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.
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
Yes I am going to be spending my weekend looking in the Garden shed....the Attic and down the sofa !!!
Ask everyone you know.
Business owners...........we know you dont like to throw stuff away.....maybe amongst your old accounts you have some of these ?????
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GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
Would it be possible for people to use this in their S.A.R - (Subject access request) by inclusion of I would request that you also include information relating to all the terms and conditions that have been applicable to my account since (date).
I could be wrong but, if the bank are relying on the T&C argument, then you as a customer are within your rights to request that information, since it relates to the actual contract at any given point in time.
Indeed, you are correct.
But we are collecting these as some banks are likely to argue they have to provide data rather than information...
A database of T&Cs should help.
We must try and "cover all bases"
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
I have Nat West Business account T&Cs for 2001 and Cahoot Credit Card and Current A/C T&Cs from 2004 - do you want me to scan them?
Steven
Steven
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My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Just a thought. I have had a Natwest current account for 32 years and when I opened it they didn't make these charges, they certainly wren't in the T&Cs (not that I have a copy!). If they charge now, aren't THEY in breach of contract?
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
Oh the wonders of the internet. Check out Internet Archive: Wayback Machine. I've managed to track down various copies of A & L T&Cs and Rates and Charges tables going back to Oct 2001. Interestingly in Apr 06 their T&Cs had a section headed 'The Rates and charges information'. The current T&Cs from Apr 07 now shows 'Our Rates and Fees Information'
Interestingly in Apr 06 their T&Cs had a section headed 'The Rates and charges information'. The current T&Cs from Apr 07 now shows 'Our Rates and Fees Information'
lol.
I have had a look at that site, it's good.
Thanks for mentioning it... if it has a user's TCs then they can get it right away.
I'll post it somewhere prominent.
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
In the suggested draft directions that we send under the new aq strategy, doesn't the first item:
a) Pursuant to what contractual provision such charge was made, producing a copy of the contractual document relied upon;
mean that the bank has to produce a copy of the T&Cs that apply to our account and that applied at the time it was opened? Could we change the wording to make that absolutely clear?
This would mean that a repetition of the Lloyds case could only occur if the bank did not fulfil the requirements of the order, in which case they would lose by default anyway, provided of course that the DJ used this order or one like it.
Steven
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Hi All,
Just managed to download IF t & c from 2005 (PDF if anyone is intersted). Had a quick glance thru it, there is no mention of any service costs just fees and charges. Is this a good thing?
I am trying to find the ones for when i opened the account in 2001 to see if they have changed much.
We need your help folks! Re old T&Cs
) please... does anybody have some hidden in a drawer or old cupboard?
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Originally Posted by monkeyboy65
