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Would you like to clean up your credit file? Check it out | | | | | | Welcome to the Consumer Forums Free advice and support to reclaim your bank charges or to solve other consumer problems. Welcome. You have just joined the Consumer Forums. Come here and introduce yourself. You will soon discover what a friendly place this is and get lots of hints about claiming your bank charges or dealing with other consumer rights. | Welcome to The Consumer Action Group and The Bank Action Group
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16th December 2006, 14:49
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| | Platinum Account Customer | Can't Find What You're Looking For? Here's A Complete A-z Index The forum is very confusing for some people and they are constantly asking where they can find letters and guides or for links to documents. Below is a complete A-Z index of the main stickys with their links. Please PM me or a Mod if you find any bad links or would like to add any other useful links If you are new to forums this thread will be invaluable: "How do I...?" A Dummies' Guide to this Forum It shows you how to: Create and Reply to a thread Quote and Mutiple Quote from another thread Subscribe to a thread Search the forums Report a post User control panel Settings & Options Finding a post/thread Posting links Send PM's (Private Messages) Attach documents Abuse of the Court System: How to Complain Complain about litigation behaviour of the bank's solicitors Account closures and extent of claim Frequently Asked Questions Account Closure: A & L Fined by FOS. How to Complain Alliance and leicester fined by FOS for retaliatory account closure Account in Dispute Letter Account_in_Dispute Advantage Gold & NatWest Charges Explained Advantage Gold and Unarranged Borrowing- A guide Allocation Hearing: Witness Statement Allocation hearing witness statement Allocation questionnaire Frequently Asked Questions Allocation Questionnaire - N149 on-line PDF Version http://www.hmcourts-service.gov.uk/c.../n149_1105.pdf Allocation Questionnaires - A guide to completion: N149 & N150 Allocation Questionnaires - A guide to completion Allocation Questionnaire - Draft directions order http://www.consumeractiongroup.c o....tionaires.html Allocation Questionnaires and Stays - Important Information http://www.consumeractiongroup.c o....ing-stays.html Allocation Questionnaire - Stays & Strike Out AQs - Stays & Strike out request Allocation Questionnaire - Dispensing With the AQ Is your court dispensing with the Allocation Questionnaire? Allocation Questionnaire - Dispensing With AQ: Action to Take New---after 28 Days - Maybe No Aq!!!!!!! Amending a Claim: Guide The "Claim Too vague" defence and guide to amending a claim Australian Penalty Fees Report http://www.govanlc.com/clcv20unfairfeesreport.pd f Australian Penalty Fees Report - Summary http://www.consumeraction.org.au/downloads/DL29.pdf Bailiffs, types of and their fees http://www.consumeractiongroup.c o....heir-fees.html Bank Account criteria chart Bank Accounts BANK ACTION GROUP FORUM ABBEY http://www.consumeractiongroup.c o....um/abbey-bank/ Cahoot http://www.consumeractiongroup.c o.uk/forum/cahoot/ ALLIANCE & LEICESTER http://www.consumeractiongroup.c o....nce-leicester/ BARCLAYS BANK http://www.consumeractiongroup.c o....barclays-bank/ Barclaycard http://www.consumeractiongroup.c o....m/barclaycard/ The Woolwich http://www.consumeractiongroup.c o.uk/forum/woolwich/ COOPERATIVE BANK http://www.consumeractiongroup.c o....perative-bank/ Smile http://www.consumeractiongroup.c o.uk/forum/smile/ HALIFAX BANK http://www.consumeractiongroup.c o....bank-scotland/ Intelligent Finance http://www.consumeractiongroup.c o....bank-scotland/ HSBC BANK