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    • be very wary upon what you see being recently posted on here 😎 regarding KIH.... all is not what it seems...  
    • 1st - all my posts on CAG are made not only in reply to the specific issue the topic starter makes but also in a general matter to advise any future readers upon the related subject - here it is kings interhigh online school. KIH lets take this topic apart shall we so readers know the real situation and the real truth...and underline the correct way to deal with KIH. https://tinyurl.com/ycxb4fk7 Kings Interhigh Online School issues - Training and Apprenticeships - Consumer Action Group - but did not ever reply to the last post.  but the user then went around every existing topic here on CAG about KIH pointing to the above topic and the 'want' to make some form of group  promoting some  'class action' against KIH . then on the 2nd march this very topic this msg is in was created. all remarkably similar eh? all appear to be or state..they are in spain... ....as well as the earlier post flaunting their linkedin ID, (same profile picture) that might have slipped through via email before our admin killed it.., trying to give some kind of legitimacy to their 'credentials' of being 'an honest poster'....oh and some kind of 'zen' website using a .co.uk  address (when in spain- bit like the Chinese ebay sallers) they run ... and now we get the father of the bride ...no sorry...father of a child at the uk-based international school in question posting ...pretending to be not the 'other alf... do you really think people are that stupid..... ................... nope you never owed that in the 1st place... wake up you got had and grabbed the phone - oh no they are taking me to court under UK jurisdiction...and fell for every trick in the book that they would never ever put in writing that could be placed in front of a court operating under their stated uk jurisdiction wherever you live. T&C's are always challengeable under UK law this very site would not exist if it were not for the +£Bn's bank charges reclaiming from 2006> and latterly the +£Bn's of PPI reclaiming both directly stated in the banks' T&C's were they claimed they were legally enforceable ...not!! they lost big time... why? a waste of more money if you've not got a court claim....... why not use them for a good outcome...go reclaim that £1000 refundable deposit you got scammed out of . people please research very carefully ...you never know who any of these people are that are posting about kings interhigh and their 'stories' they could even be one of their online tutors or a shill . don't get taken in. dx      
    • @KingsParent thank you for sharing your experience.  I also tried contacting the CEO but didn’t get very far. Do you mind sharing his contact details?  kind regards   
    • Thank you Rocky for the clarifications though they did cause a problem at first since an original windsccreen ticket was  of a different breach some time before. The current windscreen ticket only states that you were parked there for 6 minutes which is just one minute over the minimum time allowed as the Consideration period. There is no further proof that you parked there for any longer than that is there? More photographs for example? Moving on to the Notice to Keeper-it does not comply with the Protection of Freedoms Act 2012 Schedule 4. First there is no parking period mentioned on it. there is the time 20.25 stated which coincides with the W/S ticket but a parking period must have a starting and finishing time-just one time is insufficient to qualify as a parking  period as required in Section 9 [2] [a] . Are there any different photos shown on the NTK comapared to the w/s PCN? Not that that would make a difference as far as PoFA goes since the times required by PoFA should be on the NTK but at the moment Met only appear to show that you stayed there for 6 minutes. Another failure to comply with PoFA is at S9([2][e] where their wording should be "the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; ". You can see on your NTK that they misssed off the words in brackets. Met cannot therefore transfer the charge from the driver to the keeper. Only the driver is now liable. Then their is the discrepancy with the post code on the NTK  HA4 0EY which differs from the post code on the contract and the Post Office Postcode Finder which both list it as HA4 0FY. As you were not parked in HA4 0EY the breach did not occur. In the same way as if you were caught speeding in the Mall in London, yet you were charged with speeding in Pall mall London [a street nearby] you would be found not guilty since though you were speeding you were not speeding in Pall Mall. I bow to Eric's brother on his reasoning on post 12 re the electric bay abuse  That wording is not listed on their signs nor is there any mention on the contract of any electric charging points at all let alone who can park there or use them. He is quite right too that the entrance sign is merely an invitaion to treat it cannot form a contrct with motorists. Also the contract looks extremely  short no doubt there will be more when we see the full Witness statement. As it stands there is no confirmation from Standard Life [or Lift !] on the contract that Savills are able to act on their behalf. Also most contracts are signed at the end of the contract to prevent either side adding extra points. So their percentage  chance of winning their case would be somewhere between 0.01 and 0.02.    
    • Owners of older vehicles tell the BBC of their anger that their cars' apps will stop working.View the full article
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Can't Find What You're Looking For? Here's A Complete A-z Index


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Recommended Posts

The forum is very confusing for some people and they are constantly asking where they can find letters and guides or for links to documents. Below is a complete A-Z index of the main stickys with their links.

 

In addition there is the ConsumerWiki A -Z here:

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/123374-consumerwiki-z-index.html

 

 

Please PM me or a Mod if you find any bad links or would like to add any other useful links

 

If you are new to forums this thread will be invaluable:

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

It shows you how to:

 

Create and Reply to a thread

Quote and Mutiple Quote from another thread

Subscribe to a thread

Search the forums

Report a post

User control panel

Settings & Options

Finding a post/thread

Posting links

Send PM's (Private Messages)

Attach documents

 

 

 

Abuse of the Court System: How to Complain

http://www.consumeractiongroup.co.uk/forum/campaign/97712-complain-about-litigation-behaviour.html

Account Closures: What to do

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/106950-what-do-if-your.html

Account Closure: A & L Fined by FOS. How to Complain

http://www.consumeractiongroup.co.uk/forum/general/63646-alliance-leicester-fined-fos.html

Account in Dispute Letter

Account_in_Dispute

Advantage Gold & Natwest Charges Explained

http://www.consumeractiongroup.co.uk/forum/natwest-bank/27521-advantage-gold-unarranged-borrowing.html

Allocation Hearing: Witness Statement

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/115059-allocation-hearing-witness-statement.html

