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Welcome to Legal Beagles Consumer Forum.
Hello and welcome to Please take the time to register yourself to enjoy the benefits of the site. Registration is FREE and only takes two minutes. Your viewing experience may be limited to the first post only in certain forums without registration. Once registered introduce yourself in our Welcome Forum We find it easiest to help people keep track of their queries and claims if you create a new thread for separate issues and use those threads to view replies and respond. Have a read about the site, and please don't be afraid to ask ANY questions. Any problems, queries or if you wish to speak in confidence, feel free to contact us by email at admin@legalbeagles.info If you have already joined us, WELCOME BACK, just log in above to continue

  Forum Last Post Threads Posts
Latest Announcements and Important Information
Last 2 posts:
23rd August 2010 17:27:PM Go to last post
17th August 2010 14:29:PM Go to last post
148 1,550
WELCOME TO LEGAL BEAGLES
Pop in here and say Hi ..... you'll also find forum guidelines in here.
Sub-Forums: Forum User Guides
by TUTTSI
Yesterday 09:17:AM Go to last post
1,143 7,024
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 - Register now ! 7 18
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 - Register now ! 7 13
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 - Register now ! 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 - Register now ! 6 8
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 - Register now ! 9 26
  LIBRARY
CAMPAIGNS - FIGHTING FOR A FAIRER FUTURE
4th September 2010 06:40:AM Go to last post
165 408
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 ....
by EXC
4th September 2010 06:49:AM Go to last post
45 267
problems with debt management companies, claims management companies and information from the Ministry of Justice & OFT.
1st September 2010 21:19:PM Go to last post
163 1,929
OFFICE OF FAIR TRADING
All issues pertaining to the OFT.
Reports/news and test case information from the Office of Fair Trading and related issues.
by leclerc
1st September 2010 20:30:PM Go to last post
557 7,208
Bank Charges
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.
28th August 2010 22:29:PM Go to last post
59 693
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 ?
by thincat
2nd June 2010 17:01:PM Go to last post
22 246
Regulatory & Advisory Bodies
Information and discussion pertaining to the UK's watchdogs, commissions, ombudsman and regulatory bodies.
information reports and queries regarding using the FOS and up to date information on claims handling.
1st September 2010 16:29:PM Go to last post
41 169
News, Information and discussion
by TUTTSI
22nd June 2010 18:20:PM Go to last post
23 84
as it says on the tin :)
Today 10:31:AM Go to last post
12 69
Information and updates, and issues surrounding the Financial Services Authority
24th August 2010 23:11:PM Go to last post
109 460
LEGALITIES
Please register to access this area - Registration is FREE
Consumer credit agreements, queries, discussions and information on the CCA 1974 & 2006
230 2,723
Reclaiming misold PPI, issues surrounding PPI and the alternatives available.
210 1,866
Discuss issues with CRAs here. Experian, Equifax etc . Default removal and other issues.
3rd September 2010 08:14:AM Go to last post
36 257
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.
31st August 2010 21:21:PM Go to last post
23 247
moving in together (Trust Deeds), Divorce, Contact Arrangements for children, division of property assets etc.
by shamen
26th August 2010 13:45:PM Go to last post
52 306
This forum is dedicated to any employment related issues you may wish to post
2nd September 2010 18:53:PM Go to last post
124 802
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.
2nd September 2010 20:08:PM Go to last post
164 1,114
DEBT FORUMS
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.
103 2,372
Hardship - help and advice for people suffering with financial difficulties.
27th August 2010 14:12:PM Go to last post
227 4,254
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
376 3,119
Statutory Demands, Considering or being threatened with Bankruptcy, please post in here.
Yesterday 23:12:PM Go to last post
24 252
Issues relating to business debt
19th August 2010 14:42:PM Go to last post
20 116
Issues surronding Council Tax, payment, liability orders, bailiffs.....
21st August 2010 10:00:AM Go to last post
19 138
General Debt problems and issues.
Today 09:53:AM Go to last post
451 6,509
Are you being harrassed by your creditors ?
by Leeloo
Yesterday 11:14:AM Go to last post
21 138
Advice and support in dealing with the various DCA's
Last 3 posts:
Today 10:55:AM Go to last post
4th September 2010 22:19:PM Go to last post
199 2,227
problems with benefits, entitilements, are the bank taking your benefits to pay their charges ?
31st August 2010 11:37:AM Go to last post
99 670
Retail Loss Prevention, RLP Ltd, Drydens etc ... issues and problems
1 5
discussion and information regarding the rise in use of credit unions and whether they are becoming a viable alternative to banks
3rd July 2010 21:30:PM Go to last post
14 62
Discussion on Budgeting, surviving the credit crunch and sharing hints and tips on making the most of your money.
2nd September 2010 14:35:PM Go to last post
109 605
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.
Yesterday 23:11:PM Go to last post
315 2,489
Water, Gas, Electricity problems.....supply, billing, changing supplier.....
2nd September 2010 14:55:PM Go to last post
126 767
Telephone supplier, mobile contracts, ISP's ... problems with contracts, service and complaints.
by Cetelco
1st September 2010 22:34:PM Go to last post
89 655
Car loans, finance, faults. Parking issues. Fines and Tickets.
by Ricardo
28th August 2010 00:31:AM Go to last post
85 783
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
by leclerc
29th August 2010 15:17:PM Go to last post
251 1,342
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.
Last 3 posts:
2nd September 2010 20:56:PM Go to last post
668 9,016
for general issues relating to all banks
by Jimbo
3rd September 2010 21:15:PM Go to last post
182 1,040
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 ?
8th August 2010 12:00:PM Go to last post
24 140
CREDIT CARDS / STORE CARDS
Post up details of your claim against your credit card provider.
Last 3 posts:
Today 09:55:AM Go to last post
by Budgie
Yesterday 23:51:PM Go to last post
371 5,545
eg: Littlewoods, Next, Simply Be
1st August 2010 16:35:PM Go to last post
20 190
CLAIMS ASSISTANCE
Please use main banks forums for standard reclaims and issues relating directly to individual banks.
general business forum
by shell
29th July 2010 18:11:PM Go to last post
23 228
27th May 2008 09:42: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.
15th August 2010 12:58:PM Go to last post
98 188
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 ?
by leclerc
1st September 2010 20:28:PM Go to last post
25 140
PROPERTY ISSUES
Mortgage, Rental, Insurance
Any issues with terms, arrears, insurance claims and anything related to property.
235 2,519
PRESS
Links and discussion of newspaper, television and radio articles.
Sub-Forums: Press RSS Feeds
6,324 10,947
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 Beagles 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 - Register now ! 1,840 31,084
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.
by pt2537
2nd September 2010 22:45:PM Go to last post
133 1,478
Music, Films, Television and other entertaining things.....
by leclerc
4th September 2010 20:17:PM Go to last post
101 1,808
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
VIP is a PRIVATE forum for subscribed users of LB - please remember things are posted in here to keep them out of general public view so shouldn't be discussed or copied into public areas unless permission is given by the poster
Copies of judgments, and links to relevant case law in the areas of CCA, PPI, and other financial claims. - Some of this information may not be available publicly so if we can please ask for things not to be copied onto the main forum :)
Private - Register now ! 9 17
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.
Care Homes / Bereavement / Probate / Wills
18th August 2010 09:57:AM Go to last post
11 45
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.
20th June 2010 16:41:PM Go to last post
15 36
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.
by Amy
29th April 2010 17:04:PM Go to last post
12 88
This area is for discussing mens rights, offering advice and support in many areas
19th September 2009 09:11:AM Go to last post
7 53
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.