http://www.consumeractiongroup.c o.uk/forum/hsbc-bank/ First Direct http://www.consumeractiongroup.c o..../first-direct/ HFC (Household) http://www.consumeractiongroup.c o....hfc-household/ LLOYDS BANK http://www.consumeractiongroup.c o....m/lloyds-bank/ NatWest BANK http://www.consumeractiongroup.c o..../natwest-bank/ THE NATIONWIDE http://www.consumeractiongroup.c o....um/nationwide/ ROYAL BANK OF SCOTLAND & BANK OF SCOTLAND http://www.consumeractiongroup.c o....scotland-bank/ YORKSHIRE BANK & CLYDESDALE BANK http://www.consumeractiongroup.c o....ydesdale-bank/ OTHER BANKS/INSTITUTIONS http://www.consumeractiongroup.c o....-institutions/ Capital One http://www.consumeractiongroup.c o....m/capital-one/ CitiCards http://www.consumeractiongroup.c o.uk/forum/citicards/ Egg http://www.consumeractiongroup.c o.uk/forum/egg/ MNBA http://www.consumeractiongroup.c o.uk/forum/mbna/ Mortgage Companies http://www.consumeractiongroup.c o....age-companies/ Store Cards http://www.consumeractiongroup.c o....m/store-cards/ BANK CHARGES IN PRINT FORUM http://www.consumeractiongroup.c o....charges-print/ Bank Charges - Guide to Reclaiming Guide To Reclaiming Bank Charges **##~~~~**##~~~~ Read This First !! Banking Code of Practice http://www.bankingcode.org.uk/pdfdoc...ING%20CODE.pdf Bank Survey http://www.consumeractiongroup.c o.uk/survey.php BANK TEMPLATES LIBRARY http://www.consumeractiongroup.c o....lates-library/ Bankruptcy: protracted realisation unit & bankrupts http://www.consumeractiongroup.c o....tion-unit.html Benefits ? Is the bank taking your http://www.consumeractiongroup.c o....-benefits.html Bill of Sales Bill Of Sales and repossession of goods Business Claim - FAQ's A guide to Business Claims Business version letter to your bank - Sample letter to your bank - business version CAG RADIO FORUM http://www.consumeractiongroup.c o.uk/forum/cag-radio/ Callcredit - Credit Report Application Form http://www.callcredit.co.uk/download/creditfileapp.pdf CAMPAIGN FORUM http://www.consumeractiongroup.c o.uk/forum/campaign/ Can I Claim Beyond 6 Years IMPORTANT Things You REALLY Need To Know Case guidance notes - bringing your case to court Case guidance notes - bringing your case to court Case Guidance notes - Going to court Case Guidance notes - Going to court Case Guidance notes - making a deal Case Guidance notes - making a deal. Case guidance Notes - making a familiarisation visit Case guidance Notes - making a familiarisation visit CASES LIBRARY http://www.consumeractiongroup.c o....cases-library/ Charges- Different Descriptions by the Main Banks http://www.consumeractiongroup.c o....tml#post867497 Cheap/free calls- if you are spending too much phoning banks Cheap/free calls- if you are spending too much phoning banks Civil Procedure Rules - and forms - a five star site ***** Civil Procedure Rules - and forms - a five star site ***** Comet http://www.consumeractiongroup.c o.uk/forum/comet/ Complaining – A Comprehensive Guide How to Complain - A Comprehensive Guide Complaints About Threads/Posts/Users http://www.consumeractiongroup.c o....ow+to+Complain Companies House - search for a company Companies House - search for a company Competition Commission. Essential report Competition Commission. Essential report Consumer Credit Act (1974) Consumer Credit Act (1974) and related Regulations Contact Details For Banks Contact Details For Banks Contracts (Rights of Third Parties) Act 1999 Contracts (Rights of Third Parties) Act 1999 Contractual Interest - Arguements For & Against key arguments for and against compound contractural threads Costs: Template Application Letter Application for costs Costs : Wasted Costs Order Wasted Costs order County Court fees and exemptions County Court fees and exemptions Court Bundle - Basic Basic Court Bundle Court Bundle -Advanced Advanced