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| | | | | | 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
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.
You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed.
To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.
Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | | 
16th May 2007, 19:47
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#1 (permalink)
| | Site Team |  We need your help folks! Re old T&Cs
I am looking for some old T&Cs (terms and conditions) please... does anybody have some hidden in a drawer or old cupboard?
Its quite important! 
Thanks for your help.
Crusher
please email whatever you have (preferably pdf) to alan@consumeractiongroup. co.uk
we now have an address to send your T&Cs... Consumer Action Group PO Box 7481 Derby DE1 0LE
__________________ HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE Capital One WON Link HERE GE capital (5 accounts) WON link HERE Lloyds bank account WON second claim starting! link HERE Budget insurance cough up WON link HERE Principles WON link HERE A&L (Mrs Crusher's account) claim link HERE Barclays claim link HERE Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer. IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!
Last edited by HSBCrusher; 3rd July 2007 at 01:35.
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16th May 2007, 20:18
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#2 (permalink)
| | Site Team | Re: We need your help folks! Re old T&Cs
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 ?????
__________________ Halifax ; First and easiest of the lot. Royal Bank Scot; 1 done 1 stayed Telewest Broadband.......Won ..after 2 bounced cheques and them running out of time. Barclays Business;.1 won Round 2 limitation hearing.DEC 08 Citi Cards.Stayed;Stay lifted -hearing FEB09 Default removals;Rbs stayed Virgin media; Judgement by default. Vanquis;Looking for the hidden charges !
Swinton Insurance-LBA sent.
Credit crunch softeners-spotted a bargain ? post it here;http://www.consumeractiongroup.co.uk...tted-good.html
Member of the Federation of Neatness Corp.
DONATIONS HELP US TO HELP YOU However large or small all go to ensuring that the site can continue in its fight for consumers.You can make a donation by paypal here;http://www.consumeractiongroup.c o.uk/donate.html
Advice offered by MARTIN3030 is without predjudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt ie; Cobbett Ltd. | |
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16th May 2007, 23:20
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#3 (permalink)
| | Site Team | Re: We need your help folks! Re old T&Cs
Bump!
__________________ HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE Capital One WON Link HERE GE capital (5 accounts) WON link HERE Lloyds bank account WON second claim starting! link HERE Budget insurance cough up WON link HERE Principles WON link HERE A&L (Mrs Crusher's account) claim link HERE Barclays claim link HERE Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer. IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN! | |
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16th May 2007, 23:22
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#4 (permalink)
| | Site Team | Re: We need your help folks! Re old T&Cs
Bump bump.
__________________ I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice. | |
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17th May 2007, 11:35
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#7 (permalink)
| | Site Team | Re: We need your help folks! Re old T&Cs
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"
__________________ HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE Capital One WON Link HERE GE capital (5 accounts) WON link HERE Lloyds bank account WON second claim starting! link HERE Budget insurance cough up WON link HERE Principles WON link HERE A&L (Mrs Crusher's account) claim link HERE Barclays claim link HERE Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer. IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN! | |
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17th May 2007, 13:01
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#8 (permalink)
| | Basic Account Customer | Re: We need your help folks! Re old T&Cs
no doubt you have it, but have mailed you HSBC personal banking T & C's off their website, publish date 2006
Last edited by cbrundle; 17th May 2007 at 13:27.
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17th May 2007, 17:25
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#9 (permalink)
| | Site Team | Re: We need your help folks! Re old T&Cs
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 If you have never done so, please read the site rules
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Claims
NatWest Claim 1 Won unconditionally August 2007
NatWest Claim 2 Statements received - on hold
NatWest Claim 3 LBA sent - on hold
Brighthouse Won unconditionally August 2007
Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)
Next Catalogue - Statements recieved
Clydesdale Financial Services Won unconditionally February 2008
Any opinions are without prejudice & without liability. Almost everything I know concerning the law I learned from this site.
You can e-mail me at steven4064 at consumeractiongroup.co.uk . However, please note, I will not give advice by PM or e-mail. Please send a link to your thread and I will do my best to answer there.
Last edited by steven4064; 17th May 2007 at 17:32.
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17th May 2007, 23:38
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#11 (permalink)
| | Site Team | Re: We need your help folks! Re old T&Cs
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 If you have never done so, please read the site rules
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Claims
NatWest Claim 1 Won unconditionally August 2007
NatWest Claim 2 Statements received - on hold
NatWest Claim 3 LBA sent - on hold
Brighthouse Won unconditionally August 2007
Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)
Next Catalogue - Statements recieved
Clydesdale Financial Services Won unconditionally February 2008
Any opinions are without prejudice & without liability. Almost everything I know concerning the law I learned from this site.
You can e-mail me at steven4064 at consumeractiongroup.co.uk . However, please note, I will not give advice by PM or e-mail. Please send a link to your thread and I will do my best to answer there.
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