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. 11th March 2007 22:02 #1
    Teach57 Teach57 is offline
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    Default Office of Fair Trading (April Announcement)

    Hi Everyone,

    I was reading on Money Saving Expert site that the Office of Fair Trading are supposed to be making an announcement stating a figure that they feel the banks SHOULD charge us (and be classed as reasonable). The announcement is supposed to be made in April. Does anyone know how this will affect our chances of getting our money back? Or is there a thread on here that I have missed discussing this issue?

    I dare say that it will give more power to the banks as then they will offer us the difference between what we have been charged and what is deemed as 'fair' meaning that we will not get the full amount back. I would also have thought that it would be more likely for cases to go to court OR for Barclaysicon to wait until the last minute to pay up with more cases!

    Does anyone have any suggestions/views or profrssional knowledge that maybe of interesticon ?

    Thanks Teach57

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  2. 11th March 2007 22:03 #2
    NATTIE
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    Default Re: Office of Fair Trading (April Announcement)

    yes try not reading MSE

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  3. 11th March 2007 22:05 #3
    Spiceskull Spiceskull is offline
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    Default Re: Office of Fair Trading (April Announcement)

    Quote Originally Posted by Teach57 View Post
    Does anyone have any suggestions/views or profrssional knowledge that maybe of interesticon ?
    Yes - read this instead...

    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.
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  4. 11th March 2007 22:10 #4
    Teach57 Teach57 is offline
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    Default Re: Office of Fair Trading (April Announcement)

    Thank you Phoenix

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  5. 11th March 2007 22:18 #5
    Teach57 Teach57 is offline
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    Default Re: Office of Fair Trading (April Announcement)

    Thank for that link Phoneix it has put my mind at rest - I must admit it did have me scared about challenging the banks!

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  6. 11th March 2007 22:19 #6
    Teach57 Teach57 is offline
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    Default Re: Office of Fair Trading (April Announcement)

    Quote Originally Posted by NATTIE View Post
    yes try not reading MSE
    HAHA Ill try to remember that one in future!

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  7. 11th March 2007 22:20 #7
    NATTIE
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    Default Re: Office of Fair Trading (April Announcement)

    well, that is a bit spiteful by me, but they are good on a lot of things but the charges thing for them has only been going about 5 months and this site is over 12 months old and a lot of people experienced in claiming.

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  8. 11th March 2007 22:25 #8
    Spiceskull Spiceskull is offline
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    Default Re: Office of Fair Trading (April Announcement)

    Quote Originally Posted by NATTIE View Post
    but they are good on a lot of things
    Definitely, and certainly when it comes to saving money on lots of things...
    Quote Originally Posted by NATTIE View Post
    but the charges thing for them has only been going about 5 months
    ...ummm...I first joined CAGicon (or BAG as it then was) by reading our very own Dave's article on bank charges on MSE in Feb 2006...Marty has been a supporter of this site for a long time...at least he did used to be a supporter...
    Quote Originally Posted by NATTIE View Post
    this site is over 12 months old and a lot of people experienced in claiming.
    ...a lot more experience here...truckloads and truckloads...

    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.
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  9. 11th March 2007 22:28 #9
    Teach57 Teach57 is offline
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    Default Re: Office of Fair Trading (April Announcement)

    Quote Originally Posted by NATTIE View Post
    well, that is a bit spiteful by me, but they are good on a lot of things but the charges thing for them has only been going about 5 months and this site is over 12 months old and a lot of people experienced in claiming.

    I agree with you there - this site is far superior! The advice and support you get is second to none! I have been reading everything that I can get my hands on when it comes to bank charges as I feel that being forewarned is forearmed - and a thicko like me needs to read up because if it wasn't for this site I wouldn't have a clue where to start!

    Its nice to know that if you are unsure about what you've heard there's always a person/people that can assist! It is the single reason why people using the site should feel at least a little obligued to contributeicon once their claims come through, if not before!

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  10. 11th March 2007 22:31 #10
    NATTIE
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    Default Re: Office of Fair Trading (April Announcement)

    I should clarify the point on 5 months, i mean that they had a dedicated forum on claiming charges. I also read the article on MSE which brought me here to the CAGicon, which Dave wrote for that site

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