Jump to content


  • Tweets

  • Posts

    • just to clarify my point look at page 5 the right hand side black line to the right of the sig box is missing that sig info has clearly been copied and pasted by lowells on to that set of t&c's and if you look at other vanquis card CCA returns here on cag for that same set of T&C there has never been that box there anyway   Exhibit_NA1_(1).pdf
    • > they keep piling on charges and CRS are now chasing me for over £100. My membership was/is £9.99 a month. > So....am I at fault? Do I need to pay? You are not at fault. It is entirely their fault for making this whole process so difficult, and I'd love to seem them argue otherwise against any British judge. Have you ever met any other company who makes it this difficult to cancel a subscription? Probably not! Because it's a (sort of) legal grey-area. You owe them nothing. In what world does it make sense to charge a customer £90 for cancelling their (£9.99/mo) membership less than a month early? What other reputable company would do this? Nobody. This is not legally enforceable!     X4L/Harlands/CRS/Zinc are all part of the same group, and they all have absolutely zero legal power over you. They are not bailiffs. Nothing will happen to your credit and nobody will show up at your door. They will never dare take you to court, because they know that they stand no chance, but they might try to scare you. Pay no attention to this. You might get a few annoying emails/texts/phone calls, but do not answer nor reply to any of these - if you do, you're just giving them more to feed on. These people prey on vulnerable people who get fooled into thinking they're in the wrong. Ignore any and all communication with these scumbags.   Feel free to check out similar threads from 2010-2016 about X4L/Harlands/CRS/Zinc on this forum, you'll notice that every OP stopped replying after so long because these cowboys gave up on trying to steal money from them after they realised that they wouldn't budge. Their whole business is based on stealing money from innocent people. You'll be fine! Good luck. Keep us updated!    
    • looks like you still paid for ppi. {£236.03}   unravelling the crap in the letter it looks like your can make a PPI reclaim directly to welcome even though they were not GISC regulated, they are saying the underwriters were, but they cant say whom they were, but from other threads here it should be easy to work that out if needs be    so you had a loan of £2269.44 of which 236.03 was PPI   so ppi/loan*100=ppi%   236.03/2269.44*100=10.4%   so anything you paid 10.4% of it was for ppi so statint sheet time      
    • bang shot yourself in the foot why did you mention PPI in the sar request?  
    • Thank you for your response Eric's Brother. I have been out of the country and was told about this on my return. It is not clear yet whether the Company have paid this PCN. They have a flawed policy of paying these and asking questions later, even deducting the money from the employees wages if they don't get a response from the employee within a certain time limit. They couldn't have got a response from my daughter as she too was away on holiday which is why she lent her car to my son. I'm not sure this policy is legal ?. Anyway, I'm getting sketchy information in dribs and drabs. My son was visiting Wrexham for a one off event so is unable to get pictures of the car park signage or the ticket machine. I will get the image supplied by Parking Eye and post it up on here. Sorry for the incomplete information so far, but that's what I'm getting. Kids eh ?...no sense of urgency.
  • Our picks

jdes26

Bank Charges- Donation Fund

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3261 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi everyone

 

THIS thread is about asking every member and i mean every member thats 230000 of us to donate £1 for a court costs fighting fund for bank charges

 

I want every member to reply with a simple yes

thats over 230000 of us

 

AND IF THIS IS GONA WORK a site team member can get an account numb and sort code will be provided so the £1 can be deposited

 

so for now all im asking is for a yes response to see if all our members could possibly donate

 

The cag is the best site on the net and has help 1000,s of people many many and i am one of them

This is our chance to help them and all of us to beat the mighty "BANKS"

 

LETS TRY AND DO THIS

  • Haha 1

Share this post


Link to post
Share on other sites

Yes ;)


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

Share this post


Link to post
Share on other sites

Yes:D


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE

11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

12) SOGA SUMMARY CLICK HERE

13) WHICH? TEMPLATES [/url]CLICK HERE

14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE

15) EVERYTHING HOUSING CLICK HERE

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTSCLICK HERE

18) OFCOM - COMPLAINTS CLICK HERE

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site

 

Please let us know how your problem has been resolved, it could help fellow Caggers

Share this post


Link to post
Share on other sites

yes


srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

Share this post


Link to post
Share on other sites

Whilst I admire you effort from a practical perspective, it is not going to be easy to open a new bank account, never mind one that is for fighting the banks.

