Search results

Create the page "Legal Information" on this wiki! See also the search results found.

• Main Page
  Whilst every effort is made to ensure the accuracy of the information held in the wiki, it IS a publicly editable resource and therefore no guara ...t shows them that you have the support of more than 165,000 users and free legal advice. They are also aware of our ethos of NOT giving up and our assertio
  3 KB (470 words) - 17:27, 11 March 2008
• Subject Access Request
  ...a request sent from a [[data subject]] to a [[Data Controller]] requesting information about themselves. It is a legal requirement under the [[Data Protection Act (DPA)]] for the data controller
  5 KB (805 words) - 17:53, 3 August 2009
• Guide to reclaiming bank charges
  ..., however, find it much easier to supply you with copy statements. Earlier information may be supllied on Microfiche printouts. The data should be supplied within 40 calender days, ONLY complain to the Information Commissioners Office if the 40 days has expired and not before.
  23 KB (4,026 words) - 16:30, 23 July 2007
• Barclays
  If You Have This Information Please edit here or PM a Moderator Legal: Litigation and Disputes<br>
  2 KB (316 words) - 19:23, 24 April 2009
• Things you really need to know
  ...of important Data Protection issues. These issues include the obtaining of information (Subject Access Requests – SARs) from the banks as to the unlawful charge A. Personal data is any information about you which can be linked back to you as an identifiable data subject e
  27 KB (4,717 words) - 19:50, 3 May 2009
• Isle of Man Claims
  If there is specific information which you require in order to satisfy yourself as to my identity, please le ...1991. If you do not understand what this means then seek advice from your legal department.
  12 KB (2,030 words) - 17:17, 10 July 2007
• FAQ
  '''Legal FAQs here do not apply to Scotland (Civil procedure)''' ...here. The Group makes no guarantee of the accuracy of any of the advice or information which is provided on these pages and you are advised to apply your own judg
  19 KB (3,443 words) - 16:08, 10 May 2014
• Going to court
  ...rom register or whatever you have agreed - including the suspension of all legal action. The written agreement is put before the judge who will record it an The problem is that you have no access to the banks accounting information which will let you actually demonstrate to the court exactly what it does c
  18 KB (3,553 words) - 17:30, 13 July 2007
• Legal Disclaimer
  All the information held in here is the property of Reclaim The Right Ltd and must not be repro ...mation contained here, it IS A PUBLICALY EDITABLE database and as such the information here has not been verified.
  586 bytes (97 words) - 17:16, 10 July 2007
• Creditors and DCAs
  ...o commence proceedings in the county court against us. The commencement of legal proceedings under such circumstances could be counter to the ‘Overriding Please take the following special information into account when making your decision.
  34 KB (5,248 words) - 20:02, 1 October 2011
• List of legal cases relating to penalties
  [http://www.bailii.org/ British and Irish Legal Information Institute]<br>
  2 KB (371 words) - 16:52, 30 June 2007
• Scottish Step by Step
  ...a Subject Access Request under the Data Protection Act 1998 to receive all information held by them about you. Make sure you specidfically ask them to include a l ...send a final letter demanding the bank repay your charges, and threatening legal action if they don’t. At this stage you should decide if you are going to
  10 KB (1,652 words) - 19:59, 3 May 2009
• The Unfair Contracts Terms Act
  [[Category:Legal Information]]
  279 bytes (43 words) - 15:24, 8 June 2007
• The Unfair Terms in Consumer Contracts Regs. 1999
  [[Category:Legal Information]]
  284 bytes (41 words) - 15:27, 8 June 2007
• The Sale of Goods Act
  [[Category:Legal Information]]
  181 bytes (31 words) - 15:28, 8 June 2007
• The Supply of Goods and Services Act 1982
  [[Category:Legal Information]]
  132 bytes (19 words) - 15:30, 8 June 2007
• Theft Act
  [[Category:Legal Information]]
  129 bytes (16 words) - 15:31, 8 June 2007
• Small Claims Procedure (Book)
  ...seeking to bring their own action in the County Court without professional legal help. At 300 pages I would normally have expected something far more techni ...Small Claims Court and a very good chapter on the hearing itself, lots of information about what is expected of you and how to conduct it.
  7 KB (1,136 words) - 14:46, 18 November 2007
• How to Complain - A Comprehensive Guide
  ...rd the conversation. As it is for your own personal use, this is perfectly legal and you do not need to advise the other person that you are recording the c '''[http://www.howtocomplain.com/ howtocomplain]''' has good general information on all types of consumer complaints.
