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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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Dads Natwest reclaiming


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Hi all again,

Been awhile since I've been on here, hospitals don't have the best of wifi's.

I sent Natwest a SAR for my dad so we can have a look at doing his package account.

They sent back a letter not long after asking what information he wanted.

I'll upload the letter so everyone can see

I'm not sure what to post back.

I used the SAR from the library.

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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seems like they simply want sigs that are not photocopied or scanned over.

 

 

in the reply pointout you wish all data they hold on you

 

 

but with specific focus on XX account

but NOT limited to this sole account.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hmm, well now that is a new stalling tactic.

 

 

Dear Nat West,

 

Your Letter Reference : 12345678

My Subject Access Request Dated : -

 

I am in receipt of your letter dated 31st March 2015, in response to my DSAR request dated DATE.

 

I do not understand your response. My Subject Access Request was indeed very specific, I require all data in connection with the account(s) I have/have held with you.

 

I would therefore appreciate you fulfilling your obligations in providing me with ALL data as requested and within the time frame laid down by the regulator.

 

Yours etc.

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Uploading documents to CAG ** Instructions **

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2: Does your Bank play fair - You can force your Bank to play Fair with you

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4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks dx,

 

It's a bit rich that coming from the bank that for years has sent my dad letters with the sign printed...

 

Will this be ok to send?

 

Private and Confidential

Subject Access Request Team

Ground Floor

Business House B

PO Box 1000

Edinburgh

EH12 1HQ

 

 

Date: 13/04/2015

 

Account number: 00000000

 

SAR Ref: 000000000

 

 

Dear Sir/Madam

 

We are in receipt of your letter dated 31st March 2015 concerning the above account. To answer your question, we wish for you to supply us with copies of all the data which you hold on us in relation to any matter and in any form and for any period of time.

 

Please note that this Subject Access Request requires specific focus on the account number mentioned above but is NOT limited to that sole account. We have signed and enclosed your letter of authorisation.

 

Yours Sincerely,

 

Dad & Mum names Printed

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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You don't need to put "private and confidential" – why on earth would you need it?.

 

The rest of your letter is perfectly correct – but you should add that their request is completely irregular. A subject access request is clearly a request that all personal data – and the 40 day counter is already running and that you will lodge a complaint if they breach their duty in anyway.

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Hi Bankfodder,

 

I copied and pasted there address and forgot to take it out. I've updated the letter, please let me know if I should change anything else.

 

Letter:

 

Dear Sir/Madam

We are in receipt of your letter dated 31st March 2015 concerning the above account. We are at a loss to your irregular request. A Subject Access Request is a request for all personal data, you do not need a breakdown.

 

We wish for you to supply us with copies of all the data which you hold on us in relation to any matter and in any form and for any period of time.

 

This Subject Access Request requires specific focus on the account number mentioned above but is NOT limited to that sole account. We have signed and enclosed your letter of authorisation.

 

Please note that the 40 day timescale started when you received our Subject Access Request on the 17th March 2015. If you fail or breach your duty in anyway, we will lodge a formal complaint against you.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Thanks dx,

 

It's a bit rich that coming from the bank that for years has sent my dad letters with the sign printed...

 

Will this be ok to send?

 

Private and Confidential

Subject Access Request Team

Ground Floor

Business House B

PO Box 1000

Edinburgh

EH12 1HQ

 

 

Date: 13/04/2015

 

Account number: 00000000

 

SAR Ref: 000000000

 

 

Dear Sir/Madam

 

We are in receipt of your letter dated 31st March 2015 concerning the above account. To answer your question, we wish for you to supply us with copies of all the data which you hold on us in relation to any matter and in any form and for any period of time.

 

Please note that this Subject Access Request requires specific focus on the account number mentioned above but is NOT limited to that sole account. We have signed and enclosed your letter of authorisation.

 

Yours Sincerely,

 

Dad & Mum names Printed

 

Thanks

Andrew

 

Does not surprise me with this bank, I am still receiving info from my original request in Aug 2014 :roll::-o

 

As advised, request all data that is held under the said name giving them 40 days to respond with details from the date of your submission.

 

Good Luck as you will need it.

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Hi Bankfodder,

 

I copied and pasted there address and forgot to take it out. I've updated the letter, please let me know if I should change anything else.

 

Letter:

 

Dear Sir/Madam

We are in receipt of your letter dated 31st March 2015 concerning the above account. We are at a loss to your irregular request. A Subject Access Request is a request for all personal data, you do not need a breakdown.

 

We wish for you to supply us with copies of all the data which you hold on us in relation to any matter and in any form and for any period of time.

 

This Subject Access Request requires specific focus on the account number mentioned above but is NOT limited to that sole account. We have signed and enclosed your letter of authorisation.

