Potentially interesting and hopefully explosive thread. Subbing

Congrats Bella, you desreve the win. Well done to laiste.... pass this on... anyone in contact with her.

Subscribing to a wonderfully informative thread driven by two superb Ladies. well done

Thanks Rory, but should i just ignore them, take them to the county court to produce the evidence or continue to try and get the account wiped clean? thanks

Hello all, I have been in an extended letter writing campaign with capital one re:CCA. I have recently received a bogoff letter claiming amongst other things that provision of the current terms and conditions complies with section 78 of the CCA 1974 and that the agreement is properly executed. (see scan below) Obviously, what i have been sent is an application form which is very much precontractual. Can anyone advice as to the best course of action PLEASE!!

subscribing

subscribing

Hi Peter, thanks for your help thus far, but I am still waiting for this idea you or ayone else may have. Sorry work pressures have meant i am not on the banks case as much as i want to. thanks all the same clearmydebts

Thank you very much for your prompt reply, Any other ideas on how best to move forward anyone?

Hello All, I need some help please... Do these satisfy the CCA or is it just a precontract and as such not worth holding my breathe? thanks for all replies

I guess the information commissioner is the next move. You need to contact that office to report the non compliance. They could be toying with their licence Trying PMing one of the mods for more info

WHAT A MAN YOU ARE, WELL DONE!!!!! Such guts and such spineless defense. Wishing you the very best and let us hope the judge ses the banks concealment strategies for what they are. Did they thus tell the court what the scale of their charges are or will they be sending that in to the court?

Cank, come off the celebration and tell us the good news

Cank, This will be a landmark case that will move the issue of reclaiming our monies to another level. I for one wish you the best of luck and hope the judge sees the banks for what they are [EDIT] BEST OF LUCK!!!!!!!

Hello Cank, from the botom of my heart i wish you all the success that you desire. I believe it is time someone legally played the bank their game and won. With bated breathe i await to see the "I WON" message on the 27th.

Have you thought of opening another bank account and making your next payment through it? let Halifax do their worst if they can not take any charges from you this month.just a thought, hope it helps

Very well spoken Rich 44. If gbzstro had been that hip on his own accounting, he wont be on this forum to dish judgement. I strongly believe we all here are a collective help not a judge and jury panel. i will strongly advice Nickyandmidgets to contact her local council or CAB for advice IMMEDIATELY or better still PM one of the mods- Bankfodder or Martin himself and seek expert opinion. iam sure you will receive a sympathetic ear and high quality advice.

yes i believe so. late payment charges is part of what this site is dedicated to claiming back for you. I do not believe that you are able to wriggle out of the 3 or 4 year finance agreement you signed up to but you should be able to reclaim any late penalty charge. Byall means go for it.

Hello Folks, I banked with lloyds between 1997 & 2000. I have just discovered i can claim back my unfair charges which i believe will come to £+000.00 without interests. Can i claim for that period considering i have just recently realised that i could have claimed all these years/ Thanks for any advice