  28 KB (4,524 words) - 12:03, 20 January 2008
• Compaints letters
  '''[http://www.howtocomplain.com/ howtocomplain]''' has good general information on all types of consumer complaints. Legal Section: Legal tips and reminders.
  14 KB (2,299 words) - 11:20, 20 January 2008
• Allocation Questionnaire
  ====Section G - Other Information ==== ...er will help the judge to manage or clarify the claim, including any other information you consider should be supplied by the other party.
  20 KB (3,220 words) - 20:31, 8 May 2008
• Debt: Glossary of Terms
  '''Bankruptcy''' - A legal procedure that writes off all debts (with a few exceptions). You or one of ...rds during an application for credit. For example, banks that provide only information on accounts with a history of arrears can view only defaulted and delinquen
  21 KB (3,548 words) - 18:16, 27 September 2008
• Office of Fair Trading
  ...on so far. However, this information may be available under the Freedom of Information Act. This has yet to be tested.
  1 KB (178 words) - 21:09, 8 July 2007
• Bailiffs: Types and Fees
  ...anager of the member company involved if there is a grievance. No specific information about the full CBA complaints procedure is included, although they have agr ...s hoping to expand the scope of the exam with the help of the Institute of Legal Executives. Membership of the Association is open to anyone who wishes to t
  22 KB (3,559 words) - 17:30, 3 March 2008
• Data Protection Act: Non-Compliance
  ...not complying, are being compounded by delays in follow-up action from the Information Commissioners Office. Feedback also suggests that the Information Commissioners Office are choosing to write to the bank requesting they comp
  11 KB (1,680 words) - 16:09, 30 December 2008
• Step By Step Guide
  '''This information is a guide only - your case may not unfold in this way - but the majority h ...in contracts in English (and Scottish) law for breach of contract are not legal if the penalty exceeds the actual cost of the breach of either party.
  14 KB (2,594 words) - 17:07, 13 July 2007
• Small Claims FAQ
  ...ms but if you have any doubt, a Consumer Advice Centre (e.g. the Community Legal Service at www.justask.org.uk) or a Citizens' Advice Bureau can be of great ...ere it may be wiser to sacrifice the additional £200 for recovery without legal fees.
  19 KB (3,375 words) - 23:25, 11 July 2007
• Account in Dispute Letters
  We may give information to Credit Reference Agencies about the personal debts you owe us if: ...y adverse comments on my credit reference files, I shall be forced to take legal action against you under the Data Protection Act 1998.
  7 KB (1,081 words) - 11:45, 9 May 2008
• Court Bundle For Dummies
  ...quired for a court appearance, the directions from a judge to provide this information or as a result of you having asked for the draft order to be made a directi If you have trouble opening the zip file GuidoT has kindly offered the legal bits of this in a pdf format. See this post [http://www.consumeractiongroup
  5 KB (920 words) - 19:45, 18 July 2007
• Examples of Witness Statements / Disclosure by List / Draft Directions / Case Summary
  3.I make this Witness Statement from information and facts within my own knowledge and which I believe to be true. d) Copies of decided cases and other legal materials to be relied upon.
  14 KB (2,133 words) - 15:49, 14 July 2007
• Statement of Evidence
  <span style="color:blue">text in blue - examples. Replace with your own information. </SPAN> ...e definition of 'breach of contract' to be the failure of a party, without legal excuse, to perform a contractually agreed obligation pursuant to any or all
  42 KB (6,804 words) - 12:46, 21 July 2007
• Mis-Claim Tutorial
  ...make (and more often than you would think possible, given all the help and information available) You are taking on a multi-national company with unlimited financial and legal resources. The very least you should do is to have good idea of the overall
  5 KB (901 words) - 12:42, 21 July 2007
• Draft Direction Order
  d) Copies of decided cases and other legal materials to be relied upon. f) Copies of decided cases and other legal materials to be relied upon.
  8 KB (1,316 words) - 20:25, 14 July 2007
• Data Protection Act Non-Compliance - Particulars of Claim
  The Information Commissioner has indicated that these claims should be dealt with in the Sm ...f additional correspondence and time spent preparing documents and seeking legal advice, I estimate this cost to be £...........
