Consumer Action Group envelope labels
You are part of a community of over 195,000 people. Let your bank know that you won't give in. Display one of our labels on your envelopes. Full description here
Sheet of 20 self-adhesive envelope labels £3.50 inc p&p
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Do your Internet search here Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
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Are you being threatened over debts more than 6 years old? This may be unfair
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The warranty may be an example of unfair trading
See our new Unfair Trading Guide Have you been defaulted?
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Would you like to clean up your credit file? Check it out | | | | | | Welcome to The Consumer Action Group and The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
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Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  |
7th December 2006, 22:19
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#7 (permalink)
| | Platinum Account Customer | Re: using mobile phones abroad The difference is that a penalty charge is where an instiution is penalising yu for not conducting yourself in the manner that they want you to, this penalty can only be the amount that it costs the institution and no profit can be made. This is called a punative charge and therefore charging someone £38 for a computer to go beep and occasionally send a letter is way over and above actual cost.
A phone call tarriff which is set out in a contract and agreed by both parties cannot be classed as unlawful as they are providing you with a service. Please have a read of the FAQs and case law, phone bills are not penalties but charges for services (unless of course they charge her a large amount for not paying the bill this then becomes a penalty charge).
Even in the case where a bank may charge you £20 a month for a premium account this cannot be claimed back as it is a charge for a service, not a penalty, thats the basic difference.
__________________ NatWest - I WON!!!! £2598.22 This is how BCW - I won This is how Intrum Jusititia for sister - We won! Here's how Contact for Lenses - I won This is how Please feel free to click the scales if you find my advice helpful!
Please remember look at the FAQS first!!!
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reg. office:- 923 Finchley Road,
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NW11 7PE
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