We need your help folks! Re old T&Cs

[katscash]

hello has anyone got t+cs for skycard/barclays from 2005.asked bank for them havnt recieved them need to send cort bundkes by next week?

[steven4064]

hello has anyone got t+cs for skycard/barclays from 2005.asked bank for them havnt recieved them need to send cort bundkes by next week?

Write to the bank's solicitors, tell them the bank has not complied wit your request and that you are requesting them under CPR Pre-Action Protocol 4.6©. Copy the letter to the court. That should do it

 

Steven

 

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Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

[miamia51]

can anyone advise just been told by a good friend that abbey national have offerd him 30% of money asked from bank even though he sent off a letter to refuse it and said that he wants to take them to court abbey national refunded only £170 and took another £170 stateing it was for pending bank charges since he wrote off 10 weeks ago, that he feels do not exist, he is a student and needs every penny he has phoned up those people in the paper that say they can claim the charges for him for help, can he take them to court? can he do this by himself without help? his charges were for £870

[FightBack]

can anyone advise just been told by a good friend that abbey national have offerd him 30% of money asked from bank even though he sent off a letter to refuse it and said that he wants to take them to court abbey national refunded only £170 and took another £170 stateing it was for pending bank charges since he wrote off 10 weeks ago, that he feels do not exist, he is a student and needs every penny he has phoned up those people in the paper that say they can claim the charges for him for help, can he take them to court? can he do this by himself without help? his charges were for £870

 

miamia,

 

OK, calm down & take a deep breath!

 

First of all, sit down with your friend (2 heads are usually better than 1) and start at the top of this site. If your friend is smart enough to get on a degree course, this suggests he is more than capable of reclaiming his charges without some slimy carpetbagging bandwagon jumping company. There is a lot for your friend to learn from the site to effectively reclaim his charges, & I know students have better things to do (I was at uni for 5 yrs) but isn't it worth a bit of graft for £870 that he probably though he'd never see again.

 

Like I say, there's plenty of help here, but your friend needs to put the legwork in to benefit from it.

 

You/he should also start your own thread on the abbey section of the forum8)

[fincal]

hi everyone, i'm in a right state, i cant find lloyds (yes the dreaded) T&C. I opened the account in April '98, please can anyone help.

[millymollymoo]

Hi Please!! has anyone got barclays current account t & c's from 2001 -2004?

 

Milly XX

[welshcakes]

RBOS Royalties Account T&Cs circa 1989 - in .pdf http://www.britcom.org.uk/cag/Royalties_T&C_circa_1989.pdf

[welshcakes]

What appear to be Halifax's T&Cs circa Jan 2003 :Halifax - Bank Accounts

[bwdski]

It seems that the T&C's for Lloyds TSB 2001 are still proving to be elusive

[HSBCrusher]

laydeeeeees and genteeeeelmen.

 

we now have an address to send any T&Cs, so you dont need to bother with all that scanning business.

 

Consumer Action Group

PO Box 7481

Derby

DE1 0LE

[bwdski]

laydeeeeees and genteeeeelmen.

 

we now have an address to send any T&Cs, so you dont need to bother with all that scanning business.

 

Consumer Action Group

PO Box 7481

Derby

DE1 0LE

 

Excellent news!

[TANZARELLI]

Good news. Any news on the forum for people to download?

 

Tanz

[photoman]

It seems that the T&C's for Lloyds TSB 2001 are still proving to be elusive

 

If you send me a PM with an email address I can forward them to you.

 

Same applies to anyone else who needs them.

 

Photoman

 

PS: I haven't actually checked the new library we have to see if they are in there. Will do later, and send in if not there.

 

PPS: It was actually Tanzarelli who kindly gave me them, so thank him.

[bwdski]

If you send me a PM with an email address I can forward them to you.

 

Same applies to anyone else who needs them.

 

Photoman

 

PS: I haven't actually checked the new library we have to see if they are in there. Will do later, and send in if not there.

 

PPS: It was actually Tanzarelli who kindly gave me them, so thank him.

 

Thank you my man!

And thanks to Tanzarelli too

 

PM sent

[TANZARELLI]

Photoman,

 

LOL I have had so many I was just about to get you to send them back to me, but remembered I sent you a load.

[TANZARELLI]

 

Photoman

 

PS: I haven't actually checked the new library we have to see if they are in there. Will do later, and send in if not there.

 

 

What new library?

[bwdski]

Photoman,

 

LOL I have had so many I was just about to get you to send them back to me, but remembered I sent you a load.

 

What do we need to highlight in the T&C's to bring to the attention of the judge?

[TANZARELLI]

What do we need to highlight in the T&C's to bring to the attention of the judge?

 

Things like you must keep your account in credit blah blah blah or else we will charge you silly money.

 

Wording and terms that are showing that they have recently changed the wording to show that they are cloaking or vieling the charges in an attempt to make out they are providing you with a service which you don't want and is not useful.

 

Terms that show liquidated damages etc.

 

Tanz

[bwdski]

Things like you must keep your account in credit blah blah blah or else we will charge you silly money.

 

Wording and terms that are showing that they have recently changed the wording to show that they are cloaking or vieling the charges in an attempt to make out they are providing you with a service which you don't want and is not useful.

 

Terms that show liquidated damages etc.

 

Tanz

 

So is it an idea to have a copy of their most recent T&C's too, so that we can show what they've changed

[TANZARELLI]

For example in "LTSB A Guide to our Banking Charges" leaflet of 2001 it says clearly:

 

"If you decide you need an overdraft or think you might go overdrawn, please contact your branch. It's cheaper for you to arrange an overdraft in advance, rather that going overdrawn without agreeing it with us first. Setting up an overdraft costs you nothing. If you go overdrawn without agreement or go above an agreed limit, we charge you a higher rate of interest for this unauthorised borrowing."

[TANZARELLI]

So is it an idea to have a copy of their most recent T&C's too, so that we can show what they've changed

 

Yes you shouold be able to pull these of their website.

[ermie]

Hi I don't know if anyone can help but would like to proceed to court stage but I am reluctant without T&C. I have a business account with LLoyds Oct 2000. I have heard that those that have failed with their claims have done so because they have no T&C. I have asked my bank but funnily enough there was no-one in the business sector there the day I went in however will try again.

 

Ermie

[steven4064]

Write to them - it's always better. If the T&Cs haven't come by the time you have filed in court then write to their solicitors and request the T&Cs "pursuant to CPR Pre-Action Protocol 4.6©" - that should do it (eventually).

[ermie]

Thanks Steven will do. Do I need T & C for every year since I opened account or just the year I opened them?

 

Ermie

[steven4064]

You need them for the year you opened the account and for any year when (if) you changed the sort of account you have (eg if you signed up for a premium acount like NatWest's Advantage Gold)