stephen1976
Founding Adviser+
Platinum Member

HI ,
just posted today for the first time, I know its a long road ahead when things are difficult, but felt a sense of relief that ive started a couple of threads and look forward to fellow members comments. Maybe one day I will be able to give advice?

yours
Stephen

I'm keeping great mate thanks, love the look of the new site, sorry not been around much this last year, duno where the time goes, it just fly's, I get up on monday mornings then turn around to find its sunday night again, hope you Nat and kids are keeping well

Popped by to say "hi"x

lo mate
first the good news
i have a new machine (a mac )
now the bad news i am back!!!!
can you email me your msm addy so i can talk to you and others so as to get back up to speed plz mate?
cheers mate
regards
mike

Hi Stephen
I am having a little trouble posting in the right place. I do have a thread in Halifax credit cards but I did notice that when I ask a question in my thread, it doesn't show up as a new post for answering in the 'new posts' section. I last posted on 18/4 and haven't had a reply yet. Am I doing this correctly? Thanks Sindbad

Thank you very much.
Really very good site soooo soooo useful!!!
Have a great day...

Good evening Stephen

Quick question regarding CCA 1974 (as amended). You state that the amendment to CCA1974 where s.140 was replaced with s.140A and s.140B means that it cannot apply to charges levied before (April?) 2006, in other words the current act is not retrospective.

Does this mean;
1. That I can't claim my charges back from before 2006
2. I can use the Act's contents before it was amended covering the period of my claim (1996-2001)
3. Does this current Act still apply to my claim period?

Many thanks in advance Stephen and keep up the tremendous job you're doing.

Steve.

had a letter from bank of scotland on 13.01.10 basically telling me that they wont be upholding my complaint or be providing a refund
if we dont hear in 8 weeks we will close your complaint.
what do i do now
fraser

Dear Stephen,

Thank you for recently sending me your e-mail, which had links to the BRAND NEW Defence against strike out application, which was available to download in Portable Document Format (PDF)/Word Document format.

Fortunately for me, I previously received adequate compensation from my bank in respect of penalty charges, as my claim was issued at the local County Court well before the bank charges claims by members were stayed by the Supreme Court due to the recent Office Of Fair Trading Test Case.

My bank decided to settle out of court, and then approximately three weeks later the remaining claims were stayed. That was fortuitous I must admit!

Yours sincerely,

Ray Clarke G.Inst.L.Ex

Hi,

Saw new defence - but I am one of those held in the que awaiting the trial.. is there new templates for action, following supreme court ruling ?