Allocation questionnaire

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html?garpg=9

Allocation Questionnaire - N149 on-line PDF Version

http://www.hmcourts-service.gov.uk/courtfinder/forms/n149_1105.pdf

Allocation Questionnaires - A guide to completion: N149 & N150

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

Allocation Questionnaire - Draft directions order

http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html

Allocation Questionnaires and Stays - Important Information

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/78216-important-info-regarding-stays.html

Allocation Questionnaire - Stays & Strike Out

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/78216-aqs-stays-strike-out.html

Allocation Questionnaire - Dispensing With the AQ

http://www.consumeractiongroup.co.uk/forum/general/80091-your-court-dispensing-allocation.html

Allocation Questionnaire - Dispensing With AQ: Action to Take

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/78873-new-after-28-days.html?highlight=dispensed

Amending a Claim: Guide

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/47344-claim-too-vague-defence.html

Australian Penalty Fees Report

http://www.govanlc.com/clcv20unfairfeesreport.pdf

Australian Penalty Fees Report - Summary

http://www.consumeraction.org.au/downloads/DL29.pdf

 

Bailiffs

Bailiffs - Consumer Wiki

BAILIFFS AND SHERIFF OFFICERS FORUM

http://www.consumeractiongroup.co.uk/forum/baliffs-sheriff-officers/

Bailiffs, types of and their fees

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/33623-types-bailiffs-their-fees.html

Bailiffs: Letter to Refer A/c Back to Council

Bailiffs: Council Tax Template Letter

Bailiffs: Certification

Bailiffs: Check a Bailiffs Credentials

Bailiffs: Code of Practice

Bailiffs: Code of Practice

Bailiffs: Complaints

Bailiffs: Complaint about Certified Bailiff

Bailiffs: Stop Council Tax Enforcement

Bailiffs: Council Tax - Stop Enforcement

Bailiffs: Council Tax Template Letter

Bailiffs: Council Tax Template Letter

Bailiffs: Fees

Bailiffs: Detailed Assessment of Fees

Bailiffs: Get the Bailiff to Pay Off Your Debt

Bailiffs: Get The Bailiff to Pay Off Your Debt

Bailiffs: Invalid Walking Possession

Bailiffs: Invalid Walking Possession?

Bailiffs: Irregular Distress

Bailiffs: Irregular Distress

Bailiffs: Letter to Hand to the Bailiff

Bailiffs: Letter for Council Tax Bailiff at Your Door

Bailiffs: Complaints

Bailiffs: Make a Complaint About a Certified Bailiff

Bailiffs: Declaration of Ownership of Goods

Bailiffs: Ownership of Goods

Bailiffs: Paying During Removal of Goods

Bailiffs: Paying During Removal of Possessions

Bailiffs: SAR

Bailiffs: Subject Access Request

Bailiffs: Various Template Letters

Bailiffs: Useful Template Letters

Bailiffs: Valid Walking Possession?

Bailiffs: Valid Walking Possession

Bailiffs: Know Your Rights

Bailiffs: What They Can & Can't Do

Bank Account criteria chart

Bank Accounts

BANK ACTION GROUP FORUM

ABBEY

http://www.consumeractiongroup.co.uk/forum/abbey-bank/

Cahoot

http://www.consumeractiongroup.co.uk/forum/cahoot/

ALLIANCE & LEICESTER

http://www.consumeractiongroup.co.uk/forum/alliance-leicester/

BARCLAYS BANK

http://www.consumeractiongroup.co.uk/forum/barclays-bank/

Barclaycard

http://www.consumeractiongroup.co.uk/forum/barclaycard/

The Woolwich

http://www.consumeractiongroup.co.uk/forum/woolwich/

COOPERATIVE BANK

http://www.consumeractiongroup.co.uk/forum/cooperative-bank/

Smile

http://www.consumeractiongroup.co.uk/forum/smile/

HALIFAX BANK

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/

Intelligent Finance

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/

HSBC BANK

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/

First Direct

http://www.consumeractiongroup.co.uk/forum/first-direct/

HFC (Household)

http://www.consumeractiongroup.co.uk/forum/hfc-household/

LLOYDS BANK

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/

NATWEST BANK

http://www.consumeractiongroup.co.uk/forum/natwest-bank/

THE NATIONWIDE

http://www.consumeractiongroup.co.uk/forum/nationwide/

ROYAL BANK OF SCOTLAND & BANK OF SCOTLAND

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/

YORKSHIRE BANK & CLYDESDALE BANK

http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/

OTHER BANKS/INSTITUTIONS

http://www.consumeractiongroup.co.uk/forum/other-institutions/

Capital One

http://www.consumeractiongroup.co.uk/forum/capital-one/

CitiCards

http://www.consumeractiongroup.co.uk/forum/citicards/

Egg

http://www.consumeractiongroup.co.uk/forum/egg/

MNBA

http://www.consumeractiongroup.co.uk/forum/mbna/

Mortgage Companies

http://www.consumeractiongroup.co.uk/forum/mortgage-companies/

Store Cards

http://www.consumeractiongroup.co.uk/forum/store-cards/

BANK CHARGES IN PRINT FORUM

http://www.consumeractiongroup.co.uk/forum/bank-charges-print/

Bank Charges - Guide to Reclaiming

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

Banking Code of Practice: Personal Customers

http://www.bankingcode.org.uk/pdfdocs/PERSONAL_CODE_2008.PDF

Banking Code of Practice: Guidance for Subscribers (Banks)

http://www.bankingcode.org.uk/pdfdocs/PERSONAL_CODE_GUIDANCE_2008.PDF

Banking Code of Practice: Business Accounts

http://www.bankingcode.org.uk/pdfdocs/BUSINESS_CODE_2008.PDF

Banking Code of Practice: Business Guidnace for Suscribers (Banks)

http://www.bankingcode.org.uk/pdfdocs/BUSINESS_CODE_GUIDANCE_2008.PDF

Bank Surve

http://www.consumeractiongroup.co.uk/survey.php

BANK TEMPLATES LIBRARY

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

Bankruptcy: protracted realisation unit & bankrupts

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/22342-bankruptcy-protracted-realisation-unit.html

Benefits ? Is the bank taking your

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/36790-bank-taking-your-benefits.html

Bill of Sales

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/112358-bill-sales-repossession-goods.html

Brighthouse Stores (formerly Crazy Georges) Fact Sheet

http://www.consumeractiongroup.co.uk/forum/brighthouse/130871-brighthouse-stores-formerly-crazy.html

Budget Planner: Excel or Online

The Budget Planner: Free tool and guide to managing your money...