court bundle Court Bundle - Examples of Witness Statement, Document list etc Examples of Witness Statements / Disclosure by List / Draft Directions / Case Summary Court Bundle - Witness Statements Abbey Court Bundle & Witness Statement Lloyds Witness statement Court Bundle - Make Sure You Read This GOT A COURT DATE? Important, please read...... Court Bundle - Non-Compliance Template If Bank Fails to Submit Bundle http://www.consumeractiongroup.c o....tml#post485266 Court Buddy -Register as a http://www.consumeractiongroup.c o.uk/regbuddy.php Court Buddy - Find a http://www.consumeractiongroup.c o.uk/buddy.php Court Date - Advice READ THIS NOW if you have received a court date Court Date? - A Guide to Different Hearings GOT A COURT DATE? A guide to the later stages Court Guidance Notes http://www.consumeractiongroup.c o....uidance-notes/ Court Fees - Do you have to pay them? Court Fees - Do you have to pay them? Courts Service information and links to useful documents Courts Service information and links to useful documents Costs: Application For Costs in Small Claims Application for costs Credit Reference Agencies: Credit Report Application Forms http://www.callcredit.co.uk/download/creditfileapp.pdf http://www.experian.co.uk/downloads/consumer/cfa.pdf https://www.econsumer.equifax.co. u...ile%209-05.pdf Credit/Store Card Letter Template (thanks Bookworm01036) Credit/Store Card Letter Template (thanks Bookworm01036) Creditors and DCAs - Letter Templates & Budget Planner http://www.consumeractiongroup.c o....templates.html Letter A - Ask your creditors to hold action on your account Letter B - Ask your creditors to accept pro rata offers of payment on your debts Letter C - Ask your creditors to accept a token payment or no payment on your debts Letter D - When a creditor refuses your offer of payment Letter E - When a creditor refuses to freeze interest on your account Letter F - When a creditor has turned down an offer of payment, interest is still being added, and you want the creditor to take you to court. Letter G - When creditors have turned down an offer of payment, interest is still being added but you don’t want to go to court Letter H - When a creditor asks you to agree to a voluntary charge against your home Letter I - Request for a stay of execution in the High Court Letter J - Full and final settlement for any debt Letter K - Ask creditors to write off the debt due to your circumstances Letter L - Ask your creditors to reconsider if they refuse to write off the debt Letter M - Dispute your liability for a debt where a creditor has not contacted you for over six years Letter N - Ask your creditor for a copy of your credit agreement under the Consumer Credit Act 1974 Letter O - Mortgage shortfalls: Breakdown of balance owed Letter P - Mortgage shortfalls: Please write off the debt Letter Q - Mortgage shortfalls: Full and final settlement letter Letter R - Mortgage shortfalls: Lender should not pursue under CML policy Letter S - Inform your creditor that you are terminating your hire purchase/conditional sale agreement Currys http://www.consumeractiongroup.c o....currys-dixons/ CUTTING AND SOUNDFILES LIBRARY http://www.consumeractiongroup.c o....files-library/ CYNtheSYS - Clydesdale & Yorkshire Costs Breakdown Clydesdale, Yorkshire, Northern - the system - Whistleblower Data Controller , Find the address for the Find the address for the Data Controller Data Protection Act notice S10 - if you have been defaulted for unlawful penalties S.10 Data Protection Act notice - if you have been defaulted for unlawful penalties. Data Protection Act - Taking a Case to Court Data Protection Act - Taking a Case to Court Data Protection Act 1998 Data Protection Act 1998 Data Protection Act, Subject Access Request letter - List of charges