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Consumer Credit Agreements
Payment Protection Insurances
Credit Reference Agencies
27th June 2009

OFT v BANKS TEST CASE


Wondering what's happening ? Read HERE


CLAIMS STILL ON HOLD
KEEP PUTTING YOUR COMPLAINTS IN TO THE BANKS


Barclays Business Claimants - Another Barclays Business account claimant had his claim struck out in court last week and costs of £500 awarded against him.
See this thread for details of this and the previous Salford case where costs of £1000 were awarded against the claimant - READ HERE


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In the Chatroom:The most chatters online in one day was 11, 2nd July 2008.
No one is currently using the chat.
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Welcome to Legal Beagles.
WELCOME to Legal Beagles FREE consumer forum. You will need to register before you can post, and access our template letters and other forums. Click the Join link above to proceed. To start viewing threads, select the forum that you want to visit from the selection below. If you are already a Legal Beagles member, Welcome back, please log in to your account to continue.

  Forum Last Post Threads Posts
25th June 2009 16:01:PM Go to last post
73 941
WELCOME TO LEGAL BEAGLES
Pop in here and say Hi ..... you'll also find forum guidelines in here.
Sub-Forums: LB Newsletters, Forum User Guides
Yesterday 20:58:PM Go to last post
709 5,188
OFFICE OF FAIR TRADING - OFT v Banks Test Case
- about the Test Case, and other issues pertaining to the OFT.
View all Official Test case documents, Judgments & transcripts OFT v Banks // OFT v Abbey & ors.
Reports/news and test case information from the Office of Fair Trading and related issues. What's the latest on reclaiming bank charges, credit card charges etc ? OFT v Banks and about the other work the OFT undertake.
Sub-Forums: OFT v Banks Test Case Official Docs - Transcripts, Defences, POCs
Yesterday 13:10:PM Go to last post
378 4,250
issues specific to business claims
1st July 2009 09:31:AM Go to last post
9 177
Hardship Claims during the FSA Waiver
Hardship Claims - UPDATED for new FSA Waiver Hardship Guidelines reclaim bank charges during the OFT Test case -- post here if you would like assistance with your claim.
Sub-Forums: Hardship Claim Successes
2nd July 2009 12:54:PM Go to last post
133 3,440
Advice and Guides
Useful guidance and advice to assist with consumer debts, personal budgeting and dealing with a range of problems.
You will need to be a registered user to view this forum - registration is free
SPREADSHEETS & CALCULATORS SAMPLE LETTERS
Information and guidance in dealing with debts/creditors
Post in the DEBTS and Managing your finances (VIP) forums with your queries
Template letters to creditors if you are struggling to manage repayments
Personal Budget Sheet
 Private 7 17
Guidance and advice on the process of claiming a refund from your bank, loan company or credit card provider for unfair overdraft fees or missold PPI

Post in the HARDSHIP or BANKS forums with your queries
Template Letters for reclaiming charges
Template Letters for reclaiming PPI
Simple Interest Calculator Compound Interest Calculator
 Private 9 14
What to do if you are facing possible reposession, how to stop it, and surrounding information.

Post in the MORTGAGES forums with your queries
Private 4 11
Guidance and advice on what to do if you are being taken to court by your creditors.

Post in the 'Is your creditor suing you? ' forum for support
Received a court claim..what do I do ?
Private 5 6
Receiving letters/calls from DCA's ? ... Bailiffs threatened or visited ? ... Need to employ a bailiff ? Guides and information about dealing with debt collection agencies, Bailiffs and enforcement of judgements.

Post in the DEBTS or the Bailiff Issues forums for support
Letter for Council Tax Bailiffs
Private 9 26
All guides for the forum are also located here. There is also a simple to use index to the guides available.

