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    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • 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).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
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    • If you are buying a used car – you need to read this survival guide.
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    • 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
      • 161 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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If you are new to forums this thread will be invaluable:

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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

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

 

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

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

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Bailiffs: Code of Practice

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Bailiffs: Council Tax - Stop Enforcement

Bailiffs: Council Tax Template Letter

Bailiffs: Council Tax Template Letter

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Bailiffs: Get The Bailiff to Pay Off Your Debt

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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

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Bailiffs: Declaration of Ownership of Goods

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Bailiffs: Various Template Letters

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Bailiffs: Valid Walking Possession

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Bank Account criteria chart

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

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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

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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

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

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

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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/

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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

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

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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

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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

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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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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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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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