Business Claim - FAQ's

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/105213-guide-business-claims.html

Business version letter to your bank -

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/486-sample-letter-your-bank.html

 

CAG RADIO FORUM

http://www.consumeractiongroup.co.uk/forum/cag-radio/

Callcredit - Application Form

Page Not Found

CAMPAIGN FORUM

http://www.consumeractiongroup.co.uk/forum/campaign/

Can I Claim Beyond 6 Years

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31575-important-things-you-really.html?garpg=6

Case guidance notes - bringing your case to court

http://www.consumeractiongroup.co.uk/forum/guidance-notes/637-case-guidance-notes-bringing.html

Case Guidance notes - Going to court

http://www.consumeractiongroup.co.uk/forum/guidance-notes/641-case-guidance-notes-going.html

Case Guidance notes - making a deal

http://www.consumeractiongroup.co.uk/forum/guidance-notes/675-case-guidance-notes-making.html

Case guidance Notes - making a familiarisation visit

http://www.consumeractiongroup.co.uk/forum/guidance-notes/731-case-guidance-notes-making.html

CASES LIBRARY

http://www.consumeractiongroup.co.uk/forum/cases-library/

Charges- Different Descriptions by the Main Banks

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/92004-charges-can-claimed.html#post867497

Charging Orders : A Guide

http://www.consumeractiongroup.co.uk/forum/legal-issues/203298-guide-charging-orders-orders.html

 

 

Cheap/free calls- if you are spending too much phoning banks

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/38-cheap-free-calls-if.html

Civil Procedure Rules - and forms - a five star site *****

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/169-civil-procedure-rules-forms.html

Comet

http://www.consumeractiongroup.co.uk/forum/comet/

Complaining – A Comprehensive Guide

http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/51998-how-complain-comprehensive-guide.html

Complaints About Threads/Posts/Users

http://www.consumeractiongroup.co.uk/forum/general/66282-cag-how-complain.html?highlight=CAG+how+to+Complain

Companies House - search for a company

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/1458-companies-house-search-company.html

Competition Commission. Essential report

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/44049-competition-commission-essential-report.html

Consumer Credit Act (1974)

http://www.consumeractiongroup.co.uk/forum/statutes-library/27535-consumer-credit-act-1974-a.html

Consumer Credit Agreements: Example Agreements

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/162851-consumer-credit-agreements.html

ConsumerWiki - A-Z Index

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/123374-consumerwiki-z-index.html

Contact Details For Banks

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html

Contracts (Rights of Third Parties) Act 1999

http://www.consumeractiongroup.co.uk/forum/statutes-library/2647-contracts-rights-third-parties.html

Contractual Interest - Arguements For & Against http://www.consumeractiongroup.co.uk/forum/general/79524-key-arguments-against-compound.html

Consolidated Loans

Consolidated Loans

Consumer Protection from Unfair Trading 2008

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/146460-consumer-protection-unfair-trading.html

Consumer Protection from Unfair Trading: Complaint Letters

http://www.consumeractiongroup.co.uk/forum/consumer-protection-unfair-trading/

Costs: Template Application Letter

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/65921-application-costs.html

Costs : Wasted Costs Order

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/85726-wasted-costs-order.html

County Court fees and exemptions

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/63-county-court-fees-exemptions.html

Court Bundle - Basic

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

Court Bundle -Advanced

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/111522-advanced-court-bundle.html

Court Bundle - Examples of Witness Statement, Document list etc

http://www.consumeractiongroup.co.uk/forum/abbey-bank/57385-examples-witness-statements-disclosure.html

Court Bundle - Witness Statements

Abbey Court Bundle & Witness Statement

Lloyds Witness statement

Court Bundle - Make Sure You Read This

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/82148-got-court-date-important.html#post732094

Court Bundle - Non-Compliance Template If Bank Fails to Submit Bundle

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/58011-sc-m-court-bundle.html#post485266

Court Buddy -Register as a

http://www.consumeractiongroup.co.uk/regbuddy.php

Court Buddy - Find a

http://www.consumeractiongroup.co.uk/buddy.php

Court Date - Advice

http://www.consumeractiongroup.co.uk/forum/abbey-bank/52494-read-now-if-you.html

Court Date? - A Guide to Different Hearings

http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html

Court Guidance Notes

http://www.consumeractiongroup.co.uk/forum/guidance-notes/

Court Fees - Do you have to pay them?

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/2147-court-fees-do-you.html

Courts Service information and links to useful documents

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/13-courts-service-information-links.html

Costs: Application For Costs in Small Claims

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/65921-application-costs.html#post563326

Credit Agreement Requests;Basic Information

http://www.consumeractiongroup.co.uk/forum/legal-issues/131982-basic-information-credit-agreement.html

Credit Cards:Who Owns Who

Credit Cards: Who Owns Who

Credit Reference Agencies: Application Forms

Page Not Found

http://www.experian.co.uk/downloads/consumer/cfa.pdf

https://www.econsumer.equifax.co.uk/consumer/uk/uib/images/EFX_UK/en_GB/your%20equifax%20credit%20file%209-05.pdf

Credit/Store Card Letter Template (thanks Bookworm01036)

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/586-credit-store-card-letter.html

Creditors and DCAs - Letter Templates & Budget Planner

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

Letter A - Ask your creditors to hold action on your account

Letter B - Ask your creditors to accept pro rata offers of payment on your debts

Letter C - Ask your creditors to accept a token payment or no payment on your debts

Letter D - When a creditor refuses your offer of payment

Letter E - When a creditor refuses to freeze interest on your account

Letter F - When a creditor has turned down an offer of payment, interest is still being added, and you want the creditor to take you to court.

