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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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.
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 |  | |
4th May 2006, 18:14
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#1 (permalink)
| | Basic Account Customer | Ricky vs Woolwich I was reading abt claiming money back from my bank and thought id try as in the last 6 years i have lost at least £4000 in charges(i think).
so i got the Data Protection Act letter template from this site and sent it to woolwich office on 25th April. with a blank cheque for £10.
On the 4th of May i revieved a letter back for Barclays data protection.
In the letter they said in the first paragraph that there not under obligation to supply me with a list of charges that i requested. But they did say that it could be worked out from statement copies that they will send to me without charge and the cheque i sent was enclosed.
At the end of the letter they go on to say that they will charge me £10 to (what i think) work out my charges. is this right???
They also say that they dont record details of charges. at least thats what i think they mean
Any way am waiting for statements to come through.
Hope i get my money back and am sure itll be loads.
Was wondering if its a bit over £5000 should i only claim for £5000 as i gather its a different process to claim more than £5000.
Thanks for all the advice and i will keep you posted..
Ricky  |
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4th May 2006, 18:21
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#2 (permalink)
| | Site Team | Re: Ricky vs Woolwich It's the same process - just makes you a little more vulnerable to charges in the unlikely event that you lose. It is still only a maximum of £500 though for claims below £10,000.
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Alan, Derby, UK. Help keep this site open by buying one of these great resources: Postage £1 - Delivery in the UK only. Click on the above link to place your order - payment by Paypal. _________________________ _______ Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member. 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. |
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16th May 2006, 19:35
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#5 (permalink)
| | Site Team | Re: Ricky vs Woolwich Send a Data Protection Act request under your name, giving all the details you know. It is not a problem that the account is closed - or that there is an outstanding balance - however, please remember that they will probably deduct this from any settlement. Please can you post about the Lloyds/TSB claim in that forum.
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Alan, Derby, UK. Help keep this site open by buying one of these great resources: Postage £1 - Delivery in the UK only. Click on the above link to place your order - payment by Paypal. _________________________ _______ Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member. 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. |
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18th May 2006, 19:46
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#6 (permalink)
| | Basic Account Customer | Re: Ricky vs Woolwich I have just got home and on the floor was a nice little letter from open plan.
I rang them 2 days ago to ask for a list of charges incured to my account and they sent them dated and everything in 2 days!!!
I am still waiting for the statements to arrive from Data Protection Act and wonder if they ever will. Think they have about 10 days left of the 40!!
According to the letter i got from openplan they owe me only £660 from charges.
I checked bank details on computer and it seems to be right. i am still going to check it out when the statements arrive as i have little faith in there honesty!
Also if they was to forget to add a few charges im sure they would make the ones older than a year dissapere because they must know on a comp you can only check back 1 year..
Am going to write the first letter to bank now and ask for the £660 back. When the statements arrive i will do a proper check and see al is correct.
(Funny how Open plan could supply me with details in 2 days yet it takes the Data Protection Act forever!!!)
Have yet to send a letter to Lloyds TSB to find that missing account bu will do as them 3 years were the time i incured most charges.
Do i need to get my old account number before writing a Data Protection Act request first????
Thank you. you are being gret help..
Will keep ya posted |
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18th May 2006, 19:49
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#7 (permalink)
| | Site Team | Re: Ricky vs Woolwich Quote: |
Originally Posted by ricky young Do i need to get my old account number before writing a Data Protection Act request first???? |
No, but make sure you give them all the information they need - I would perhaps consider sending a copy of ID as well.
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Alan, Derby, UK. Help keep this site open by buying one of these great resources: Postage £1 - Delivery in the UK only. Click on the above link to place your order - payment by Paypal. _________________________ _______ Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member. 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. |
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18th May 2006, 20:00
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#9 (permalink)
| | Site Team | Re: Ricky vs Woolwich Send both addresses and tell them you are not sure which one the account was registered at. If you provide your name, date-of-birth, and proof of identity, they should have enough. It is possible they may ask for further confirmation of ID at a later stage - once they find the account.
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Alan, Derby, UK. Help keep this site open by buying one of these great resources: Postage £1 - Delivery in the UK only. Click on the above link to place your order - payment by Paypal. _________________________ _______ Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member. 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. |
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9th June 2006, 19:47
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#15 (permalink)
| | Basic Account Customer | Re: Ricky vs Woolwich Yeah e.g: - Halifax plc Your Address Customer Relations P/O Box 548 Leeds LS1 1WU. Friday, 09 June 2006 Ref: Roll Number Dear Sir/Madam Over the past six years, my account has been charged £1297.00 for exceed my overdraft etc. It has come to my attention that this is unlawful at common law, and under statute and recent consumer regulations.
In the terms of the contract, which you agreed to at the time that I opened my account, it is implied that you will conduct yourselves in a manner, which complies with UK law. I require full repayment of these charges, which has calculated at £1297.00, interest of £312.83 (8% APR), current postage charges £9.90 (x2 Special Delivery letters @ 4.95 each) and a £5.00 charge for Halifax having to produce a statement of charges. The total cost as at the 09/06/2006 is £1623.83. I also ask you to remove any default notices on my credit record that are related to these charges. A
correction or amendment to the entries is not acceptable.
If Halifax does not comply fully within 14 days, I shall begin a claim for the full amount, plus interest and costs, plus a claim under ss.7 and 13 of the Data Protection Act 1998 without further notice.
Furthermore, I shall submit to the OFT a complaint under the Consumer
Credit Act 1974 upon the basis that Halifax has failed to comply with their
direction of 5 April 2006 and are therefore should not be holding consumer credit license under the 1974 Act.
Yours faithfully Adam Banbury. |
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9th June 2006, 22:00
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#16 (permalink)
| | Site Team | Re: Ricky vs Woolwich Quote: |
Originally Posted by ricky young Thanks for the tip but i have tried everything and there is no way that i could fit what this site say i need to say in that little box on the claim site no matter how i try to arrange it. is it possible for you to paste what you put in the box,please? if i cant do it online will have to go by way of letter.. is the template on here exactly what i must say? | Have you used the guide from this site: Quote:
You have a contract with the defendant bank dated XXXX and which is conducted on their standard terms and conditions. You are claiming the return of money taken by the defendant in the way of charges over the last xx years plus the interest they have levied on those charges. The bank's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. Further, as a disproportionate penalty they are invalid under the Unfair (Contracts) Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999. Para.8 and sch.2(1)(e). In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15.
You have repeatedly asked the bank to justify their charges but they have declined to do so.
| This is a guide not a template, but you should be able to put something based on this that fits in the box on moneyclaim.
__________________ 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. "Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly) www.unsubscribe-me.org www.LOVEstoke.org |
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