http://www.consumeractiongroup.c o....s-library/516- Data Protection Act, S.A.R - (Subject Access Request) Automatic Letter Generator Data Protection Act - Subject Access Request Generator *** New *** Data Protection Act - Non-Compliance - Template Letters Data Protection Act - Non-Compliance - Template Letters Data Protection Act Non-Compliance - Particulars of claim Data Protection Act Non-Compliance - Particulars of claim 1-data-protection-act.html DCA’s Address & Contact Details http://www.consumeractiongroup.c o....t-details.html DCAs and Creditors - Letter Templates & Budget Planner http://www.consumeractiongroup.c o....templates.html Debt - A Glossary of Terms Debt - A Glossary of Terms DEBT ADVICE FORUM: General Debt, Bailiffs, Debt Colectors http://www.consumeractiongroup.c o....t-action-group Defaulted, I have been Frequently Asked Questions Defaults & Data Protection Issues http://www.consumeractiongroup.c o....efault-issues/ Defaults – A Removal Method & Template Letters http://www.consumeractiongroup.c o....d-removal.html Delayed Flight Compensation EU Delayed Flight Compensation EU Direct Debit Guarantee The Direct Debit Guarantee Directions Non-Compliance Letters Directions non-compliance letters Disability Discrimination Acts -1995 and 2005 Disability Discrimination Acts -1995 and 2005 Dixons http://www.consumeractiongroup.c o....currys-dixons/ DOCUMENTS LIBRARY - T & C's (Work in Progress) Document Library - WORK IN PROGRESS Donate to CAG via Credit/Debit Card or Paypal https://www.paypal.com/cgi-bin/webscr EMPLOYMENT PROBLEMS FORUM http://www.consumeractiongroup.c o....ment-problems/ Equifax - Your credit history and your rights explained Equifax - Your credit history and your rights explained Equifax - Credit Report Application Form https://www.econsumer.equifax.co. u...ile%209-05.pdf Exempt From Court Fees?. http://www.consumeractiongroup.c o....t.html?garpg=9 Experian - Credit reference agency Experian - Credit reference agency Experian - Credit Report Application Form http://www.experian.co.uk/downloads/consumer/cfa.pdf Extended Warranties Comments on Extended Warranties FAQs http://www.consumeractiongroup.c o....se-read-these/ Farepak, http://www.consumeractiongroup.c o.uk/forum/farepak/ Fast Track Guide Fast track and multi track Financial Ombudsman -Home Financial Ombudsman Service Financial Ombudsman -Bank Charges http://www.financial-ombudsman.org.u...quickgu ide.pdf Financial Ombudsman - Complaint Form FAQs about our complaint form Financial Ombudsman Financial Ombudsman - a recommendation Form N244 - application notice Form N244 - application notice FORUM RULES http://www.consumeractiongroup.c o....s-please-read/ Free alternative to Excel Free alternative to Excel Frequently Asked Questions Frequently Asked Questions FSA guidelines to credit scoring FSA guidelines to credit scoring FSA Register FSA Register GARAGE SERVICES FORUM http://www.consumeractiongroup.c o....rage-services/ GENERAL FORUM http://www.consumeractiongroup.c o.uk/forum/general/ GENERAL CONSUMER ISSUES FORUM http://www.consumeractiongroup.c o....nsumer-issues/ GENERAL KNOWLEDGE FORUM http://www.consumeractiongroup.c o....ral-knowledge/ Glossary Of Abbreviations Used In The Forums And The Chat Room Glossary Of Abbreviations GOGW – Gestures of Goodwill Have you had a GOGW refund off Abbey? GUIDANCE NOTES http://www.consumeractiongroup.c o....uidance-notes/ Guide to Reclaiming Bank Charges Guide To Reclaiming Bank Charges **##~~~~**##~~~~ Read This First !! Guide to This Forum "How do I...?" A Dummies' Guide to this Forum Harassment by telephone - response letter Harassment by telephone - response letter HELPFUL EXTERNAL LINKS LIBRARY http://www.consumeractiongroup.c o....xternal-links/ HELPFUL ORGANISATIONS LIBRARY http://www.consumeractiongroup.c