Reclaim Your Bank And Card Charges

[newguy]

Handy info to know Shaun.....would you be kind enough to add their web address as I'd like to check this out.

Originally Posted by Shaun

Both are available for £2 from their websites with full information on too.

EVERYONE even if they think they are fine should check as I found a long list of issues with mine even though all my accounts are up to date.

Originally Posted by Shaun

Haven't heard anything is not as good as you think. Have you checked your credit file?

To be honest with you i cant check, closed alliance and leicester account, moved over to barclays and just opened a basic bank account with cash card...that way i cant spend what i dont have and im less liable to fraud.

And all these sites want your credit card..

[Shaun]

Originally Posted by TraxData

To be honest with you i cant check, closed alliance and leicester account, moved over to barclays and just opened a basic bank account with cash card...that way i cant spend what i dont have and im less liable to fraud.

And all these sites want your credit card..

You can order your credit file with a postal order if you don't want to give your details. But remember that you will possibly need credit in the future (or even a clean search for a job) - it's always worth checking.

---------- Post added at 00:05 ---------- Previous post was at 00:04 ----------

Originally Posted by newguy

Handy info to know Shaun.....would you be kind enough to add their web address as I'd like to check this out.

https://www.econsumer.equifax.co.uk/...erletter.ehtml

http://www.experian.co.uk/consumer/o...perReport.html

http://www.callcredit.co.uk/consumer/order-your-report

[AntiSilence]

Originally Posted by Shaun

Both are available for £2 from their websites with full information on too.

EVERYONE even if they think they are fine should check as I found a long list of issues with mine even though all my accounts are up to date.

I don't need to pay someone to tell me where my credit rating is! I flushed it down the toilet ages ago!

[newguy]

Thanks Shaun.


https://www.econsumer.equifax.co.uk/...erletter.ehtml

http://www.experian.co.uk/consumer/o...perReport.html

http://www.callcredit.co.uk/consumer/order-your-report

[/QUOTE]

[newguy]

Hi folks,

Just send the 'LETTER BEFORE ACTION' off today registered. This is the next letter saying they (banks) have a further 2 weeks to give me my money back or it's off to court we go. Hopefully I didn't leave it too late but only time will tell.

[shawty]

Originally Posted by newguy

Hi folks,

Just send the 'LETTER BEFORE ACTION' off today registered. This is the next letter saying they (banks) have a further 2 weeks to give me my money back or it's off to court we go. Hopefully I didn't leave it too late but only time will tell.

I thought you knew the charges have been put on hold until the court case finishes?

[newguy]

According to what I have been reading on the consumer action group website, they were saying to still get the cliams into court.

I have no idea as to why - but perhaps it will get actioned sooner that way, rather than doing so once the test case have finished?

That is me just guessing, perhpas someone on this tread can shed more light on the matter?

Originally Posted by shawty

I thought you knew the charges have been put on hold until the court case finishes?

[Xaccers]

If you bring the case to court, it will be logged, meaning the dates involved with the claim will be recorded and so won't expire even if they subsiquently pass the 6 year deadline (or at least that's my understanding of it).
Once the legal issues have been sorted, then the cases on hold will be progressed in accordance.

[Chrysalis]

I would log it for 3 reasons.

1 - as Xaccers said it stops the 6 year rule losing you money.
2 - A court can at its discretion still process claims.
3 - If in apperent financial diffilculties the claim is supposedbly to be processed.

[newguy]

Hi folks,

Thanks for all the info given so far. I have one other question, which is, will I need to see a Solicitor if I do end up having to make a court claim against the banks, or can I go solo?

Originally Posted by Chrysalis

I would log it for 3 reasons.

1 - as Xaccers said it stops the 6 year rule losing you money.
2 - A court can at its discretion still process claims.
3 - If in apperent financial diffilculties the claim is supposedbly to be processed.

[Xaccers]

Originally Posted by newguy

Hi folks,

Thanks for all the info given so far. I have one other question, which is, will I need to see a Solicitor if I do end up having to make a court claim against the banks, or can I go solo?

You can go solo

Hmm, seems you guys was right...i tried applying for current accounts elsewhere and got declined on all due to my credit rating (which was great till alliance screwed me over) ...going to write to the CEO now and try to get this sorted, its unfair on me!!!

[newguy]

Nice one.

Originally Posted by Xaccers

You can go solo

[popper]

Originally Posted by TraxData

Hmm, seems you guys was right...i tried applying for current accounts elsewhere and got declined on all due to my credit rating (which was great till alliance screwed me over) ...going to write to the CEO now and try to get this sorted, its unfair on me!!!

TD, as iv said here and elswere many times, people should really read SurleyBonds http://www.consumeractiongroup.co.uk...d-removal.html
and his other threads there, it really opens your eyes as to the tricks these companys use, and what your rights and actions are to get it put right, click it and READ IT.

once you understand that process and have sorted that out, theres not good reason not to also use the exact same options to put right all the other things companys or rather their personel try to pull, the ISPs could do with some action taken against them to put their antics right, do nothing and you help their cashflow, do something and you help your's.