 Private 1 1
LIBRARY
Information for reference and storage
Sub-Forums: Template Library & Letters, Contacts & Addresses, SPREADSHEETS and CALCULATORS, Banks Terms and Conditions and Standard Contracts
 Private 56 111
Useful information and links to statutes and acts such as the Consumer Credit Act, Data Protection Act, Tribunals, Courts and Enforcement Act 2007 and so on.
Sub-Forums: OPSI, EU Directives (relevant)
 Private 71 111
Private 21 33
Regulatory Bodies
Information and discussion pertaining to the UK's watchdogs, commissions, ombudsman and regulatory bodies.
28th June 2009 12:17:PM Go to last post
23 47
information reports and queries regarding using the FOS and up to date information on claims handling.
27th May 2009 09:13:AM Go to last post
21 85
by frisp
13th June 2009 08:09:AM Go to last post
1 37
information and discussion about CPR, practice directions and how to make the most of the county court.
19th June 2009 09:10:AM Go to last post
5 11
19th December 2008 22:50:PM Go to last post
6 51
Information and updates, and issues surrounding the Financial Services Authority
16th June 2009 17:16:PM Go to last post
69 326
LEGALITIES
Please register to access this area - Registration is FREE
Consumer credit agreements, queries, discussions and information on the CCA 1974 & 2006
2nd July 2009 18:55:PM Go to last post
49 477
Reclaiming misold PPI, issues surrounding PPI and the alternatives available.
by enaid
Yesterday 18:23:PM Go to last post
109 1,366
Discuss issues with CRAs here. Experian, Equifax etc . Default removal and other issues.
26th May 2009 17:47:PM Go to last post
19 135
Discussion and claims focusing on interest - simple, compound, contractual ..... what are you entitled to reclaim, what rates should you be paying, how is interest calculated, also links to spreadsheets.
25th June 2009 09:14:AM Go to last post
20 217
moving in together (Trust Deeds), Divorce, Contact Arrangements for children, division of property assets etc.
29th May 2009 20:41:PM Go to last post
29 195
This forum is dedicated to any employment related issues you may wish to post
by righty
Yesterday 22:34:PM Go to last post
76 530
For discussing amendments to CPRs,Statutes,Law, about the Court Service, and raise and discuss points and issues of law - including discussion regarding the Limitations Act. Please keep discussions on topic and don't post anything libellous.
by andrew1
18th June 2009 11:30:AM Go to last post
98 736
DEBT FORUMS
General Debt problems and issues.
Yesterday 18:51:PM Go to last post
305 4,391
Advice and support in dealing with the various DCA's
Sub-Forums: GoDebt, Cabot, Aktiv Kapital (UK) Ltd, Lowells
Last 3 posts:
Yesterday 18:17:PM Go to last post
by pt2537
Yesterday 11:17:AM Go to last post
1st July 2009 18:16:PM Go to last post
55 755
Issues relating to business debt
by Cetelco
20th June 2009 15:13:PM Go to last post
4 21
problems with benefits, entitilements, are the bank taking your benefits to pay their charges ?
30th June 2009 13:27:PM Go to last post
77 575
Have you received a court claim against you that you need help responding to or defending ? Post here and Legal Beagles Team will try and help you.
 Private 27 864
Any issues with Bailiffs - eg. JBW - Equita - Jacobs - Rossendales
by Amy
Yesterday 19:18:PM Go to last post
100 880
Are you being harrassed by your creditors ?
13th May 2009 15:15:PM Go to last post
13 84
Statutory Demands, Considering or being threatened with Bankruptcy, please post in here.
24th June 2009 17:18:PM Go to last post
16 193
discussion and information regarding the rise in use of credit unions and whether they are becoming a viable alternative to banks
by enaid
27th March 2009 06:47:AM Go to last post
13 58
Discussion on Budgeting, surviving the credit crunch and sharing hints and tips on making the most of your money.
by Luminol
20th May 2009 12:47:PM Go to last post
83 472
GENERAL CONSUMER ISSUES
Retailers, telecoms, vehicles & motoring, utilities.
Any issues at all....problems with warranties, delivery issues, services etc. Any consumer issue not covered in other forums should be posted in here.
by righty
Yesterday 15:27:PM Go to last post
236 1,950
Water, Gas, Electricity problems.....supply, billing, changing supplier.....
2nd July 2009 13:53:PM Go to last post
95 580
Telephone supplier, mobile contracts, ISP's ... problems with contracts, service and complaints.
by frisp
28th June 2009 06:32:AM Go to last post
53 452
Car loans, finance, faults. Parking issues. Fines and Tickets.
by righty
1st July 2009 18:58:PM Go to last post
44 498
This forum is dedicated to keeping your online experience safe and secure . It deals with the issues of internet security (viruses , spyware , adware , malware etc) , Spam , Email Scams , Phishing and many more issues.Please read carefully and feel free to post any questions.
Sub-Forums: Hoax Scams, EBaY
2nd July 2009 21:49:PM Go to last post
209 982
BANKS AND BUILDING SOCIETIES
See the LIBRARY for STEP by STEP GUIDE, Templates letters and more information. Hardship cases should view Here
All banking issues and claims threads should be posted in the relevant banks forum.