  4 KB (579 words) - 16:42, 16 July 2007
• Case management Information Sheet
  ...ation to the Hearing that the claimant is to send a CPR 59 Case Management Information Sheet (CMI sheet) to the Court prior to the hearing. Other Mercantile Court <center>'''Case Management Information Sheet'''</center>
  19 KB (3,271 words) - 21:46, 15 July 2007
• Citizens Advice Bureau
  ...lps people resolve their legal, money and other problems by providing free information and advice from over 3,000 locations, and by influencing policymakers. ...standards for advice and equal opportunities and supports bureaux with an information system, training and other services.
  1 KB (180 words) - 19:35, 21 July 2007
• OFT Test Case
  '''3. How does the decision to focus on three banks affect the ongoing legal Our investigation continues in parallel to any legal proceedings. If our
  39 KB (6,453 words) - 17:19, 4 May 2009
• OFT v The Banks: Read This If You're Worried
  ...gh the FOS, then your case will be put on hold. But there is absolutely no legal reason not to stick to your deadline and start your court claim as previous ...from the court telling that your claim has been stayed. You then have the legal right to apply for the stay to be set aside. (Updated template for this on
  7 KB (1,321 words) - 14:20, 23 January 2008
• Application for Removal of Stay: Updated
  ...ch I did manage to obtain. The banks would also remain at liberty to bring legal proceedings against me for the recovery of any debt which mostly or entirel ...from making any entry on its own systems or from communicating any similar information to any third party about any matter insofar as it relates to penalty charge
  8 KB (1,286 words) - 20:30, 22 August 2007
• Consumer Credit Litigation: Basic Guide
  ...g to write a defence before you have any information… you need to gather information at the first stages, it is also important to realise that it’s quite ofte '''Fifth,''' you need to get information, so you will send the letter I post under this thread by special delivery.
  24 KB (4,342 words) - 10:33, 29 June 2008
• Lloyds Witness Statement
  ...l advice. If in doubt, you must seek the advice of a qualified and insured legal professional. ...up some case notes based around these main points and try to research the legal principles as much as possible.
  51 KB (8,518 words) - 20:51, 22 August 2007
• Abbey: Court Bundle & Witness Statement
  '''3.''' I make this Witness Statement from information and facts within my own knowledge and which I believe to be true. ...plaint and requesting that the Defendant either justify the legitimacy and legal status of its charges or alternatively refund them.
  31 KB (5,020 words) - 16:21, 22 August 2007
• Consumer Credit Act template
  ...e terms, you are asking the Creditor/Collector to prove that they have the legal right to demand payment from you. You should send a CCA request when you require more information about your account, or when you genuinely dispute a creditor's right to col
  6 KB (1,010 words) - 22:56, 4 January 2010
• Statutory Demands
  When properly served, and it has to be formally served this is a legal notice from the creditor to the debtor giving them 21 days to settle the de ====Legal Loophole in a Statutory Demand====
  14 KB (2,464 words) - 16:36, 11 June 2010
• Consumer Rights
  ...n idea of where problem areas existed. Now, with a national database, such information can be gathered and used. and what can it be used for? ...seller, and it is for them to provide the remedy. By not insisting on your legal rights, you are again rewarding the seller for poor performance and also te
  7 KB (1,289 words) - 12:09, 9 July 2009
• Dealing With Debt: Insolvency
  ...County Court. Whilst the order is in place, your creditors cannot take any legal action against you, without the permission of the Court. ...xceptions, such as fines or student loans) and your creditors will have no legal right to pursue you for them. However, Bankruptcy is not a 'get out of jail
  11 KB (2,046 words) - 02:09, 18 November 2007
• OFT Test Case: Reply to Banks Defence
  ...ntinuing to request and analyse information supplied by the banks. Further information on this investigation will be published after the judgment has been deliver After reviewing interactions with court proceedings and taking legal advice it has been decided that the findings of the market study into banks
  1 KB (213 words) - 12:54, 20 March 2008
• PPI: Documents for Bundle
  ...on the forum - and of course, you are reminded that you should seek proper legal advice before proceeding with any claim. ...seful in that it establishes that a customer should be able to rely on the information given, and that even without an intent to misrepresent, if the consequences
  7 KB (1,075 words) - 00:09, 19 December 2007
• Debt: Where to Get Help
  *Download an information pack to deal with your debt problems. *Visit the debt advice section to get information that may help you deal with your debt problem.
