Try this guys http://www.consumeractiongroup.co.uk/forum/general-knowledge/35104-car-tax-how-do.html Save thread for westy as his claim is "live"

hee hee Im off out inc ardiff on sat I have a wickid outfit to wear - not for you boys eyes!!! anyway shall have a bday drink for you westy my sweets!!!! and some for dellars win!!! and some to wish Innocent good luck and some for me

unfortunatley - they have a track record of submitting AQ after the deadline so please dont get that excited - and I havent heard of a case where by a judge has thrown out a late submission!! Sorry to POYF!!! Never mind look at it this way the lastest they haev settled ids 33 days after an AQ submissions so at leadt you know you are getting closer to the end!!

Hello and Welcome First of all don’t panic - you will soon have your money back in your hands where it belongs!! Yes…you can claim back your charges, even if you were late paying, even if you went over your limit and even if your DD Bounced!!! Remember the banks have acted unlawful you haven’t!!! Before you start anything make sure you read the FAQs and as many threads as possible as there is a wealth of information on here!! Before you begin, make sure you start your own thread in the bank forum you are claiming against. Here you will have other “experts” who know how that particular bank reacts. As you have already posted this one, I assume you already know how to do that! First of all, if you haven’t already, you need to get hold on your statements. You do this by sending them SAR letter. Remember you can claim back for the past six years, including closed accounts, mortgage, credit cards, car finance, loan accounts and even accounts that are with Debt Collection Agencies and Bailiffs!!!! http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html If you already have your statements then you can start by sending them the Prelim letter. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month. If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me and I will be happy to help you. Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!! Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do! Hope this helps Good Luck

Hello and Welcome First of all don’t panic - you will soon have your money back in your hands where it belongs!! Yes…you can claim back your charges, even if you were late paying, even if you went over your limit and even if your DD Bounced!!! Remember the banks have acted unlawful you haven’t!!! Before you start anything make sure you read the FAQs and as many threads as possible as there is a wealth of information on here!! Before you begin, make sure you start your own thread in the bank forum you are claiming against. Here you will have other “experts” who know how that particular bank reacts. As you have already posted this one, I assume you already know how to do that! First of all, if you haven’t already, you need to get hold on your statements. You do this by sending them SAR letter. Remember you can claim back for the past six years, including closed accounts, mortgage, credit cards, car finance, loan accounts and even accounts that are with Debt Collection Agencies and Bailiffs!!!! http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html If you already have your statements then you can start by sending them the Prelim letter. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month. If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me and I will be happy to help you. Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!! Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do! Hope this helps Good Luck

Hello and Welcome First of all don’t panic - you will soon have your money back in your hands where it belongs!! Yes…you can claim back your charges, even if you were late paying, even if you went over your limit and even if your DD Bounced!!! Remember the banks have acted unlawful you haven’t!!! Before you start anything make sure you read the FAQs and as many threads as possible as there is a wealth of information on here!! Before you begin, make sure you start your own thread in the bank forum you are claiming against. Here you will have other “experts” who know how that particular bank reacts. As you have already posted this one, I assume you already know how to do that! First of all, if you haven’t already, you need to get hold on your statements. You do this by sending them SAR letter. Remember you can claim back for the past six years, including closed accounts, mortgage, credit cards, car finance, loan accounts and even accounts that are with Debt Collection Agencies and Bailiffs!!!! http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html If you already have your statements then you can start by sending them the Prelim letter. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month. If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me and I will be happy to help you. Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!! Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do! Hope this helps Good Luck

Why wont you answer me then. Ally sad Sob!

No worries lost. Who are you claiming aginst?

Hello and Welcome First of all don’t panic - you will soon have your money back in your hands where it belongs!! Yes…you can claim back your charges, even if you were late paying, even if you went over your limit and even if your DD Bounced!!! Remember the banks have acted unlawful you haven’t!!! Before you start anything make sure you read the FAQs and as many threads as possible as there is a wealth of information on here!! Before you begin, make sure you start your own thread in the bank forum you are claiming against. Here you will have other “experts” who know how that particular bank reacts. As you have already posted this one, I assume you already know how to do that! First of all, if you haven’t already, you need to get hold on your statements. You do this by sending them SAR letter. Remember you can claim back for the past six years, including closed accounts, mortgage, credit cards, car finance, loan accounts and even accounts that are with Debt Collection Agencies and Bailiffs!!!! http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html If you already have your statements then you can start by sending them the Prelim letter. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month. If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me and I will be happy to help you. Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!! Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do! Hope this helps Good Luck