o....organisations/ HOLIDAY COMPANIES FORUM http://www.consumeractiongroup.c o....day-companies/ IDENTITY THEFT FORUM http://www.consumeractiongroup.c o....dentity-theft/ I.T. Support http://www.consumeractiongroup.c o....m/i-t-support/ Independent Banking Advisory Service Independent Banking Advisory Service Information Commissioner – Data Protection Act The Information Commissioner - Data Protection etc Information Commissioner - Freedom of Information Act Information Commissioner - Freedom of Information Act INSURANCE/ASSURANCE COMPANIES FORUM http://www.consumeractiongroup.c o....nce-companies/ Interest calculation spreadsheets 6. Interest calculation spreadsheets Introduction to Bank charges Introduction to Bank charges Isle of Man Claims – Template Letters Isle of Man Template Letters Isle of Man - Statutes http://www.consumeractiongroup.c o....-isle-man.html IVA arrangements Frequently Asked Questions Judgement: How to Enforce How to enforce a Judgement. Judgement: How to get Paid Got A Judgment? How To Get Paid LANDLORDS/TENANTS FORUM http://www.consumeractiongroup.c o....lords-tenants/ Law Of Professional-Client Confidentiality: Update THE LAW OF PROFESSIONAL-CLIENT CONFIDENTIALITY: update LEGALITIES FORUM http://www.consumeractiongroup.c o....um/legalities/ Letter - Preliminary approach for repayment 2. Letter - Preliminary approach for repayment. Letter before action - Consumer version - asking for it back 3. Letter before action - Consumer version - asking for it back Letter - Notification of Settlement to the Court http://www.consumeractiongroup.c o....tml#post485266 Limitation Act 1980 The Limitation Act 1980 Liquidated damages and penalties - useful explanation Liquidated damages and penalties - useful explanation LITIGATION SECTION http://www.consumeractiongroup.c o....38&Item id=82 Lloyds v Berwick: View of the Judgement Lloyds "Victory" - A View of the Judgement McNamara BBC radio -Sept 2004- sound file & transcript Peter McNamara BBC radio -Sept 2004- sound file & transc Manx Claims – Template Letters Isle of Man Template Letters Mediation - Letter of Refusal Mediation - a bad idea MERCANTILE COURT FORUM http://www.consumeractiongroup.c o....t-cases-stays/ Mercantile Court Guide Mercantile Court Guide Moderators & Site Helpers: List of Our Site Support Team Money Claim - Getting it right http://www.consumeractiongroup.c o....tml#post614610 Money Claim On-Line (MCOL) Particulars of Claim 5. Money Claim On-Line (MCOL) Particulars of Claim Moneyclaim - start your County Court claim online Moneyclaim - start your County Court claim online Moneyclaim and hardcopy claim compared Moneyclaim and hardcopy claim compared Moneyclaim On-line Guide Her Majesty's Courts Service Mortgage Claims - Guide alanfromderby v Bristol & West ** OPERATION REVENGE 2007 ** M.P. - Template letter to your Template letter to your Member of Parliament M.P’s - List of (2005) UK Members of Parliament, 2005 - MP’s and Bailiffs http://www.consumeractiongroup.c o....-bailiffs.html N1 Claims form in .PDF format with form filling N1 Claims form in .PDF format with form filling N1 POC's for Abbey, A&L, Barclays, Co-op, Halifax, HSBC, Lloyds, NatWest, RBS, Yorkshire http://www.consumeractiongroup.c o....lates-library/ N1 POC's for Credit Cards: Abbey, Barclaycard, Capital One, Citicard, Co-op, Egg, Lloyds, MBNA, NatWest http://www.consumeractiongroup.c o....lates-library/ N1 POC's for Business Account: NatWest http://www.consumeractiongroup.c o....lates-library/ N1 - hard copy version - Particulars of claim 4. Particulars of claim - N1 - hard copy version N149 on-line PDF Version http://www.hmcourts-service.gov.uk/c.../n149_1105.pdf N244 - application notice Form N244 - application notice NHS FORUM http://www.consumeractiongroup.c o.uk/forum/nhs/ Northern Ireland Small