 

Please note that the 40 day timescale started when you received our Subject Access Request on the 17th March 2015. If you fail or breach your duty in anyway, we will lodge a formal complaint against you.

 

Thanks

Andrew

 

Should do the trick :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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A Subject Access Request is not a request for all personal data unless you specifically request that.

 

 

If you didn't request this in your initial letter then Natwest are correct to put your request on hold until you inform them of what personal data you actually want.

 

 

They are also correct to require a wet signature in order to verify your dad's identity and ensure that nobody else gets their hands on his personal data

(when Natwest send your dad letters with scanned signatures they do so because it's more personal, not so that your dad can verify their identity).

The 40 days won't start until you confirm these two things - they are just complying with the Data Protection Act - neither of these are stalling tactics.

 

In order to speed up the process why not just do as asked in their most recent letter: sign and return the signature form and then phone the SAR team to explain what information you want.

 

Also what is the point in stating you want all personal data and stating you want specific focus on a particular account

but at the same time you also want them to look at all other accounts. It's contradictory and doesn't really make sense.

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Id be mighty peeved if someone could get money out of my account by producing a photocopy of my signature. It needs to be original in order to prove its the correct person asking for the required info.

 

As said above, you don't need to confirm the banks id so therefore they don't need an original signature.

 

Some peoples thought processes absolutely amaze me.

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I'd inc a ctax bill copy or something too

next they'll ask for ID

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi all again,

 

My dad got a letter from natwest a few days ago, i'll upload the letter so everyone can see. I'm not sure what to respond with.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Dear Ms Allan.

 

 

I have now written to you on more than one occasion requesting the data I am entitled too under an SAR

 

 

I am finding the continued obstruction by you and your bank rather annoying.

 

 

To make things perfectly clear, I want all the data, within the request, that you hold .

 

 

I have no wish whatsoever to limit this to a 'set of date limited statements'.

 

 

The SAR dictates I am entitled to my dat and numerous other banks have complied without question.

 

 

I hereby give you 14 days from the date of this letter to comply

or I will be complaining to the ICO and/or latterly instigating court proceedings should you fail.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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add - failing which you will consider that it is a deliberate breach of their statutory duty.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi xd,

 

I'm not to sure were I should add that comment in, this is what I've got so far. Also does my mum & dad need to sign this letter?

 

Letter:

 

Account number: 00000000

 

SAR Ref: 000000000

 

 

Dear Ms Allan

 

We have now written to you on more than one occasion requesting the data we are entitled to under a Subject Access Request.

 

We are finding the continued obstruction by you and your bank rather annoying.

To make things perfectly clear, we want all the data, within the request, that you hold.

 

 

Any further failure will be viewed as a deliberate breach by NATWEST of their statutory duty under the Act.

 

We have no wish whatsoever to limit this to a 'set of date limited statements'.

The Subject Access Request dictates we are entitled to our data and numerous other banks have complied without question.

 

We hereby give you 14 days from the date of this letter to comply or we will be complaining to the ICO and/or latterly instigating court proceedings should you fail.

 

 

 

Yours Sincerely,

 

 

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Id be mighty peeved if someone could get money out of my account by producing a photocopy of my signature. It needs to be original in order to prove its the correct person asking for the required info.

 

As said above, you don't need to confirm the banks id so therefore they don't need an original signature.

 

Some peoples thought processes absolutely amaze me.

 

 

I'd agree with you if the SAR was asking for the information to be sent to a different address. But the SAR is asking the bank to send it to the address on file. So the bank thinking it's a [problem] doesn't make sense to me.

 

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Hi xd,

 

I'm not to sure were I should add that comment in, this is what I've got so far. Also does my mum & dad need to sign this letter?

 

Letter:

 

Account number: 00000000

 

SAR Ref: 000000000

 

 

Dear Ms Allan

 

We have now written to you on more than one occasion requesting the data we are entitled to under a Subject Access Request.

 

We are finding the continued obstruction by you and your bank rather annoying.

To make things perfectly clear, we want all the data, within the request, that you hold.

 

 

Any further failure will be viewed as a deliberate breach by NATWEST of their statutory duty under the Act.

 

We have no wish whatsoever to limit this to a 'set of date limited statements'.

The Subject Access Request dictates we are entitled to our data and numerous other banks have complied without question.

 

We hereby give you 14 days from the date of this letter to comply or we will be complaining to the ICO and/or latterly instigating court proceedings should you fail.

 

 

 

Yours Sincerely,

 

 

 

Thanks

Andrew

 

 

adjusted

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

yes, a request for 'all' data as is defined. no need for someone to specify. the cag template has some indicators, but is for them to send 'all' data. if thats what you asked for.

if they dont know what that means!

if they havent complied within the stat period, then they are already in breach.

what did yr initial request say?

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I think your request was pretty explicit in that you required ALL data ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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