Pop in here and say Hi ..... you'll also find forum guidelines in here.

Sub-Forums: LB Newsletters, Forum User Guides

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

Following the judgment in OFT v Banks test case this forum is for people who have their claim currently held in the courts system or who have received dismissal / strike out notifications.

Following the judgment what should you do with your claim for return of unfair charges if your complaint is with the Financial Ombudsman or Banks complaints system ?

issues specific to business claims

Relevant consultations from the BERR/BIS, FSA, Ministry of Justice, Office of Fair Trading and others - working towards a fairer future. Legal Beagles have seen the positive impact consumers can have by contributing to a consultation - many of our submissions on the OFT PCA Market Study are going forwards for implementation - we need to, and CAN, do more ....

Sub-Forums: Closed Consultations, PCA working forum, FREEDOM of INFORMATION requests and responses

Hardship - help and advice for people suffering with financial difficulties.

Sub-Forums: Hardship Claim Successes

Information for reference and storage

Sub-Forums: Template Library & Letters, Contacts & Addresses, SPREADSHEETS and CALCULATORS, Banks Terms and Conditions and Standard Contracts

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)

information reports and queries regarding using the FOS and up to date information on claims handling.

News, Information and discussion

Information and updates, and issues surrounding the Financial Services Authority

Consumer credit agreements, queries, discussions and information on the CCA 1974 & 2006

Reclaiming misold PPI, issues surrounding PPI and the alternatives available.

Discuss issues with CRAs here. Experian, Equifax etc . Default removal and other issues.

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.

moving in together (Trust Deeds), Divorce, Contact Arrangements for children, division of property assets etc.

This forum is dedicated to any employment related issues you may wish to post

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.

General Debt problems and issues.

Sub-Forums: Welcome Finance / Cattles

Advice and support in dealing with the various DCA's

Sub-Forums: GoDebt.co.uk, Cabot Financial, Aktiv Kapital (UK) Ltd, Lowell Group - Financial Debt Purchase Specialists

Issues relating to business debt

problems with benefits, entitilements, are the bank taking your benefits to pay their charges ?

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. Over 95% of debt claims bought in court go undefended.

Retail Loss Prevention, RLP Ltd, Drydens etc ... issues and problems

Any issues with Bailiffs - eg. JBW Enforcement - Equita - Jacobs - Rossendales - Marston Group - Swift - Bristow & Sutor - Philips - Crichtons - Dukes - Rundle & Co - Newlyn PLC - Phoenix Commercial - Swift Credit Services Task Enforcement - CCS Enforcement

Issues surronding Council Tax, payment, liability orders, bailiffs.....

Are you being harrassed by your creditors ?

Statutory Demands, Considering or being threatened with Bankruptcy, please post in here.

discussion and information regarding the rise in use of credit unions and whether they are becoming a viable alternative to banks

Discussion on Budgeting, surviving the credit crunch and sharing hints and tips on making the most of your money.

Any issues at all....problems with warranties, delivery issues, services etc. Any consumer issue not covered in other forums should be posted in here.

Water, Gas, Electricity problems.....supply, billing, changing supplier.....

Telephone supplier, mobile contracts, ISP's ... problems with contracts, service and complaints.

Car loans, finance, faults. Parking issues. Fines and Tickets.

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

All banking issues and claims threads should be posted in the relevant banks forum.

Sub-Forums: Abbey / Santander Bank, Alliance & Leicester, Barclays Bank - Woolwich, Co-operative Bank, Halifax & Bank of Scotland, HSBC Bank, Lloyds Bank, RBS / Natwest, Nationwide, Yorkshire Bank, Royal Bank of Scotland, Others

for general issues relating to all banks

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 ?

Post up details of your claim against your credit card provider.

Sub-Forums: Alliance and Leicester, Abbey / Santander, Barclaycard, Capital One, citicard, Egg, Goldfish, Marbles, MBNA, Morgan Stanley, Other Cards / Store Cards, HSBC Cards, Monument Card, Nationwide Cards, RBS / Natwest Cards, Mint Card, Halifax / Bank of Scotland Cards, Lloyds TSB Card

eg: Littlewoods, Next, Simply Be

general business forum

Any issues with terms, arrears, insurance claims and anything related to property.

Links and discussion of newspaper, television and radio articles.

Sub-Forums: Press RSS Feeds

Selected sites we recommend for information, help and advice. This forum is closed for posting.

Sub-Forums: LB Meets, The EXC Files

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.

Music, Films, Television and other entertaining things.....

Care Homes / Bereavement / Probate / Wills

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.

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.

This area is for discussing mens rights, offering advice and support in many areas

Sub-Forums: Reports/releases and information

Information and discussion regarding free debt advice/support charities/organisations such as Citizens Advice / CCCS (Consumer Credit Counselling Service etc.

Sub-Forums: Citizens Advice Bureau

problems with debt management companies, claims management companies and information from the Ministry of Justice & OFT.