  11 KB (1,634 words) - 23:21, 21 March 2008
• Notice of Correction
  ...r the Data Protection Act 1998 and Consumer Credit Act 1974 to dispute the information held about you if you believe it is not correct. ...u write to them within 6 months of receiving your credit file. Most of the information they hold is updated on at least a monthly basis, therefore a credit file t
  3 KB (601 words) - 23:05, 9 December 2007
• Bankruptcy
  ===The information below is of a very general nature. Yoy should always seek independent, prof *Legal, Medical and Accounting bills
  26 KB (4,454 words) - 22:07, 11 December 2007
• Bankruptcy: Glossary of Terms
  ...to see the debtor, but will simply make the Bankruptcy Order, based on the information provided. ...the Bankruptcy Order being made. The interview duration will depend on the information provided and/or the complexity of the case.
  40 KB (6,524 words) - 23:32, 11 December 2007
• Debt Management Plan
  *Debt Management Plans have no legal standing. *a lot of debt information is needed.
  33 KB (5,767 words) - 22:25, 13 December 2007
• Private Parking Tickets: Template Letters
  ===IMPORTANT INFORMATION=== ...oes not constitute legal advice and is not represented as a substitute for legal advice from an appropriately qualified person or firm.
  13 KB (2,013 words) - 18:13, 14 February 2008
• Private Parking Ticket:s Template Letters - If you wrote before finding this site
  ===IMPORTANT INFORMATION=== ...oes not constitute legal advice and is not represented as a substitute for legal advice from an appropriately qualified person or firm.
  10 KB (1,636 words) - 18:16, 14 February 2008
• Data Protection Complaints: Template Letters
  ===IMPORTANT INFORMATION=== ...oes not constitute legal advice and is not represented as a substitute for legal advice from an appropriately qualified person or firm.
  9 KB (1,429 words) - 21:14, 14 December 2007
• PPI: Particulars of Claim
  ...claim, you should you should seek proper legal advice before embarking on legal action: '''??.''' <span style="color:blue">The Claimant contends that there was no information provided of alternative options, or comparative costs of similar PPI produc
  12 KB (1,897 words) - 17:55, 18 December 2007
• Bailiffs: Subject Access Request
  ...ncorrectly charged and whether you have any basis for complaint, or indeed legal action. ..., it would appear that a number or less reputable companies wait until the legal expiry date of the request to respond by saying that the fee of £10 was no
  6 KB (916 words) - 15:33, 27 December 2007
• Power of Attorney
  A Power of Attorney is a legal document whereby a person gives another person or persons the power to take More information and copies of the Power of Attorney forms can be purchased at various websi
  5 KB (873 words) - 17:05, 21 January 2008
• Parking Tickets: Changes to the Law from April 2008
  ...king enforcement is covered by the RTA 1991. From 31 March 2008 there is a legal requirement to follow the parking enforcement framework contained within Pa ...es should annually report on and publish certain financial and statistical information (expenditure, income, number of notices issued, paid and cancelled).
  8 KB (1,251 words) - 20:23, 4 February 2008
• Brighthouse Fact Sheet
  However, BrightHouse did supply an appendix containing more detailed information on their policies and operating practises. These points are reflected thro ...accordance with the manufacturer’s instructions, then BrightHouse have a LEGAL duty to comply with the SUPPLY OF GOOD (IMPLIED TERMS) ACT 1973 and either
  42 KB (6,607 words) - 14:36, 30 January 2009
• Debt:: Letter Templates
  ...yle="color:red">XXX. </SPAN> This is against the guidelines issued by the information commissioner, and is an unfair practice. ...orrect any information recorded on my credit reference I will take further legal action. Further, I require you to cease processing my data beyond that nece
  15 KB (2,345 words) - 18:34, 7 April 2011
• Credit Agreement Requests: Basic Information
  == Basic information on Credit Agreement Requests == ...ue copy of the credit agreement. The creditor is allowed to remove certain information, including the signature. "true copy" allows the format to be slightly diff
  4 KB (613 words) - 17:05, 20 February 2008
• Debt Collectors: On the Inside
  '''2)''' obtain as much information from the debtor and document it on the system. ...never told about legislation, or the requirements under the CCA, etc. Such information was irrelevant. The only exception to this was regarding CCJs. If a debtor
  34 KB (6,203 words) - 17:46, 22 March 2008
• Disability & Special Needs: Useful Links
  '''[http://www.clsdirect.org.uk/ Community Legal Advice]''' This website offers free, confidential and independent legal advice for residents of England and Wales
  4 KB (567 words) - 15:47, 29 February 2008
• Bailiffs: Get The Bailiff to Pay Off Your Debt
  (100% legal - England & Wales only) ...their excuse letter to show the bailiff was awkward. The bank can get this information for free if they want to check. Under a chargeback the burden of proof is w
  7 KB (1,120 words) - 21:06, 3 March 2008
• DCA: Non-Compliance of CCA Request
  You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement ...</SPAN> I wrote to you requesting a copy of the credit agreement and other information under the Consumer Credit Act 1974 (Sections 77-79).
