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Dublin banks Terms and Conditions showing £3 charge:


http://www.accbank.ie/index.php?name=fees+%26+c harges


The following verbatim copy compacts 31 pages of abbreviations, acronyms and terms into 1 for convenience.
Any suggestions for additional entries (e.g. Tomlin Order) please comment here
PM the following:



Subjects, letters, forums, statutes, etc by
Michael Browne
16/12/2006 (A gold mine of
-- perhaps could do with blank lines separating subjects):

16/09/2006 - 15 pages.

Definition And Website If Applicable.

As Far As I Know

Allocation Questionnaire

What is your Age, Sex, and Location

Bank Action Group
(Another Name For CAG)

British Bankers Association

Be Right Back

By the way

Bring Up
My Posting - (Used when a thread has slipped down thelist of threads and still needs an answer)

Citizens Advice Bueraux

Consumer Action Group (this site)

Credit Card

Consumer Credit Act

- ---------
Consumer Credit Counselling Service

Fraud Prevention Service

Civil Procedure Rules

Credit (balance)

Credit Reference Agency

Direct Debit

Data Protection Act

Frequently Asked Questions

For What It's Worth

Financial Ombudsman Service

------------- -
Financial Services Authority

Hope This/That Helps

Information Commissioners Office

In My Opinion/In My Humble Opinion

Letter Before Action

Moneyclaim Online

Moneysaving Expert

Form for filing claim at County Court
Blank Form
For Filling Out

Office of Fair Trading

Penalty Charge Notice

Particulars Of Claim

Payment Protection Insurance

Subject Access Request

Small Claims Court

Standing Order

Unfair Contract Terms Act

Unfair Terms in Consumer Contracts Regulations 1999

2001 Amendments


14/08/2006 - 25 pages


"Adjudications" is an out-of-date term for bankruptcy.

Administration Order

An agreement between an individual and a County Court, in which the Court helps the individual make arrangements to pay outstanding debts to creditors. The debts must not total more than £5000.

Arrangement to pay

An "arrangement to pay" is an agreement between a lender and a customer to vary a customer's payment schedule.

Attachment of Earnings Order

If a creditor has a judgment against you in the County Court which you do not pay then they can try to enforce the judgment against you. One of the ways this can be done is the creditor applies to the County Court for an Attachment of Earnings Order to be made. This order tells your employer to make deductions straight from your earnings in order to pay the debt. Your employer then sends the money to the court. Your employer can also deduct £1.00 every time they take money out of your wages towards the cost of administering the Attachment of Earnings Order.

The court can order deductions to be made directly from your earnings if:

* You are behind with payments on your County Court Judgment (CCJ).

* You are an employee (not self-employed or on benefits).

* You owe more than £50 on the judgment.

Bankruptcy Order

A way of dealing with debts that cannot be paid. Bankruptcy proceedings free an individual from overwhelming debts. The official receiver is responsible for the administration of bankruptcies.

(Credit Account Information Sharing)

CAIS refers to the credit account information held by Experian. Lenders provide information on accounts held with their customers. In return, lenders can view the same level of information when they make a search of our records during an application for credit. For example, banks that provide only information on accounts with a history of arrears can view only defaulted and delinquent accounts.

(Consumer Credit Association)

The CCA is a professional body representing the interests of small companies in the credit industry.


County Court
Judgment (abbreviation)

A county court judgement is a judgement for debt in the county court. This debt does not appear in the credit register if this debt is settled within 30 days of the date of the judgement.

Certificate of Satisfaction

A county court document confirming a judgment has been satisfied (paid in full) or set aside (removed from the public record because it was paid within one calendar month).

Citizens' Advice Bureau
. - CAB

A voluntary service provided in most major towns which offers free advice to individuals on financial and other matters.


A person or organisation which extends credit to others, i.e. your loan company, bank etc.

Debt management programme

The lender has reported that an account has been included in a debt management programme, for example one organised by a Citizens Advice Bureau or the Consumer Credit Counselling Service.


An individual or company that owes debt to another individual or company (the creditor) i.e.

Defaulted account

This is an account for which you have not kept to a credit agreement and the relationship between you and the lender has broken down. The lender has terminated the credit agreement. A record of these accounts is kept for six years from the default date.

