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. #1
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    Question Unlawful not Illegal

    Just a query. I think I read somewhere in here that bank charges are unlawful not illegal. What is the difference?

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    Go on ... you know you want to click me
    don't be like the banks - give a little back
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    In progress: Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06
    Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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    Default Re: Unlawful not Illegal

    I dont know for sure but I believe the difference is that one relates to criminal law and one to civil law, e.g. you couldn't involve the police in suing the bank because no crime has been committed. What they are doing is unlawful not illegal

    EDITED TO ADD:

    I just looked this up, the first answer I found was this.

    Q. Whats the difference between unlawful and illegal?

    A. Unlawful is against the law, illegal is a sick bird

    First Direct, £4031 Recovered
    Halifax, £953 Recovered
    MBNA Credit Card, £120 Recovered
    American Express, £160 Recovered

    Coming Soon......

    Blackpool Council, £190 in unlawful parking tickets
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  3. #3
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    Default Re: Unlawful not Illegal

    Quote Originally Posted by MondeoST24
    A. Unlawful is against the law, illegal is a sick bird
    LOL

    ..

    .

    Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.



  4. #4
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    Default Re: Unlawful not Illegal

    I once met a sick bird..........but that's another story.

    Alan, Derby, UK.



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  5. #5
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    Default Re: Unlawful not Illegal

    L M A O

    Go on ... you know you want to click me
    don't be like the banks - give a little back
    There was a time before CAG but now CAG is here we are the empowered!
    In progress: Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06
    Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

  6. #6
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    Default Re: Unlawful not Illegal

    Quote Originally Posted by alanfromderby
    I once met a sick bird..........but that's another story.
    me wife had one drop on her .... but that's another story too lol

    Go on ... you know you want to click me
    don't be like the banks - give a little back
    There was a time before CAG but now CAG is here we are the empowered!
    In progress: Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06
    Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

  7. #7
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    Default Re: Unlawful not Illegal

    Is this turning into a bird flu thread!!

    Alan, Derby, UK.



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    _________________________ _______

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    DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

    Advice given is purely my opinion, and is not based on any legal training.

  8. #8
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    Default Re: Unlawful not Illegal

    Quote Originally Posted by alanfromderby
    Is this turning into a bird flu thread!!
    as long as its lawful!!

    Go on ... you know you want to click me
    don't be like the banks - give a little back
    There was a time before CAG but now CAG is here we are the empowered!
    In progress: Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06
    Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

  9. #9
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    Default Re: Unlawful not Illegal



    reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.
    reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.
    reload vs Capital One - £456.57 Settlement Reached 14/07/06.
    reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

    Lloyds Bank - The Template Response Letters!

    Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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    Default Re: Unlawful not Illegal

    not sure the distinction matters. The charges are not rendered unlawful/illegal by application of the various regulations and statutes and cases we rely on - they are rendered unenforceable


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    Default Re: Unlawful not Illegal

    Quote Originally Posted by mechs
    as long as its lawful!!
    Don't know about lawful... It's certainly awful...

    Apologies to people who I was in the process of helping, I may be gone some time.

  12. #12
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    Default Re: Unlawful not Illegal

    Quote Originally Posted by Bookworm
    Don't know about lawful... It's certainly awful...


    Go on ... you know you want to click me
    don't be like the banks - give a little back
    There was a time before CAG but now CAG is here we are the empowered!
    In progress: Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06
    Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.


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