September 2006 14:17 #2
    closey closey is offline
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    Default Re: signed banks agreement......

    Can you type up exactly what you signed?

    Lloyds TSB - £972
    S.A.R, prelim and LBA sent
    Claim acknowledged
    Defence received
    AQ 20/06/06
    ***FULL SETTLEMENT RECEIVED 20/07/06***

    Woolwich - £2288
    S.A.R, prelim and LBA sent.
    Offered half
    Moneyclaim filed online 02/08/06
    Judgement filed online 23/08/06
    WARRANT FILED ONLINE 30/08/06
    MONEY RECEIVED BY BALIFF 04/10/06
    ***FULL SETTLEMENT RECEIVED 09/10/06***

    Smile - £175
    Pelim 23/06/06
    ***FULL SETTLEMENT RECEIVED 07/07/06***

    My Ex vs Woolwich - £715
    S.A.R sent 30/08/06
    Pelim 06/10/06
    LBA 20/10/06

    Advice & opinions provided are personal, and not endorsed by CAG or BAG, 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. 28th September 2006 14:23 #3
    stevie70 stevie70 is offline
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    Default Re: signed banks agreement......

    closey havnt got letter with me but says that they are willing to offer me the full amount as long as i do not tell a third party about it and also that the offer is not an acceptance of liability on their behalf. is also says that the payment is a Full and finalicon settlement of all claims i have against the ulster bank in respect of bank charges.any advice would be greatly apprecieated.

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  4. 28th September 2006 14:32 #4
    Karnevil Karnevil is offline
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    Default Re: signed banks agreement......

    If it said in Full and finalicon settlement of all claims against ulster bank then yes you cant claim against them again for any outstanding claims. You can, of course, claim again if they start charging you again.

    If it said in full and final settlement of this claim you can.

    rule: dont signicon stuff - write your own letters for future ref.

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  5. 28th September 2006 14:33 #5
    Karnevil Karnevil is offline
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    Default Re: signed banks agreement......

    oh and if you signed confidentiality agreement - that also means you cant tell anyone about it.

    Including CAGicon.

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  6. 28th September 2006 15:41 #6
    zootscoot zootscoot is offline
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    Default Re: signed banks agreement......

    Sorry to disagree, but for any agreement to be binding in English law each party to the agreement must provide what is termed 'consideration'. This simply means something of value in the eyes of the law. With these offers in Full and finalicon settlement your consideration consists of a promise not to sue for the remainder. However, the bank does not provide any consideration because they are only giving back what in law belongs to you. The law does not enforce onesided promises. In order to establish that they have provided consideration they would have to prove that the charges were lawful.... which isn't going to happen.

    So both F & F agreements and confidentiality agreements are not worth the paper they are written on! - Unless made by deed

    Zoot

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