Letter G - When creditors have turned down an offer of payment, interest is still being added but you don’t want to go to court

Letter H - When a creditor asks you to agree to a voluntary charge against your home

Letter I - Request for a stay of execution in the High Court

Letter J - Full and final settlement for any debt

Letter K - Ask creditors to write off the debt due to your circumstances

Letter L - Ask your creditors to reconsider if they refuse to write off the debt

Letter M - Dispute your liability for a debt where a creditor has not contacted you for over six years

Letter N - Ask your creditor for a copy of your credit agreement under the Consumer Credit Act 1974

Letter O - Mortgage shortfalls: Breakdown of balance owed

Letter P - Mortgage shortfalls: Please write off the debt

Letter Q - Mortgage shortfalls: Full and final settlement letter

Letter R - Mortgage shortfalls: Lender should not pursue under CML policy

Letter S - Inform your creditor that you are terminating your hire purchase/conditional sale agreement

Credit Scoring

Credit Scoring - Consumer Wiki

Currys

http://www.consumeractiongroup.co.uk/forum/currys-dixons/

CUTTING AND SOUNDFILES LIBRARY

http://www.consumeractiongroup.co.uk/forum/cuttings-soundfiles-library/

CYNtheSYS - Clydesdale & Yorkshire Costs Breakdown

http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/78681-clydesdale-yorkshire-northern-system.html

 

Data Controller , Find the address for the

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/26909-find-address-data-controller.html

Data Protection Act notice S10 - if you have been defaulted for unlawful penalties

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html

Data Protection Act - Taking a Case to Court

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/7054-data-protection-act-taking.html

Data Protection Act 1998

http://www.consumeractiongroup.co.uk/forum/statutes-library/91-data-protection-act-1998-a.html

Data Protection Act, Subject Access Request letter - List of charges

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-

Data Protection Act - Non-Compliance - Template Letters

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

Data Protection Act Non-Compliance - Particulars of claim

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html

1-data-protection-act.html

DCA’s Address & Contact Details

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/14775-dcas-address-contact-details.html

DCAs and Creditors - Letter Templates & Budget Planner

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

DCA's: Dealing With Phone Calls

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131475-dealing-dcas-phone-calls.html

DCA: Getting Them To Reveal Their Vitals. Using CPR 31.14 to Your Advantage

DCA: Using CPR 31.14 to Your Advantage

DEALING WITH DEBT IN SCOTLAND FORUM

http://www.consumeractiongroup.co.uk/forum/dealing-debt-scotland/

Debt - A Glossary of Terms

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/23991-debt-glossary-terms.html

DEBT ADVICE FORUM:

http://www.consumeractiongroup.co.uk/forum/#black-consumer-forums-center

DEBT: LEGAL ISSUES FORUM

http://www.consumeractiongroup.co.uk/forum/legal-issues/

Debt: A - Z of Debt Terminology

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/161658-z-debt-terminology.html

Debt: Where to Get Help

Debt: Where to Get Help - Consumer Wiki

Debt: How to Get Out of

http://www.consumeractiongroup.co.uk/forum/getting-out-debt/120603-how-get-out-debt.html?highlight=How+to+get+Out+of+Debt

Debt Handbook: Useful Guide & Advice

The Debt Handbook

Debt: Letter Templates

http://www.consumeractiongroup.co.uk/forum/letter-templates/

Debt Management Plan

Debt Management Plan

Defaulted, I have been

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html?garpg=7

Defaults & Data Protection Issues

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/

Defaults – A Removal Method & Template Letters

http://www.consumeractiongroup.co.uk/forum/legalities/24013-defaults-proposed-method-removal.html

Delayed Flight Compensation EU

http://www.consumeractiongroup.co.uk/forum/holiday-companies/17177-delayed-flight-compensation-eu.html

Digital signature Guide

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/110578-digital-signature-guide.html?highlight=Digital+signature

Direct Debit Guarantee

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/194-direct-debit-guarantee.html

Directions Non-Compliance Letters

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/58011-directions-non-compliance-letters.html

Disability Discrimination Acts -1995 and 2005

http://www.consumeractiongroup.co.uk/forum/statutes-library/3708-disability-discrimination-acts-1995-a.html

Disrepair in Private Rented Accommodation

http://www.consumeractiongroup.co.uk/forum/residential-commercial-lettings/74057-disrepairs-privately-rented-accommodation.html#post641938

Dixons

http://www.consumeractiongroup.co.uk/forum/currys-dixons/

DOCUMENTS LIBRARY - T & C's (Work in Progress)

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/101412-document-library-work-progress.html

Donate to CAG via Credit/Debit Card or Paypal

https://www.paypal.com/cgi-bin/webscr

 

EDM

EDMDetails

EFFECTS OF DEBT ON HEALTH & LIFESTYLE FORUM

http://www.consumeractiongroup.co.uk/forum/effects-debt-health-lifestyle/

EMPLOYMENT PROBLEMS FORUM

http://www.consumeractiongroup.co.uk/forum/employment-problems/

Equifax - Your credit history and your rights explained

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/493-equifax-your-credit-history.html

Equifax - Application Form

https://www.econsumer.equifax.co.uk/consumer/uk/uib/images/EFX_UK/en_GB/your%20equifax%20credit%20file%209-05.pdf

Exempt From Court Fees?.

