please note my comments where in no way to be confused with being racist. I am not !!!! I am trying to point the finger at how the government(establishment) works in this country and those where just a few things that I had read recently which brought it to bear... what I do feel however that we should be standing up and being counted for what is right. what is right should be a democratic view not just the view of rich people hiding in nice houses or holidaying on private islands, getting driven around in gas guzzling cars all paid for by the taxpayer. we should have more of a right to decide how and what our money is spent on. this country is being brought to its knees by lots of factors... but how long will it be before we snap.... poll tax, council tax ( how long before police tax, ambulance tax, fire service tax individually so they can all go up individually) , congestion charging, motorway tax, petrol duty, flying taxes, oxygen tax( could be on its way) has our population gotten so big that we need all these taxes to pay for it.... I think not, I feel the rich are getting richer and the poor are getting poorer to pay for it.... for 1 tiny moment i felt that forums such as cag was giving some of us the right to fight back and helped with the tools needed to do it, only for the rug to be pulled from under us by the establishment.... as has been discussed this has far more implications than charges from banks , it is about a way of life that we are increasingly becoming fed up with,,,, we need to stand shoulder to shoulder for what is right.... of the billions of money banks make each year how many people is that divided up too.....???? sorry but i felt it was time for a rant

what is the answer to all this?????? there is a great deal of speculation flying around and nobody can be sure what the outcome will be, one thing I do now is that if we do not get a favourable response then we should take to the streets in our millions and force this god forsaken country to listen, how long is it going to be before we end up with a civil war on our hands.... we can not continue in this opressed regime... this country is being run by large institutions.... it is all about money... I have read recently that illegal immigrants leave the country get a £3500 windfall to set up a business back home.... they use the money to return and then ask for another £3500.... I know families who have lived here all their lives that only get that to live on for one whole year.... I have also heard how true I dont know that migrant workers claim child tax credits over here for children they dont have back home... and because our system is so old and there is no investigations possible they get away with it...... why do I feel a victim ????? I have worked all my adult life as have many people I know and unless you are one of the very few on decent wages your standard of living is ridiculously low..... any ideas would be greatly appreciated..............

if they are able to stop all current cases until end of test case, why do they not stop there charges until the end of the test case?????????????????????????????????????????????????????

do you happen to know how much to have setanta in business premises and through which provider as I can not find anywhere....

if the council had not been sending bills for 10 years and then realised and sent a bill for the last 10 years... they sent the backdated bill 6 months ago... how many years should they be able to charge her for... is it 6 years from when she first received bill...

hi a friend of mine is being chased by the council for 10 years of backdated council tax.... they own a pub and live above they have been paying for the pub but have never receive a bill for the domestic premises above. then one day they received a bill for 10 years backdated????? does anyone know if they can do this is this???? I hear thing such as statute barred and limitations act but does anyone know if this is worth fighting.... any advice would be a great help.... as it is putting major pressure on the small business and the stressed owner.....

hi bizby I can not find another supplier who will offer the football package in pubs other than sky ?????? sky seems to have monopoly

Hi everyone I would like to setup a thread or a forum to where , small to medium size businesses can share information relating to the monopoly sky tv has on its business customers. Sky has just increased its prices by approx 11% which for some publicans means a rise of anything from £50 -£200 per month. The bandings in which sky operates means the smallest pubs with one or 2 TV's pay disproportianate amounts compared to huge pubs with vast numbers of TV's. Pubs lose money if they do not have football on TV. The smoking ban has hit lots of business but small pubs already have a hard time keeping their head above water. This increase is the final straw. The strength this forum has in numbers is amazing and I feel this is another fight worth fighting.... please pass this thread to all your local publicans and maybe we can get a few law people on here to look at this ridiculous pricing structure SKY tv operates..... any advice would be much apprecaited...

subscribing , how cool what happens if you cancel direct debit. will they chase if they have not got cca...

should I cancel the direct debit....? jeff

subscribing great thread.... if we get stronger do you think we could ask for weekly pay back.... he he ... I am certain there where less problems back then??? this is getting bigger and is already hitting the far east and america.... when will the law change and the fat cats start their diets?????

Hi yes I sent numerous letters requesting cca they have told me now 3 times by letter they have not got copy... I have paid £14900 of a £16000 loan which was increased to £19000 by PPI which as been refunded....What should I be now saying or requesting... there last letter claimed they were not legally obliged to provide copy but just to inform me of the details of the loan... pretty sure this is not true... What template letter should I send and what can I ask for????

Hi guys sorry to hijack the thread but I am in similar position... I have a loan with nawest and they have just , very quickly refunded PPI I had paid on the loan... when I dug a little deeper they told me they did not have signed copy of cca... am I right in thinking they should now give me all the interest paid on the loan.... What can i claim back I owe about another 4 years on the loand which is made up of about £1000 plus all the interest.... what form of attck is there for this I have asked for signed copy and they have stated they are not obliged too... they just have to give me the details from it... as they would not ever offer interest free loans... Is there any case law that you know of to back this up and is there a template letter?????

Hi this is my thread for PPI but I will add my cca issue to it http://www.consumeractiongroup.co.uk/forum/ppi/101235-natwest-pay-up.html

Hi guys sorry to hijack the thread but I am in similar position... I have a loan with nawest and they have just , very quickly refunded PPI I had paid on the loan... when I dug a little deeper they told me they did not have signed copy of cca... am I right in thinking they should now give me all the interest paid on the loan.... What can i claim back I owe about another 4 years on the loand which is made up of about £1000 plus all the interest.... what form of attck is there for this I have asked for signed copy and they have stated they are not obliged too... they just have to give me the details from it... as they would not ever offer interest free loans... Is there any case law that you know of to back this up and is there a template letter?????

hi honest do you have copy of letter you sent to financial ombudsman????? would be much appreciated

interesting thread

egg said no to compensation for account closure anyone have letter draft to send to fso about retaliatory closure?????????

cheers my letters are already in the post I was just wondering if I never got favourable response what should I send too fso????? cheers sue

thank you sue , what did you send to FSO

hi all I just thought I would give people some up beat news about claiming PPI... This case is a little different as they can not find our agreement.. THey have refunded all the PPI over £3000 and cancelled PPI so loan payments are somewhat less... I have now sent letter claiming back all interest as they can not provide me with a copy of agreement they can not enforce loan... therefore they can only claim back amount of loan minus all interest... I hope I have got this right... I will post on this thread their response.... good luck to you all

hi I can not find a template letter for retailatory closure can anyone point me in right direction.... do you send copy to fso and to bank ????

Hi I have been chasing natwest for mis sold ppi which it looks like they are going to pay back, however they can not provide me with a copy of original agreement. does this loan now become un enforceable ! I know I will have to pay original amount of loan but should I be claiming all the interest back .... any advice would be very welcome

Hi has anyone else got a hearing against banks in liverpool court on 3rd July Namely (barclays) ????????????

Hi why dont we try and spread the word and try and all try and open accounts with the best bank... I have read some glowing reports on first national bank. If anybody else has suggestions then please add here. If we all make this move and tell family and friends to do the same then maybe just maybe we will achieve something out of all this....