Claims Guide and new NI online claims service Northern Ireland Small Claims Guide and new NI online claims service Notice of Discontinuance Directions non-compliance letters Notice of Issue. http://www.consumeractiongroup.c o.....html?garpg=11 On-line Calculator http://www.consumeractiongroup.c o....geinterest.php OFT Test Case FORUM http://www.consumeractiongroup.c o....38&Item id=82 OFT Test Case: Update 22.10.07 The Office of Fair Trading: Questions and answers for OFT test case announcement 26 July 2007 - updated 22 October 2007 OFT Test Case: POC's http://www.oft.gov.uk/shared_oft/bus...s-of-claim.pdf OFT Test Case: OFT POC's, The Bank's Defence, OFT Response etc OFT v Banks Documentation OFT Test Case: Info Links OFT/FSA/FOS Links to info on test case OFT Test Case: Advice on What to do OFT Test claim: What this means for you OFT v The Banks: Read This if You're Worried OFT v Banks - **Don't panic!!!** Office of Fair Trading Office of Fair trading - Unfair Terms in Contracts Office of Fair Trading - Credit Card Report Summary http://www.oft.gov.uk/shared_oft/rep...ts/oft842a.pdf EDM EDMDetails Other Stores http://www.consumeractiongroup.c o..../other-stores/ Parachute account?, Do you need a Do you need a parachute account? Package Travel, Package Holidays and Package Tours Regulations 1992 The Package Travel, Package Holidays and Package Tours Regulations 1992 PARKING / TRAFFIC OFFENCES FORUM http://www.consumeractiongroup.co.uk...ffic-offences/ Parking Tickets - Private: Everything You Need to Know Private Parking Companies/Charges - Advice Paper (everything you need to know) Parking Tickets - Private: Template Letters Private Parking Tickets - Template Letters New POC's for Bank Charges: Abbey, A&L, Barclays, Co-op, HSBC, Lloyds, NatWest,RBS & Yorkshire http://www.consumeractiongroup.c o....lates-library/ New N1 POC's for Credit Cards: Abbey, Barclaycard, Capital One, Citicard, Co-op, Egg, Lloyds, NatWest http://www.consumeractiongroup.c o....lates-library/ Particulars of claim - N1 - hard copy version 4. Particulars of claim - N1 - hard copy version PCWorld, http://www.consumeractiongroup.c o.uk/forum/pcworld/ Posts: How to make http://www.consumeractiongroup.c o....ake-posts.html PPI(Payment Protection Insurance) FORUM http://www.consumeractiongroup.co.uk...insurance-ppi/ PPI: Guide to Making a Claim PPI - Some Notes for Claimants.. Preliminary Approach Template Letter 2. Letter - Preliminary approach for repayment. Private Messages, Asking questions by http://www.consumeractiongroup.c o....stions-pm.html Private Messages, Receiving http://www.consumeractiongroup.c o....sages-pms.html Record your Internet telephone conversations with the Bank Record your Internet telephone conversations with the Bank Record your telephone conversations with the bank Record your telephone conversations with the bank Rejection of settlement offer Rejecting Offers Representation at Court Can someone else represent you in court? Right of Appropriation Letter - Stop bank from taking your money Right of Appropriation - Stop the bank from taking your money Rules of Engagement IMPORTANT Things You REALLY Need To Know Reputations http://www.consumeractiongroup.c o....ions-site.html RETAIL STORES FORUM http://www.consumeractiongroup.c o....stores-forums/ Sale and Supply of Goods Act 1994 Sale and Supply of Goods Act 1994 Sale and Supply of Goods to Consumers Regulations 2002 The Sale and Supply of Goods to Consumers Regulations 2002 Sale of Goods (Amendment) Act 1995 Sale of Goods (Amendment) Act 1995 Sale of Goods Act 1979 as amended The Sale of Goods Act 1979 as amended SOGA - Basic Rights Sale of Goods- basic guide to rights and obligations Scottish Small Claims Procedure - Act of Sederunt 2002 Scotish Small Claims Procedure - Act of Sederunt 2002 SCOTLAND