Hello and Welcome First of all don’t panic - you will soon have your money back in your hands where it belongs!! Yes…you can claim back your charges, even if you were late paying, even if you went over your limit and even if your DD Bounced!!! Remember the banks have acted unlawful you haven’t!!! Before you start anything make sure you read the FAQs and as many threads as possible as there is a wealth of information on here!! Before you begin, make sure you start your own thread in the bank forum you are claiming against. Here you will have other “experts” who know how that particular bank reacts. As you have already posted this one, I assume you already know how to do that! First of all, if you haven’t already, you need to get hold on your statements. You do this by sending them SAR letter. Remember you can claim back for the past six years, including closed accounts, mortgage, credit cards, car finance, loan accounts and even accounts that are with Debt Collection Agencies and Bailiffs!!!! http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html If you already have your statements then you can start by sending them the Prelim letter. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month. If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me and I will be happy to help you. Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!! Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do! Hope this helps Good Luck

Hello and Welcome First of all don’t panic - you will soon have your money back in your hands where it belongs!! Yes…you can claim back your charges, even if you were late paying, even if you went over your limit and even if your DD Bounced!!! Remember the banks have acted unlawful you haven’t!!! Before you start anything make sure you read the FAQs and as many threads as possible as there is a wealth of information on here!! Before you begin, make sure you start your own thread in the bank forum you are claiming against. Here you will have other “experts” who know how that particular bank reacts. As you have already posted this one, I assume you already know how to do that! First of all, if you haven’t already, you need to get hold on your statements. You do this by sending them SAR letter. Remember you can claim back for the past six years, including closed accounts, mortgage, credit cards, car finance, loan accounts and even accounts that are with Debt Collection Agencies and Bailiffs!!!! http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html If you already have your statements then you can start by sending them the Prelim letter. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month. If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me and I will be happy to help you. Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!! Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do! Hope this helps Good Luck

Hello and Welcome Congratulations for posting in the correct forum, here you will have other “experts” who know how that particular this bank reacts. I have just finished my claim with this bank, but I decided to stick around to see if I help others like you who are just starting out with their claim to see if I can share anything to make your journey through this claim a bit better!!! Remember the banks have acted unlawful you haven’t!!! Well done for reading the FAQs and continue to read as many threads as possible as there is a wealth of information on here!! Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month. If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html When you have your statements then you can start by sending them the Prelim letter. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me to attract my attention and I will be happy to help you by answering on your thread. Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!! Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do! Hope this helps Good Luck

Hello and Welcome Congratulations for posting in the correct forum, here you will have other “experts” (I see dellar1 has already helped you - he smart that lad)who know how that particular this bank reacts. I have just finished my claim with this bank, but I decided to stick around to see if I help others like you who are just starting out with their claim to see if I can share anything to make your journey through this claim a bit better!!! Remember the banks have acted unlawful you haven’t!!! Well done for reading the FAQs and continue to read as many threads as possible as there is a wealth of information on here!! Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month. If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me to attract my attention and I will be happy to help you by answering on your thread. Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!! Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do! Hope this helps Good Luck

Hello and Welcome Congratulations for posting in the correct forum, here you will have other “experts” who know how that particular this bank reacts. I have just finished my claim with this bank, but I decided to stick around to see if I help others like you who are just starting out with their claim to see if I can share anything to make your journey through this claim a bit better!!! Remember the banks have acted unlawful you haven’t!!! Well done for reading the FAQs and continue to read as many threads as possible as there is a wealth of information on here!! Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month. If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me to attract my attention and I will be happy to help you by answering on your thread. Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!! Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do! Hope this helps Good Luck

So im werid now am I!!! Right how do I take back my rep points then!!! Mouse pointer hovering over "dodgy post" triangle!!!