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-user-guide-contacts-list.html?garpg=9

Experian - Credit reference agency

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/496-experian-credit-reference-agency.html

Experian - Application Form

http://www.experian.co.uk/downloads/consumer/cfa.pdf

Extended Warranties

http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/2639-comments-extended-warranties.html

 

FAQs

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

Farepak,

http://www.consumeractiongroup.co.uk/forum/farepak/

Fast Track Guide

Fast track and multi track

Finacial Hardship: Taking your Case to the FOS

Financial Hardship: Guide to the FOS

Financial Ombudsman -Home

Financial Ombudsman Service

Financial Ombudsman -Bank Charges

http://www.financial-ombudsman.org.uk/faq/bankcharges-quickguide.pdf

Financial Ombudsman - Complaint Form

FAQs about our complaint form

Financial Ombudsman

http://www.consumeractiongroup.co.uk/forum/campaign/43287-financial-ombudsman-recommendation.html

FORMAL SOLUTIONS FORUM

http://www.consumeractiongroup.co.uk/forum/formal-solutions/

Form N244 - application notice

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/41901-form-n244-application-notice.html

FORUM RULES

http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/

Free alternative to Excel

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/2004-free-alternative-excel.html

Frequently Asked Questions

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html

FSA guidelines to credit scoring

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/495-fsa-guidelines-credit-scoring.html

FSA Register

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/3933-fsa-register.html

 

GARAGE SERVICES FORUM

http://www.consumeractiongroup.co.uk/forum/garage-services/

GENERAL FORUM

http://www.consumeractiongroup.co.uk/forum/general/

GENERAL CONSUMER ISSUES FORUM

http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/

GENERAL DEBT ISSUES FORUM

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/

GENERAL KNOWLEDGE FORUM

http://www.consumeractiongroup.co.uk/forum/general-knowledge/

GETTING OUT OF DEBT FORUM

http://www.consumeractiongroup.co.uk/forum/getting-out-debt/

Glossary Of Abbreviations Used In The Forums And The Chat Room

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31476-glossary-abbreviations.html

GOGW – Gestures of Goodwill

http://www.consumeractiongroup.co.uk/forum/abbey-bank/32932-have-you-had-gogw.html

GUIDANCE NOTES

http://www.consumeractiongroup.co.uk/forum/guidance-notes/

Guide to Reclaiming Bank Charges

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

Guide to This Forum

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

Harassment by telephone - response letter

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html

Hardship and Stayed Claims: Letter

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/154154-hardship-stayed-claims.html#post1640904

HELPFUL EXTERNAL LINKS LIBRARY

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/

HELPFUL ORGANISATIONS LIBRARY

http://www.consumeractiongroup.co.uk/forum/other-helpful-organisations/

HOLIDAY COMPANIES FORUM

http://www.consumeractiongroup.co.uk/forum/holiday-companies/

 

IDENTITY THEFT FORUM

http://www.consumeractiongroup.co.uk/forum/identity-theft/

I.T. Support

http://www.consumeractiongroup.co.uk/forum/i-t-support/

Independent Banking Advisory Service

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/264-independent-banking-advisory-service.html

Information Commissioner – Data Protection Act

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/17-information-commissioner-data-protection.html

Information Commissioner - Freedom of Information Act

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/116-information-commissioner-freedom-information.html

INSURANCE/ASSURANCE COMPANIES FORUM

http://www.consumeractiongroup.co.uk/forum/insurance-assurance-companies/

Interest calculation spreadsheets

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Introduction to Bank charges

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/23848-introduction-bank-charges.html

Isle of Man Claims – Template Letters

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/93555-isle-man-template-letters.html

Isle of Man - Statutes

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/44110-statures-isle-man.html

IVA arrangements

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html?garpg=8

 

Judgement: How to Enforce

http://www.consumeractiongroup.co.uk/forum/general/66182-how-enforce-judgement.html

Judgement: How to get Paid

http://www.consumeractiongroup.co.uk/forum/bailiffs/99563-got-judgment-how-get.html

 

 

Law Of Professional-Client Confidentiality: Update

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/142-law-professional-client-confidentiality.html

LEGALITIES FORUM

http://www.consumeractiongroup.co.uk/forum/legalities/

Legal Terms & Phrases Explained in Plain English

Legal Phrases: A-Z Guide

Letter - Preliminary approach for repayment

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

Letter before action - Consumer version - asking for it back

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

Letter - Notification of Settlement to the Court

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/58011-sc-m-court-bundle.html#post485266

Limitation Act 1980

http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html

Liquidated damages and penalties - useful explanation

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/3132-liquidated-damages-penalties-useful.html

LITIGATION SECTION

http://www.consumeractiongroup.co.uk/index.php?option=com_content&task=view&id=138&Itemid=82

Lloyds v Berwick: View of the Judgement

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/90660-lloyds-victory-view-judgement.html#post827833

 

McNamara BBC radio -Sept 2004- sound file & transcript

http://www.consumeractiongroup.co.uk/forum/cuttings-soundfiles-library/118-peter-mcnamara-bbc-radio.html

Manx Claims – Template Letters

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/93555-isle-man-template-letters.html

Mediation - Letter of Refusal

http://www.consumeractiongroup.co.uk/forum/general/83044-mediation-bad-idea.html#post742517

MERCANTILE COURT FORUM

http://www.consumeractiongroup.co.uk/forum/mercantile-court-cases-stays/

Mercantile Court Guide

http://www.consumeractiongroup.co.uk/forum/mercantile-court-cases-stays/34297-mercantile-court-guide.html

Moderators & Site Helpers: List of

http://www.consumeractiongroup.co.uk/forum/general/106239-our-site-support-team.html

Money Claim - Getting it right

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

Money Claim On-Line (MCOL) Particulars of Claim

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

Moneyclaim - start your County Court claim online

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/10-moneyclaim-start-your-county.html

Moneyclaim and hardcopy claim compared

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/919-moneyclaim-hardcopy-claim-compared.html

Moneyclaim On-line Guide

Her Majesty's Courts Service

MORTGAGES AND SECURED LOANS FORUM

http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/

Mortgage Claims - Guide

http://www.consumeractiongroup.co.uk/forum/mortgage-companies/2424-alanfromderby-bristol-west-operation-9.html#post560022

M.P. - Template letter to your

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/114-template-letter-your-member.html

M.P’s - List of (2005)