 

In the meantime, I suggest that sums are paid in the normal way to CAG, I have just made a donation accordingly.

 

Maybe the sums could be ring fenced by CAG for taking up the bank charges issue again. I am sure a member of the site team will be along to advise on whether they even wish to consider this.


If I have been helpful please click on my star and add a comment.

Share this post


Link to post
Share on other sites

I've already posted this on a related thread but feel that the more caggers that see it the better.

 

 

The idea of a 'Fighting Fund' is obviously a good idea but getting caggers to donatelink3.gif is going to need a miracle I suspect.

 

Have a look at this thread by Bankfodder....

 

CAG toolbar - very disappointing

Share this post


Link to post
Share on other sites

Morning all,

 

Count me in...it's a 'yes' from me! (I've always wanted to be able to say that!)

 

Regards

 

Dougal


Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

Share this post


Link to post
Share on other sites

Yes


omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

Share this post


Link to post
Share on other sites

NO .......... sorry just couldn't resist it. I can resist anything bar temptation....

 

You should ask Lloyds TSB after all they are the bank that like to say YES


HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

However, if you have found any advice you have been given helpful.

Why not show your gratitude And

Click the * on the post you found helpful.

Share this post


Link to post
Share on other sites

That's a YES from me too .......... and it would be a lovely irony to have a fund in a bank which is for the purpose of screwing the banks ....... for a change ..... LOL ! :D

 

But , as I said on another site ...... any funding needs to be ring-fenced to service only the funds to allow claimants to take their claims to a higher court . The banks are relying on people not being willing to risk money to move their claims along ..... which means they're terrified that the Small Claims Court would be inundated with claims if one made it through ....... so they're trying to price the little people out of the courts ....disgusting , obnoxious , reprehensible behaviour ..... as usual ... :evil:

Edited by johnnymitch

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Share this post


Link to post
Share on other sites

Ok that's 19 replies so we have £19 we need all members 260000....... So we need 260000 replies,posts, yes!!! This is a start so spread the word more replies...... Let's get this campaign moving and show the banks we meen bloody buisness!!!!!!!!!!

Share this post


Link to post
Share on other sites

How do we get "all members" to look at this thread and realise how important this is...... I'm not begging for funds I'm telling people that this is a way of funding higher court claims and sending a clear message to banks saying U CANT SCARE US ANYMORE!!!!! So members how can we let everyone know????????

Share this post


Link to post
Share on other sites

We need eveyone!!!!!!!!!!!!!!! On cag

Share this post


Link to post
Share on other sites

Think you need admin on board then they can do announcements, press and articles if they decide to go for it. Have you spoken with admin? There isn't really a clear idea of what the money is intended for ? Is it to bail a one man band claimant out if he loses ? or for something a bit more organised like a representative action ? To gain the interest it needs spelling out as its all a little vague.

Share this post


Link to post
Share on other sites

This fund will be for people who are to scared about the financial implications on the light of the news that bank charges claims are now being moved to higher courts....... As the financial risk of losing are high this fund will support people in there challenge to reclaim therebank charges

Share this post


Link to post
Share on other sites

Okay so you need to state that clearly, and what types of cases it will be used to support - anyone who continues in a bank charges case, or selected cases which are assessed by ?solicitor/site team/barrister etc? as having a good (better than average?) chance of success (remember the arguments are quite individual now).

 

As example -we have seen people putting in claims on the CCA arguments which have no charges after April 2007, or even the account was closed before then...

 

Do you see what I mean? I'm not trying to put any spanners in the works but I think that will be why interest in donating will not be very high, as things stand it is too vague, and you do not appear to have admin behind the idea as yet.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...