Hello and Welcome Congratulations for posting in the correct forum, here you will have other “experts” who know how that particular this bank reacts. I have just finished my claim with this bank, but I decided to stick around to see if I help others like you who are just starting out with their claim to see if I can share anything to make your journey through this claim a bit better!!! Remember the banks have acted unlawful you haven’t!!! Well done for reading the FAQs and continue to read as many threads as possible as there is a wealth of information on here!! Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month. If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html When you have your statements then you can start by sending them the Prelim letter. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me to attract my attention and I will be happy to help you by answering on your thread. Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!! Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do! Hope this helps Good Luck

Stalker!!!

I got a bone to pick with you anyways........ You didnt answer my PM?

Hiya Hello and Welcome Congratulations for posting in the correct forum, here you will have other “experts” who know how that particular this bank reacts. I have just finished my claim with this bank, but I decided to stick around to see if I help others like you who are just starting out with their claim to see if I can share anything to make your journey through this claim a bit better!!! This is the usual rubbish that cobberts send out - and please try not to worry as Ive sen this sort of post from other members a 100 times before - its their way of scaring you!!!! There is nothing you need to do at this stage. the only time you have to send furthr info is if the court ask you - remember you are suing them not the other way around!! I doubt if it would get to the stage where the court will ask you for info but even if they do there are loads of info on here about it but we'll cross that bridge when we get there!! Remember the banks have acted unlawful you haven’t!!! Well done for reading the FAQs and continue to read as many threads as possible as there is a wealth of information on here!! Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month. If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me to attract my attention and I will be happy to help you by answering on your thread. Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!! Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do! Hope this helps Good Luck

Hello and Welcome Congratulations for posting in the correct forum, here you will have other “experts” (I see one has already found you)who know how that particular this bank reacts. I have just finished my claim with this bank, but I decided to stick around to see if I help others like you who are just starting out with their claim to see if I can share anything to make your journey through this claim a bit better!!! Remember the banks have acted unlawful you haven’t!!! Well done for reading the FAQs and continue to read as many threads as possible as there is a wealth of information on here!! Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month. If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me to attract my attention and I will be happy to help you by answering on your thread. Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!! Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do! Hope this helps Good Luck

I agre with you. there no harm in looking at it when the offer arrives through the post is there?

Hello and Welcome Congratulations for posting in the correct forum, here you will have other “experts” who know how that particular this bank reacts. I have just finished my claim with this bank, but I decided to stick around to see if I help others like you who are just starting out with their claim to see if I can share anything to make your journey through this claim a bit better!!! Remember the banks have acted unlawful you haven’t!!! Well done for reading the FAQs and continue to read as many threads as possible as there is a wealth of information on here!! Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month. If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me to attract my attention and I will be happy to help you by answering on your thread. Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!! Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do! Hope this helps Good Luck

Hello and Welcome Congratulations for posting in the correct forum, here you will have other “experts” who know how that particular this bank reacts. I see Milk tray has already answered this particular query for you!! I have just finished my claim with this bank, but I decided to stick around to see if I help others like you who are just starting out with their claim to see if I can share anything to make your journey through this claim a bit better!!! Remember the banks have acted unlawful you haven’t!!! Well done for reading the FAQs and continue to read as many threads as possible as there is a wealth of information on here!! Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month. If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me to attract my attention and I will be happy to help you by answering on your thread. Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!! Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do! Hope this helps Good Luck

Hello and Welcome Congratulations for posting in the correct forum, here you will have other “experts” who know how that particular this bank reacts. I have just finished my claim with this bank, but I decided to stick around to see if I help others like you who are just starting out with their claim to see if I can share anything to make your journey through this claim a bit better!!! My understanding is three seperate accounts still equals three seperate claims!! As you are looking at three different contracts!!! Remember the banks have acted unlawful you haven’t!!! Well done for reading the FAQs and continue to read as many threads as possible as there is a wealth of information on here!! Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month. If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me to attract my attention and I will be happy to help you by answering on your thread. Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!! Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do! Hope this helps Good Luck

Hello and Welcome Congratulations for posting in the correct forum, here you will have other “experts” who know how that particular this bank reacts. I have just finished my claim with this bank, but I decided to stick around to see if I help others like you who are just starting out with their claim to see if I can share anything to make your journey through this claim a bit better!!! Remember the banks have acted unlawful you haven’t!!! Well done for reading the FAQs and continue to read as many threads as possible as there is a wealth of information on here!! Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month. If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action. http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/5078-10-data-protection-act.html If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me to attract my attention and I will be happy to help you by answering on your thread. Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!! Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do! Hope this helps Good Luck