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/112-members-parliament-2005-a.html

MP’s and Bailiffs

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/30373-my-mp-bailiffs.html

Myth of Writing off Debt

The Myth of 'Writing Off' Debt

 

National Debtline : England & Wales

National Debtline England & Wales, for FREE CONFIDENTIAL and INDEPENDENT ADVICE call 0808 808 4000

National Debtline : Scotland

National Debtline Scotland, for FREE CONFIDENTIAL and INDEPENDENT ADVICE call 0808 808 4000

N1 Claims form in .PDF format with form filling

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/844-n1-claims-form-pdf.html

N1 POC's for Abbey, A&L, Barclays, Co-op, Halifax, HSBC, Lloyds, Natwest, RBS, Yorkshire

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

N1 POC's for Credit Cards: Abbey, Barclaycard, Capital One, Citicard, Co-op, Egg, Lloyds, MBNA, Natwest

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

N1 POC's for Business Account: Natwest

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

N1 - hard copy version - Particulars of claim

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

N149 on-line PDF Version

http://www.hmcourts-service.gov.uk/courtfinder/forms/n149_1105.pdf

N244 - application notice

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/41901-form-n244-application-notice.html

NHS FORUM

http://www.consumeractiongroup.co.uk/forum/nhs/

Northern Ireland Small Claims Guide and new NI online claims service

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/499-northern-ireland-small-claims.html

Notice of Correction - Credit Reference Files

Notice of Correction - Consumer Wiki

Notice of Disassociation - Credit Reference Files

Notice of Disassociation - Consumer Wiki

Notice of Discontinuance

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/58011-directions-non-compliance-letters.html#post487345

Notice of Issue.

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-user-guide-contacts-list.html?garpg=11

 

On-line Calculator

http://www.consumeractiongroup.co.uk/chargeinterest.php

OFT: Register of Company Credit Licences

OFT: Consumer Credit Register

OFT: Personal Current Accounts & Consultation 16/07/08

OFT: Personal Current Accounts Report

OFT Test Case FORUM

http://www.consumeractiongroup.co.uk/index.php?option=com_content&task=view&id=138&Itemid=82

OFT Test Case: Update 22.10.07

The Office of Fair Trading: Questions and answers for OFT test case announcement 26 July 2007 - updated 22 October 2007

OFT Test Case: POC's

http://www.oft.gov.uk/shared_oft/bus...s-of-claim.pdf

OFT Test Case: OFT POC's, The Bank's Defence, OFT Response etc

http://www.consumeractiongroup.co.uk/forum/general/113391-oft-banks-documentation.html#post1184504

OFT Test Case: Info Links

http://www.consumeractiongroup.co.uk/forum/cases-stayed-pending-oft/111194-oft-fsa-fos-links.html

OFT Test Case: Advice on What to do

http://www.consumeractiongroup.co.uk/forum/general/107550-oft-test-claim-what.html

OFT Test Case: Full transcripts of the Hearing

OFT Test Case: Transcripts

OFT v The Banks: Read This if You're Worried

http://www.consumeractiongroup.co.uk/forum/general/108091-oft-banks-dont-panic.html

OFT Test Case: April 2008 - What the Judgment Means for You

http://www.consumeractiongroup.co.uk/forum/oft-test-case-updates/139971-oft-abbey-others-april.html

OFT Test Case: April 2008 - Updated FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/142775-bank-charges-april-2008-a.html

OFT Test Case: OFT Statement 23rd May 2008

http://www.consumeractiongroup.co.uk/forum/announcement.php?f=166&a=119

OFT Test Case: Q & A's 30 May 2008

OFT Test Case: Q & A's 30 May 2008

OFT Test Case: Q & A's 14 August 2008

OFT Test Case: Q&A's 14 August 2008

OFT Newsletter Jan 2008

http://www.consumeractiongroup.co.uk/forum/general/126797-oft-retail-banking-team.html

Office of Fair Trading

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/32-office-fair-trading-unfair.html

Office of Fair Trading - Credit Card Report Summary

http://www.oft.gov.uk/shared_oft/rep...ts/oft842a.pdf

OpenOffice - Free Alternative to Excel for PC's

OpenOffice.org - The Free and Open Productivity Suite

OpenOffice - Free Alternative to Excel for Mac's

http://www.versiontracker.com/dyn/mo...acosx/10209910

Other Stores

http://www.consumeractiongroup.co.uk/forum/other-stores/

 

Parachute account?, Do you need a

http://www.consumeractiongroup.co.uk/forum/general/13832-do-you-need-parachute.html

Package Travel, Package Holidays and Package Tours Regulations 1992

http://www.consumeractiongroup.co.uk/forum/holiday-companies/4470-package-travel-package-holidays.html

PARKING / TRAFFIC WARDENS FORUM

http://www.consumeractiongroup.co.uk/forum/parking-traffic-wardens/

Parking Tickets - Private: Everything You Need to Know

http://www.consumeractiongroup.co.uk/forum/parking-traffic-wardens/65341-private-parking-companies-charges.html

Parking Tickets - Private: Template Letters

http://www.consumeractiongroup.co.uk/forum/parking-traffic-wardens/119802-private-parking-tickets-template.html

Parking Tickets: Changes to Parking Laws from April 2008

http://www.consumeractiongroup.co.uk/forum/parking-traffic-offences/129585-changes-dpe-april-08-a.html#post1363442

Parking Tickets: Council Fine, But no PCN or NTO

http://www.consumeractiongroup.co.uk/forum/parking-traffic-offences/131121-council-parking-fine-but.html#post1378143

New POC's for Bank Charges: Abbey, A&L, Barclays, Co-op, HSBC, Lloyds, Natwest,RBS & Yorkshire

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/107566-bank-charge-poc-n1.html

New N1 POC's for Credit Cards: Abbey, Barclaycard, Capital One, Citicard, Co-op, Egg, Lloyds, Natwest

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/122528-credit-card-charges-poc.html