Sub-Forums: Abbey Bank, Alliance & Leicester, Barclays Bank - Woolwich, Co-operative Bank, Halifax & Bank of Scotland, HSBC Bank, Lloyds Bank, Natwest, Nationwide, Yorkshire Bank, Royal Bank of Scotland, Others
Last 3 posts:
Yesterday 09:41:AM Go to last post
2nd July 2009 08:31:AM Go to last post
1st July 2009 11:10:AM Go to last post
504 7,235
for general issues relating to all banks
24th June 2009 17:56:PM Go to last post
124 818
Are you a bank worker and have something to say or pass on information ? Do you have something you would like to ask bank staff ?
by enaid
28th April 2009 16:51:PM Go to last post
21 107
CREDIT CARDS
Post up details of your claim against your credit card provider.
Sub-Forums: Alliance and Leicester, Abbey, Barclaycard, Capital One, citicard, Egg, Goldfish, Marbles, MBNA, Morgan Stanley, Other Cards, HSBC Cards, Monument Card, Nationwide Cards, Natwest Cards, Mint Card, Lloyds TSB Card
Last 3 posts:
Yesterday 12:32:PM Go to last post
Yesterday 06:36:AM Go to last post
2nd July 2009 09:52:AM Go to last post
201 3,404
CLAIMS ASSISTANCE
Please use main banks forums for standard reclaims and issues relating directly to individual banks.
general business forum
by sagapal
16th June 2009 19:08:PM Go to last post
21 215
27th May 2008 08:42:AM Go to last post
5 22
INTERNATIONAL ISSUES
Bank charges, and credit facilities have similar issues in other countries. Notably the U.S. and Australia.
9th June 2009 08:23:AM Go to last post
84 138
EDUCATION AND FINANCE
Problems with student loans, budgeting as a student, benefits and help available, re-entering education and general support.
Thinking of re-entering education ? Problems with student loans ? What are your rights and entitlements ?
6th June 2009 11:30:AM Go to last post
17 94
PROPERTY ISSUES
Mortgage, Rental, Insurance
Any issues with terms, arrears, insurance claims and anything related to property.
by WendyB
1st July 2009 15:25:PM Go to last post
158 1,922
PRESS
Links and discussion of newspaper, television and radio articles.
Sub-Forums: Press RSS Feeds
by righty
Yesterday 23:36:PM Go to last post
5,222 9,171
Selected sites we recommend for information, help and advice. This forum is closed for posting.
15th March 2009 19:28:PM Go to last post
12 23
BEAGLES COMMUNITY FORUMS
The less formal part of Beagles.....
VIP Members Forum, The Lamp Post, Working Groups Forums, Support & Advice, Campaigns
COMMUNITY
The place for Beagle's to unwind, chill out, and have some fun.....off topic chat, funny stuff, fantasy leagues and general interest stuff you can't find a home for elsewhere.
Threads in this forum will appear empty unless you have registered with us - Registration is FREE
Sub-Forums: LB Meets, The EXC Files
 Private 1,505 24,259
Information, announcements and input regarding the maintenance of the site. If you have any technical issues please post them in here and Site admin will try and help. Forum help and Testing posts.
23rd May 2009 09:38:AM Go to last post
116 1,332
Music, Films, Television and other entertaining things.....
30th June 2009 15:14:PM Go to last post
85 1,634
VIP MEMBERS FORUM
Click here to subscribe to the VIP members forum - access to Chatbox, Stags Pants, Discussion & More...
FORUMS: VIP General Discussion ; VIP Claims & Working Forum ; VIP Managing your Finances ; Looking for work? ;
VIP Projects and Campaigns ; The Stags Pants
General chat, discussions and subforums - only accessible to VIP Members
 Private 197 2,717
Post your claims, tactics and legal issues here in the relative privacy of the VIP Members only forum.
 Private 68 2,099
Ideas, help and advice on general management of your finances. Money saving, budgeting....
 Private 40 920
Help, support and advice if you are seeking new employment or looking at returning to work after a break.
 Private 14 446
Projects, Campaigns and information not specific to individual cases.
Sub-Forums: PCA Report Response from Beagles
 Private 40 422
SUPPORT AND ADVICE
These forums contain useful information for a variety of personal situations. There are also private discussion forums available for womens issues and depression support. Please contact Sapphire or Amethyst.
This area is for discussing womens rights, offering advice and support in many areas. There is a private discussion forum available on application, we have to restrict this area to women only.
by shas
21st June 2009 16:39:PM Go to last post
15 35
This area can affect us in many aspects of our lives, not least on our finances. There is a private discussion forum which access can be applied for by contacting Celestine, Amethyst or Sapphire.
11th June 2009 21:19:PM Go to last post
11 83
This area is for discussing mens rights, offering advice and support in many areas
by PKea
17th April 2009 08:22:AM Go to last post
7 52
CAMPAIGN
Sub-Forums: Reports/releases and information, Citizens Advice Bureau
7th May 2009 12:52:PM Go to last post
88 263
problems with debt management companies, claims management companies and information from the Ministry of Justice & OFT.
by michael
2nd July 2009 19:03:PM Go to last post
43 317
THE KENNELS
Come here to discuss any issues with the Team that cannot be resolved on the forum. PM a team member to access this forum.
Mark Forums Read     View Forum Leaders


