thanks for that info james1..if you read above you will see i have posted regarding this...on a good note it is excellent that you have chosen to come on here freely and spend time with the community, i feel this can be said from everyones point of view..please remember we are only here to defend our rights as consumers and ensure that everything is complied with from all bodies who use our data. at the end of the day we have rights and as long as everyone complies with those rights there would be no cause for complaint or redress. it is our data and we will demand our rights are excercised on how it is applied, so please make room in your

I think you may need to do a little more research..... I thought much the same as you a few months back - ie, SURELY the banks won't let this go on for much longer - but the more you study the legalities involved, the more you realise that they really have'nt got much scope to fight back, no matter how many fancy lawyers they throw at the problem. If the banks were to find any sort of 'solution' to halt this flood of litigation, they would have found it by now, believe me! What I think is important to remember is, that the successes acheived against the banks are not in any way due to the exploitation of some sort of 'loophole' whi

good luck, hope it all go well for you

oh yes

OKIEDOKIE I am now about to file my claim - ill pop it here and if a prob can someone let me know please. Also the two qs underneath - re human rights -any ideas? Many thanks Claimant has account****** with Defendant from August 2000 conducted on their standard terms and conditions. Claimant is claiming the return of£1355, taken by Defendant in charges over 6 years. The Defendant has also charged overdraft interest on the charges totalling £416.21. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 a

You are being too nice to them. Try this version, lifted from another thread. Good luck.

This is normal. You will receive an Allocation Questions. There are guidance notes on how to fill this in within the bank templates library. You need to send it back with payment....an offer of settlement usually follows shortly after that.

thanks!...ill get drafting a letter to send to the court asking to amend my claim to add interest and extra charges....thanks again! ps i clicked on the scales to "add to your reputation"

No reason why you cannot claim for multiple accounts on the same MCOL action. Do your homework and ensure all the data is there. If they query any part of the information on any of the accounts it will delay the whole action. Not a major problem but something to consider.

Wonder, Send the prelim letter stating that you accept the gesture as part payment only and will continue with your action to reclaim the outstanding amount plus interest. 10 - 12 days after sending the prelim letter ring Gareth Tunnicliffe, 01244 672628, and ask for the remaining balance plus the interest on the whole £1400. They usually go away, calculate the interest, ring you back in an hour and offer full settlement. This is what has been happening more and more. Obviously, if they don't offer full settlement, then continue with the process. To be honest it is a whole lot easier to make the phone call than going through the whole ac

from my civil lit book 2006/2007 legal practice guide amendments with permission after a party has served his statement of case he can amend it only with either a. the written consent of all the parties; or b.. the permission of the court On making an application for permission to amed the statement of case, the applicant should file a copy of the statement of case with the proposed amendments along with the application notice. If the court grants permission for the amendment, the applicant must fIle the amended statement of case and serve the order and the amended statement of case on all other parties. T

Second from last para then. Mr X was alerted to the liklihood of gaining a refund of his bank charges by subscribing to a specialist forum web site that helps invividuals who have experienced poor customer service. www.consumeractiongroup.co.uk is populated by individuals who continually prove that community is far from dead. (a little too sychophantic? )

Haeda letter from DG solicitors telling me that they were waiting for a response to the letter they sent on the 21st ( my half offer) so I have redone the refusal letter and faxed to thenm as well as posting another copy. Waste of a week that was!!!!!!!!!!

In the bank templates library there is a Letter Before Action you can use giving them 7 days to provide the information or you will take action against them for not complying.

The mind boggles that so many people working in call centres can have embedded this "industry practice" into some sort of urban myth within their brains....that's if they've got any!?!? This is THE ENTIRE section of the Consumer Credit Act 1974 (As amended) and all that it says about Credit Reference Agencies other than the definition of one is. It contains all mendments added in for all statutory updates to the present day (i.e. where other Acts have amended certain words/phrases or removed words/clauses/etc.). If you can spot anything about six years markers on defaults (unless ordered so by a County Court judge -which is another

Hi There is no need at this stage to worry about. The CD & Transcript would only be needed only if you are attending court, Which is a very unlikely situaion At this stage do the LBA - Letter Before Action, which will more and likely be a NO responce by lloyds Then Money calim online Then just wait for the allocation questionnaire, and that is only when I put down about the Transcript and CD, and i'll let you know what i put down on the form as you get there Please Do not worry, just sit back relax and wait, the money is yours and they will in 99.99% cases settle before actual court date. Just its going to be

For those that have looked at their statements and may be wondering, what can i claim for?, and why are the descriptions confusing?, what about the overdraft interest is that claimable aswell? wonder no more. you can claim for anything which is deemed a penalty charge, which includes: returned direct debits, card mis-use, unpaid standing order, unpaid item, exceeding your overdraft, overdraft interest (see below), total charges (see below) notifed fees Unauthorised overdraft arrangement fees (more will be added as and when confirmation is found) you can not claim for: ATM (cash machine) usage (typica

Evening.. just saw this when I was surfing, so popped it in a post. http://www.consumeractiongroup.co.uk/forum/showthread.php?p=86925#post86925