Particulars of claim - N1 - hard copy version

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

PCWorld,

http://www.consumeractiongroup.co.uk/forum/pcworld/

Posts: How to make

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts.html

PPI FORUM

http://www.consumeractiongroup.co.uk/forum/ppi/

PPI: Guide to Making a Claim

http://www.consumeractiongroup.co.uk/forum/ppi/61081-ppi-some-notes-claimants.html#post514670

PPI: Draft POC's

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/123886-poc-ppi-do-we.html

PPI Calculator

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/152816-download-ppi-calculator-here.html#post1624569

Preliminary Approach Template Letter

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

Private Messages, Asking questions by

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/14608-asking-questions-pm.html

Private Messages, Receiving

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/15742-receiving-personal-messages-pms.html

 

Record your Internet telephone conversations with the Bank

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/39-record-your-internet-telephone.html

Record your telephone conversations with the bank

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/19-record-your-telephone-conversations.html

Rejection of settlement offer

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

Representation at Court

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/100066-can-someone-else-represent.html#post938013

RESIDENTIAL & COMMERCIAL LETTINGS FORUM

http://www.consumeractiongroup.co.uk/forum/residential-commercial-lettings/

Right of Appropriation Letter - Stop bank from taking your money

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/42170-right-appropriation-stop-bank.html

Rules of Engagement

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31575-important-things-you-really.html?garpg=7

Reputations

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/22998-information-about-reputations-site.html

RETAIL STORES FORUM

http://www.consumeractiongroup.co.uk/forum/retail-stores-forums/

 

Sale and Supply of Goods Act 1994

http://www.consumeractiongroup.co.uk/forum/statutes-library/2615-sale-supply-goods-act.html

Sale and Supply of Goods to Consumers Regulations 2002

http://www.consumeractiongroup.co.uk/forum/statutes-library/2616-sale-supply-goods-consumers.html

Sale of Goods (Amendment) Act 1995

http://www.consumeractiongroup.co.uk/forum/statutes-library/2614-sale-goods-amendment-act.html

Sale of Goods Act 1979 as amended

http://www.consumeractiongroup.co.uk/forum/statutes-library/42-sale-goods-act-1979-a.html

SOGA - Basic Rights

http://www.consumeractiongroup.co.uk/forum/retail-stores-forums/117106-sale-goods-basic-guide.html

Scottish Small Claims Procedure - Act of Sederunt 2002

http://www.consumeractiongroup.co.uk/forum/statutes-library/162-scotish-small-claims-procedure.html

SCOTLAND FORUM

http://www.consumeractiongroup.co.uk/forum/scotland/

Scotland, £750 - £1500

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31575-important-things-you-really.html?garpg=3

Scottish Civil Procedure - some tips from Govan Law Centre

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/441-scottish-civil-procedure-some.html

Scottish Court Service

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/161-scottish-court-service.html

Scottish Debtline

Scottish Debtline - Homepage

Scottish Limitation Period Extended

http://www.consumeractiongroup.co.uk/forum/insurance-assurance-companies/3099-scottish-limitation-period-extended.html

Scottish Procedure

http://www.consumeractiongroup.co.uk/forum/guidance-notes/11123-scottish-procedure.html

Settled Claims List

lit settled.xls

Litigation Section - View and print out litigation spreadsheets here

Settlement letter to the Court

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/58011-sc-m-court-bundle.html#post487345

Site Map

http://www.consumeractiongroup.co.uk/forum/sitemap/

Small Claims Advice from The Citizens Advice Bureau

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/12-small-claims-advice-citizens.html

Spreadsheet of Settled Claims

http://www.consumeractiongroup.co.uk/forum/general/64871-spreadsheet-claims.html

Spreadsheet with interest

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Spreadsheets: Vampiress' Google Spreadsheets

VAMPIRESS'S CHAMBER OF "CONSUMER ACTI...

Spreadsheet : Alternative to Excel

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/2004-free-alternative-excel.html

Spreadsheet: Mindzai's Excel Contractual

U_Mindzias Compound Sheet***Audio Song | Movies |Free File Hosting, Software & MP3 Downloads, Free File Sharing - Ziddu

Spreadsheet: Online & Simple to Use

iCalculate

STATUTES LIBRARY

http://www.consumeractiongroup.co.uk/forum/statutes-library/

Statute Law Database

Home - Statute Law Database

Statutory Interest in your CCJ?: Are they entitled to claim

http://www.consumeractiongroup.co.uk/forum/legal-issues/129731-they-entitled-claim-statutory.html

Statement of Evidence - for Draft Direction Order

http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires-3.html#post482194

Stay: Application for removal of

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/17065-application-removal-stay.html

Stay: Application for removal of: UPDATED

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/17065-application-removal-stay-updated.html#post1046820

Stay: Application for Removal on Hardship Grounds

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/115059-allocation-hearing-witness-statement.html

Stays re: OFT Test Case - Info & Guidance

http://www.consumeractiongroup.co.uk/forum/general/108430-stays-info-guidance.html

Stay: Hearing Bundle

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/114505-bundle-stay-hearing.html

Stay: Skeleton Arguement

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/115276-skeleton-argument-stay-hearing.html

Stay: Credit Card claim: Letter of Objection

http://www.consumeractiongroup.co.uk/forum/cases-stayed-pending-oft/114308-objection-stay-credit-card.html

STEP-BY-STEP INSTRUCTIONS

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

Guide to Reclaiming Bank Charges

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

STUDENTS FORUM

http://www.consumeractiongroup.co.uk/forum/students/

Supply of Goods and Services Act 1982

http://www.consumeractiongroup.co.uk/forum/statutes-library/43-supply-goods-services-act.html

Sale of Goods Act 1979 as amended

http://www.consumeractiongroup.co.uk/forum/statutes-library/43-supply-goods-services-act.html

Sale of Goods Act: Guide to Consumer Rights

http://www.consumeractiongroup.co.uk/forum/retail-stores-forums/117106-sale-goods-basic-guide.html