  6 KB (1,002 words) - 17:03, 16 October 2009
• Debt Collectors: On the Inside - Q & A's
  ...often continues untill either it is recalled by the OC or the debtor takes legal action (as in your case). The account is then passed back to the OC and mor ...practice. Often, the DCA account manager will read the letter and if that information is already on the file they will just shread you paperwork. When you call t
  32 KB (6,011 words) - 22:58, 16 April 2008
• Interest Tutorial
  This is a legal term that means putting things back as they were (or would have been) if a Under the Consumer Credit Act 1974 your loan must contain certain information – amount borrowed (principal), monthly payments, number of payments and A
  13 KB (2,132 words) - 23:39, 25 May 2011
• Private Parking: Clamping Guide
  ...the issues there was a distinct difficulty in trying to find answers. The information was there but not in anyone place. ...arily brief. This document seeks to fill in the blanks and provide further information.
  17 KB (2,984 words) - 12:47, 26 April 2008
• How to Get Out of Debt
  ...fit entitlement). Ask you tax office about the rent-a-room scheme for more information. You may also be able to request assistance from The Social Fund, this coul For more information please call The Home Energy Efficiency Scheme:
  23 KB (4,095 words) - 16:05, 9 May 2008
• Debt: Negociating with DCA's
  ...the conversation, a recording is an incredibly powerful tool. There is no legal obligation to inform the person at the other end that you are recording the Write down before the call what you want to say. Don’t give them any information… don’t tell them about any property you own, cars, and other assets. If
  12 KB (2,075 words) - 19:51, 9 May 2008
• OFT Test Case: Q & A's 30 May 2008
  information about this below. process is to ensure that the complex legal issues are resolved in an orderly,
  14 KB (2,230 words) - 17:45, 30 May 2008
• The Consumer Protection from Unfair Trading Regulations 2008
  This advice has been prepared on the basis of information in:- It seems to me that a debt collection agency which threatens legal action over debts which are more than 6 years old and which are therefore s
  25 KB (4,084 words) - 12:44, 11 June 2008
• Hardship & Stayed Claims
  ...e income available. So any letter should emphasise any arrears, threats of legal proceedings, repossession you may have against any of the list below, and i '''4.''' The firm will make available to complainants straightforward information in plain English on the firm’s procedures and systems for dealing with cu
  6 KB (946 words) - 19:11, 8 May 2009
• DCA: Using CPR 31.14 to Your Advantage
  ...ave seeen a number of examples where a member is being forced along with a legal case in a situation where the creditor is unwilling from the outset to prov ...ct S.A.R - (Subject Access Request). Rarely do they genuinely seek Further Information by way of clarification of an issue raised in the case and which could not
  8 KB (1,407 words) - 15:32, 11 September 2008
• Statutory Demand: Service by Post
  (c) specify a date by which, to the best of the knowledge, information and belief of the ...we this debt and if the creditor sued me for it, would I have any arguable legal defence to it? To be able to answer this question you will need to know wha
  21 KB (3,622 words) - 15:26, 17 October 2008
• Bailiffs: Reporting a Bailiff to the Police
  I have sought legal advice and I have looked at <span style="color:red">[NAME OF REGULATION FRO ...minal proceeding against a suspect, please let me know if you need further information. Meanwhile, please provide me with a crime number.
  4 KB (679 words) - 17:25, 23 October 2008
• The Myth of 'Writing Off' Debt
  ...offered free of charge here, or to tout for business by posting misleading information and links to commercial services. The legal position is that the debt still exists and the only way that it can be ‘w
  4 KB (717 words) - 18:40, 16 April 2009
• Charging Orders: A guide
  ...to Sequenci Original thread '''[http://www.consumeractiongroup.co.uk/forum/legal-issues/203298-guide-charging-orders-orders.html here]''' ...end a copy of the Interim Charging Order and Affidavit to all those with a legal and/or beneficial interest in the property, for example the mortgage lender
  22 KB (3,848 words) - 15:06, 10 June 2009
• Library: Case Law
  20 British and Irish Legal Information Institute - law data base
  1 KB (161 words) - 17:28, 8 July 2009