Latest Posts
Latest 2 Posts Forum Author
ODC vs GO Debt Today 10:55:AM GoDebt.co.uk sapphire
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Legal Beagles is a FREE forum offering support, discussion & advice in many areas of your
life. Made up of dedicated &
enthusiastic individuals who are experienced in consumer issues. Most of us are fighting, or have successfully fought, our own
battles against the major
financial institutions.





BIS – Call for Evidence Consumer Rights Directive: Allowing Contingent or Ancillary Charges to be Assessed for Unfairness

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EVERYONE WELCOME
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Sat 16th October 2010
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THE FACTS

• You cannot be sent to prison for being unable to pay your council tax
• Bailiffs cannot telephone the police to help them gain access to your property
• Bailiffs cannot break in to your home if you have previously not allowed them peaceful entry
• They are not permitted to push past you if you open the door to them
• You are not obliged to sign anything they may hand you or post through your letter box
• You are not obliged to talk to them either in person or on the telephone
• The only fees a bailiff is permitted to charge are those prescribed in The Council Tax (Administration and Enforcement) Regulations 1992 - Schedule 5
• They cannot charge for sending you letters
• A maximum of two visits can be charged for, but only if the visits are made on separate dates
• A reasonable van fee can only be charged following a valid levy
• It is illegal for bailiffs to charge any non-prescribed fees, for example credit/debit card fees - this is fraud
• It is illegal for bailiffs to charge for work they have not carried out, for example visits they have not made - this is fraud
• The local council are vicariously liable for the actions of the bailiffs they employ
• A council can recall the debt from the bailiff
• Bailiffs must be courteous and professional at all times

VISIT OUR BAILIFF FORUM HERE



This year the credit crunch is
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