 

Tax on Interest

http://www.consumeractiongroup.co.uk/forum/legalities/49641-important-information-regarding-tax.html

TELECOMS- MOBILE, FIXED & BROADBAND FORUM

http://www.consumeractiongroup.co.uk/forum/telecoms-mobile-fixed-broadband/

Terms & Conditions

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/101412-document-library-work-progress.html

Theft (Amendment) Act 1996

http://www.consumeractiongroup.co.uk/forum/statutes-library/90-theft-amendment-act-1996-a.html

THIS SITE – QUESTIONS & ANSWERS FORUM

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/

Treasury Select Committee Minutes

http://www.consumeractiongroup.co.uk/forum/general/508-treasury-committee-bank-penalties.html?highlight=Treasury

 

Ulster banks under investigation

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/336-ulster-banks-under-investigation.html

Unanswered Posts: Your Help Needed

Click_here

Unfair Contracts Terms Act 1977

http://www.consumeractiongroup.co.uk/forum/statutes-library/33-unfair-contracts-terms-act.html

Unfair Terms in Consumer Contracts Regs. 1999

http://www.consumeractiongroup.co.uk/forum/statutes-library/40-unfair-terms-consumer-contracts.html

User Guide & Contacts List

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-user-guide-contacts-list.html

UTILITIES: GAS, WATER, ELECTRICITY FORUM

http://www.consumeractiongroup.co.uk/forum/utilities-gas-electricity-water/

 

VEHICLE RETAILERS AND MANUFACTURERS FORUM

http://www.consumeractiongroup.co.uk/forum/vehicle-retailers-manufacturers/

 

Wasted Costs Order

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/85726-wasted-costs-order.html

Wiki

Consumer_Action_Group_Wiki

ConsumerWiki - A-Z Index

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/123374-consumerwiki-z-index.html

Witness Statements

Abbey Court Bundle & Witness Statement

Lloyds Witness statement

What Can I Claim For?

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/15518-charges-description-statements-please.html

When You Get Your Refund

http://www.consumeractiongroup.co.uk/forum/general/7261-when-you-get-your.html

Who Owns Who

http://www.consumeractiongroup.co.uk/forum/general/124079-banks-building-societies-mortgages.html

WORD FROM THE BANKS FORUM

http://www.consumeractiongroup.co.uk/forum/word-banks/

Edited by Michael Browne
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Thanks Michael. That looks really useful so I have made it a sticky.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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Hi Caro,

 

I too jhave found this useful how do you make it a sticky then please.

 

Thanks

Mikey

Keep claiming the right

 

Mikey

 

If you find that I have helped in anyway please click on the scales to left of the screen- Thank you

 

Advice & opinions of Scouser9 are offered informally, without any assumption of liability. Use your own judgment. Seek advice of a qualified and insured professional if you have any doubts.

 

 

50% Of claim offered by The Halifax 09/12/2006

LBA letter sent 11/12/2006

Refusal in part of Payment sent 12/12/2006

Halifax settled with £4200 agreed amount 27/12/2006

Survey Submitted and Donation Made 02/01/2007

PPI Claim Sent To Halifax 25/11/2008

PPI Claim Halifax Won 31/12/2008

PPI Claim Sent To Carcraft 22/12/2008

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Well done Michael. This is really useful

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Great MB, what a star!:D

I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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Michael, I am impressed.

And you can be sure that it will be well used.

 

Thank you.

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If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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LOOK! Free CAG Toolbar.

Follow link for more information.

 

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Please donate,

Help us to help others.

 

 

LINKS....

 

Forum Rules.

FAQs....

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Great work MB, immensely useful.:D

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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wow!

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If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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Great work a really useful tool

 

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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  • 2 weeks later...

I suppose it deserves a click on the scale then!!!

 

Seriousely Michael, i can see a lot of effort went into that post and I will find it useful too.

 

Cheers

 

Glenn

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Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Fantastic.:D

 

What a lovely guy you are !:cool:

 

 

 

Thanks michael !!!

 

 

 

Hope xx

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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Card Protection Payments - I have just started looking into some of the cahrges on my wife's cards and note that she has ben charged for card protection without her knowing that she had signed up for it. Does anyone know if we can get these payments back - whwn added to the interest the charges swallow up almost all of the minimum payments.

MINT / RBS Advanta

SAR

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Guest Battleaxe

Impact,

 

You sure can get these charges back. Write and tell htem this was never requested and you want it rectified immediately. If it is not on the Agreement when the card was taken out, they have been very naughty.

 

Just do a spreadsheet use one of Vamps spread sheets, at whatever the current contractual interest rate is and send it with your letter.

 

You might be surprised at how much you get back.

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  • 2 weeks later...

Excellent Post I would link it but not sure how ( PM me) , my sig doesnt always show when i post,,, any ideas???

 

but have added to favourites

 

Some people on here are REAL DIAMONDS

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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  • 3 weeks later...
Excellent Post I would link it but not sure how ( PM me) , my sig doesnt always show when i post,,, any ideas???

 

but have added to favourites

 

Some people on here are REAL DIAMONDS

 

You have to post more than 100 words for your signature to show at the bottom of that post and then only two (I think) signatures will show per thread page.

 

I think you'll find you're being too sucinct! I used to be brief and to the point but now I realise that a bit of a ramble does the trick and it often sounds nicer for the recipient!

 

Oh, and this does not apply to mods and I think I'm right in saying site helpers etc - just the hoipoloi (aka us!)

 

And because I can't be bothered to check whether I've written 100 words I'm going to add this sentance just to make sure that I'm up there!

 

Hope this helps :)

 

PS. and to make a link you need to open the page you want. Copy the bit at the top of your screen - where it says (for example)http://www.consumeractiongroup blah blah. Copy that line and paste it into the post you're in and there's the link. Hope you can make sense of that!

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My posts are offered informally, without prejudice and without liability. You should seek the advice of a qualified insured professional.

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because no one has posted on it for the last 5229 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

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Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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