FORUM http://www.consumeractiongroup.c o.uk/forum/scotland/ Scotland, £750 - £1500 IMPORTANT Things You REALLY Need To Know Scottish Civil Procedure - some tips from Govan Law Centre Scottish Civil Procedure - some tips from Govan Law Centre Scottish Court Service Scottish Court Service Scottish Limitation Period Extended Scottish Limitation period extended Scottish Procedure ~~# Scottish Procedure #~~ Settled Claims List lit settled.xls Litigation Section - View and print out litigation spreadsheets here Settlement letter to the Court http://www.consumeractiongroup.c o....tml#post487345 Site Map http://www.consumeractiongroup.c o.uk/forum/sitemap/ Small Claims Advice from The Citizens Advice Bureau Small Claims advice from the Citizens Advice Bureau Spreadsheet of Settled Claims Spreadsheet of Settled Claims Spreadsheet with interest 6. Interest calculation spreadsheets Spreadsheets: Vampiress' Google Spreadsheets VAMPIRESS'S CHAMBER OF "CONSUMER ACTI... Spreadsheet : Alternative to Excel Free alternative to Excel Spreadsheet: Mindzai's Excel Contractual Excel Contractual Interest Spreadsheet Spreadsheet: Online & Simple to Use iCalculate STATUTES LIBRARY http://www.consumeractiongroup.c o....tutes-library/ Statute Law Database Home - Statute Law Database Statement of Evidence - for Draft Direction Order New strategy for Allocation Questionnaires Stay: Application for removal of Application for removal of a stay Stay: Application for removal of: UPDATED Application for removal of a stay - UPDATED TO ACCOUNT FOR OFT TEST CASE Stay: Application for Removal on Hardship Grounds Allocation hearing witness statement Stays re: OFT Test Case - Info & Guidance ~~## Stays info and guidance ##~~ Stay: Hearing Bundle Bundle for stay hearing Stay: Skeleton Arguement Skeleton argument for stay hearing Stay: Credit Card claim: Letter of Objection Objection to stay on credit card claims STEP-BY-STEP INSTRUCTIONS Example Step-By-Step Instructions Guide to Reclaiming Bank Charges Guide To Reclaiming Bank Charges **##~~~~**##~~~~ Read This First !! STUDENTS FORUM http://www.consumeractiongroup.c o.uk/forum/students/ Supply of Goods and Services Act 1982 The Supply of Goods and Services Act 1982 Sale of Goods Act 1979 as amended The Supply of Goods and Services Act 1982 Sale of Goods Act: Guide to Consumer Rights Sale of Goods- basic guide to rights and obligations Tax on Interest http://www.consumeractiongroup.c o....rding-tax.html TELECOMS- MOBILE, FIXED & BROADBAND FORUM http://www.consumeractiongroup.c o....xed-broadband/ Terms & Conditions Document Library - WORK IN PROGRESS Theft (Amendment) Act 1996 Theft (Amendment) Act 1996 THIS SITE – QUESTIONS & ANSWERS FORUM http://www.consumeractiongroup.c o....s-suggestions/ Treasury Select Committee Minutes Treasury Committee - Bank Penalties Ulster banks under investigation Ulster banks under investigation Unfair Contracts Terms Act 1977 The Unfair Contracts Terms Act 1977 Unfair Terms in Consumer Contracts Regs. 1999 The Unfair Terms in Consumer Contracts Regs. 1999 User Guide & Contacts List http://www.consumeractiongroup.c o....acts-list.html UTILITIES: GAS, WATER, ELECTRICITY FORUM http://www.consumeractiongroup.c o....tricity-water/ VEHICLE RETAILERS AND MANUFACTURERS FORUM http://www.consumeractiongroup.c o....manufacturers/ Wasted Costs Order Wasted Costs order Wiki Consumer_Action_Group_Wik i Witness Statements Abbey Court Bundle & Witness Statement Lloyds Witness statement What Can I Claim For? Charges description on statements - Please Read When You Get Your Refund When You Get Your Refund WORD FROM THE BANKS FORUM http://www.consumeractiongroup.c o....um/word-banks/
Last edited by alanfromderby; 6th December 2007 at 17:21.
Reason: Updates from AFD
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