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Member Successes

Details of Hardship claim success can be found HERE

Recent CONGRATULATIONS go to;
Thriftkitten v Lloyds
hoops-morton v Abbey
Bloomingflower v Abbey
Starbug v Halifax
Derochelle v Lloyds
Laura v Lloyds
Tuttsi v Abbey
Outspoken v Abbey
Jester v First Direct
Travelgirl v Abbey
Shooter v Lloyds
Ladidi v Abbey
skintkim v Barclays
millie cat v Barclays
Tafflaff v HSBC
Archer v Natwest
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Arunadasi v Natwest
Valex111 v Hsbc
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This site is free to use but it does cost something to run, unfortunately. We do offer a VIP subscription area to members. ....To join click the link at the top of the VIP Forum or HERE

VIP members get access to more forums, social networking, customised profiles, chatbox and more.... come and join us
Help & Support
This year the credit crunch is making things harder than usual for people, if you do need support, or just want to talk, then there are people who want to listen.
SAMARITANS
08457 90 90 90

For housing and homelessness issues contact
SHELTER
0808 800 4444

Beagles have a private area if you need to let off steam.
Send a message to Sapphire if you would like to join our Women's or Depression forums.
Latest News
Send Email To Legal Beagles Press Contact
UPDATE 26/02/09

