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We strongly urge the Office of Fair Trading to continue their investigation into the fairness of personal current accounts. We also urge the Governmen to take action and ensure the OFT have the necessary resources to take the investigation forwards.     Following meetings between consumer groups, including Legal Beagles, Penalty…

In July 2007, the OFT, seven banks and one building society, and the Financial Services Authority, signed a litigation agreement with a view to bringing a test case to resolve the relevant legal issues concerning the fairness of unarranged overdraft charging terms under the Unfair Terms in Consumer Contracts Regulations…

McGuffick v RBS is an important case and one in which the judgment has been quite contentious. Creditors are using the case to threaten debtors with continued reporting to credit reference agencies despite being unable to show the enforceability of a consumer credit agreement in court. We would like to…

When any correspondence is received regarding the repayment of a debt, the first problem that needs to be addressed is:- Has the letter been received from your original creditor? This means exactly that, is the letter from the original company that any loan, credit card, account was taken out with.…

First Rule: NEVER talk to them on the phone as they will say anything to secure payment. Keep EVERYTHING in writing as this will supply an excellent paper trail should the need arise. Second Rule: Admit NOTHING. Now bear in mind that DCA’s are simply commission based “agents” and are…

LETTER # 1 Ask Your Creditors to Hold Action on Your Account Dear Sir/Madam Re:- Account Number: xxxxxxxxxxxx We wish to inform you of a recent change to our circumstances. We are seeking urgent advice and assistance regarding our current financial difficulties. To this end, we would very much appreciate…

Bank of Scotland v Mitchell case in the Leeds County Court. Derek R Halbert Designated Civil Judge, Cheshire. 12th March 2009. Mitchell Vs Bank of Scotland (June 2009) Below is the transcript of the recent Bank of Scotland v Mitchell case in the Leeds County Court. IN THE LEEDS COUNTY…

UNENFORCEABLE CREDIT AGREEMENTS MAY 2009 A letter from Designated Civil Judge Derek Halbert to all Cheshire Consumer Credit Act Claimants and Claims Management Companies and Solicitors dealing with has been posted on the forum Read Here . It states they have sought the agreement of Lord Justice Moore-Bick and Justice…