Default notice

A default notice is a formal letter a lender sends you when you are so far behind in your payments that they have decided your relationship with them has broken down. This varies from lender to lender but generally happens when you are between three and six months in arrears. If you receive a default notice it might mean that the lender is planning to take legal action to recover the money, but you must be notified separately of this. A default notice will almost certainly mean that the account will be shown as defaulted on your credit report, which will make it difficult for you to get credit. This information is kept on your report for six years but the balance should be updated as you make repayments and after six years it is removed, whether or not you're fully

Electoral roll

The electoral roll is a list of the names of all people registered at an address who are entitled to vote. Lenders use this information to check the identity of those applying for credit.

IVA (Individual Voluntary Arrangement)

Voluntary Arrangements are an alternative to Bankruptcy. If an individual has accrued a number of debts, they can enter into a Voluntary Arrangement, which is administered by the County Court or a Licenced Insolvency Practioner. It means that a repayment plan has been agreed with creditors.

Information Commissioner's Office

The Information Commissioner's Office regulates the work of credit reference agencies and lenders. If an individual believes that a lender or a credit reference agency has not fulfilled their legal obligations they may request that the Information Commissioner investigates the matter on their behalf.

Liability Order

A liability order enables a Council to do one of three things

* Instruct bailifs to recover enough property from your home to cover the debt

* Deduct the amount you owe directly from your earnings

* Declare you bankrupt

Official receiver

An official receiver is responsible for the administration of a Bankruptcy.

Order of Discharge

The terms of a Bankruptcy have been met.


Members of the Council of Mortgage Lenders record information on customers who have given up their homes or had them repossessed.

Statutory Demand

A statutory demand requires that the debtor either:

* Pays the relevant amount

* Offers to secure it against property

* Offers to repay the debt in a way that is satisfactory to the creditor. For example, by instalments.

Some creditors use statutory demands as a way of persuading debtors to pay off the debt, usually by borrowing elsewhere.

However, statutory demands should be taken seriously. After 21 days the creditor can petition for a bankruptcy order. Therefore, it is usually worth contacting the creditor by telephone and asking them what their next step will be.

Ignoring a statutory demand may encourage the creditor to petition for bankruptcy. It is worth bearing this in mind, particularly if the debtor is contemplating petitioning for his own bankruptcy.

If the debtor wants to avoid bankruptcy he should consider:

* Making payment(s) to reduce the debt to less than £750; or

* Making an offer to pay by instalments; or

* Making an offer of a reduced amount in settlement of the debt; or

* Applying to have the statutory demand set aside


A Court
has the power to reduce the monthly payments and interest on your loan. However, the Court may only agree to do this if the debtor is in temporary financial difficulty and intends on returning to the original repayment terms once this difficulty is relieved


by Bookworm

Rachel01’s court bundle of 19/12/2006,
settled in full on

Court Bundle - Index Page

This is my index page - have i forgotten anything i should include?

I have just printed out exactly what was on the COURT BUNDLE - Did i need to edit or delete anything?

Do i put a cover letter to the court when i post it to them? and do i send a copy to Abbey Solicitors?

  • Relevant Case Law to Penalty Charges 2 - 4

  • Early Day motion from the House of Parliament 5

  • Dunlop v New Garage 6 - 7

  • The Unfair Terms in Consumer Contracts Regulations 1999 8 - 18

  • Unfair Contract Terms Act 1977 19 - 28

  • Supply of Goods and Services Act 1982 29 - 41

  • OFT Statement Summary 42 – 44

  • Letter to Abbey – 3rd August 2006

  • Letter from Abbey – 8th August 2006

  • Letter to Abbey – 16th August 2006
    - Refusal to Refund Bank Charges

  • Letter from Abbey – 11th August 2006

  • Letter from Abbey – 22nd August & 1st September 2006

  • Letter to Abbey – 25th August 2006
    – One year bank charges credited to my account

  • Letter to Abbey 29th September 2006
    - Charges spreadsheet attached

  • Letter from Abbey – 28th September 2006
    - Referred me to Ombudsman

  • Letter from Abbey – 10th October 2006

  • Letter from Abbey – 17th October 2006
    - Refused my claim – acknowledged my £230 refund in Aug 06

  • Statements showing charges from 2000 - 2006



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Dublin banks Terms and Conditions showing £3 charge, added into All-in-One.

These links periodically move house.

T&Cs showing £3 from other Eire banks are available, these will be added soon.



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