Awaiting Verdict of House of Lords
The Banks appealed the Judgment handed down by the High Court and affirmed by the Court of Appeal. The original Judgment said that banks terms regarding unauthorised overdraft charges were able to be assessed under the unfair terms in consumer contracts regulations(UTCCR 1999). If the disputed terms are found to be unfair the banks would have to repay consumers any charges they have incurred. Five Law Lords heard submissions from Jonathon Sumption QC and Geoffery Vos QC on behalf of the banks, and Jonathon Crow QC on behalf of the OFT, over the last three days. This hearing has now concluded and we await the decision from the Law Lords. This is expected to be in October 2009 but could be as early as mid July.
Read more on the appeal here
PRESS - Please contact Press@legalbeagles.info in the first instance for information.
Ofgem Completes Investigation Into Npower Tariff Changes

Read more on the report here
Competition Commission's final report on PPI released

Read more on the report here
Legal Beagles submit their response to the OFT PCA report

Read more on the OFT PCA report here
Hardship Successes
The Banks FINALLY appear to be getting their bums into gear and are helping people who are in hardship and suffering from crippling bank charges. In recent days we have seen First Direct, Lloyds, Halifax and Abbey make interim payments to consumers to assist with their financial difficulty whilst we await the outcome of the OFT v Banks test case in the High Court.

Read Here
Reclaiming Charges News
January 2009
Waiver has been reviewed and will now remain in place until July 2009 or the conclusion of the test case.

We recommend anyone who considers themselves to be in hardship to look at the terms of the waiver and consider reapplying to the Financial Ombudsman Service. This may not get you a refund but may see a halt on future charges and on debt collection for any overdraft debt caused by charges.
Please keep us informed in a thread on the site.
OFT v Banks Test Case


FSA waiver remains in place to July 2009

FSA to review waiver July 2009

PCA report published 16th July 2008

Test Case appeals held in October - OFT win
House of Lords Appeal - June - awaiting judgment
expected October

Read updates as they happen in our
OFT Test Case forum
 So keep an eye there and in the notice box at the top of the forum for the latest information.
Bank Charges Reclaiming
A Timeline
2005 First charge reclaims succeed
FEB 2006 Protest at OFT by Stephen Hone and SAFE
MAR 06 First news reports published
APR 06 OFT publishes report on Credit Card Default Fees
MAY 06 ITV1 Tonight programme dedicated to reclaiming bank charges was broadcast
DEC 06 OFT Protest by CAG, PC and IVA forum groups
MAY 07 Legal Beagles opens
JUL 07 OFT & Banks announce Test Case
JUL 07 FSA introduces Waiver
JAN 08 First Test Case Hearing
APR 08 Initial Judgement. Charges governed by fairness principles under UTCCR.
MAY 08 Case Management Conference to agree on appeals
JULY 08 Case Managment Conference to decide historical terms
JULY 08 FSA meet with Banks to discuss Hardship cases


JULY 08 OFT PCA published
JULY 08 FSA extend waiver to Jan 09
28 OCT 08 Appeals on Test Case Judgement
JAN 09 FSA extend waiver to July 09
JAN 09 Natwest 2002 Conditions deemed possible penal

26th FEB 09 Appeal Judgment handed down - permission to appeal refused
25th MAR 09 Banks petition House of Lords for permission to appeal
6th APRIL 09 Banks enter petition of Appeal
22nd MAY 09 Bank need to have all documents in to House of Lords
23 JUNE 2009 House of Lords Appeal Hearing
VIP News


Team Member "Budgie" filming for BBC1's 'the One Show' in April. A how to reclaim story with Dom.
Read more HERE
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Forum Policy
Advice given on this forum does not constitute legal or financial advice. Any information should be considered in regard to specific circumstances. All help is followed at your own risk and should be followed up with your own research.

Read the Forum Rules here
Your Money

According to members of the public, a single person in Britain today needs to earn at least £13,400 a year before tax to afford a basic but acceptable standard of living. This “minimum income standard”, based on the extensive deliberations of ordinary people supported by experts, shows the cost of covering basic goods and services for different household types.

Click to read the report.
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