How to legally fight the evil doers(The banks)

[-thetruth_]

http://www.which.net/campaigns/perso...ges/index.html
follow these steps and You are 100% guaranteed you would get your money back because the banks can not attend the court as the charges are illegal.
many people have claimed their money back and received extra on top.
http://www.which.net/campaigns/perso...tyoucando.html

other links

http://forum.bankactiongroup.co.uk/

http://www.bankchargeshell.co.uk/

[-thetruth_]

sample of letter to send

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Dear Sir/Madam,

I find myself in the position that your actions require my intervention for the [HOWEVER MANY] time in the space of a few days. I am seriously reconsidering my view that [BANK] has the capacity to act as my fiduciary in a responsible and lawful manner, as implied by the terms and conditions between both parties.

This morning I received a statement from [BANK], stating their intent to unlawfully apply penalty charges to my account on [DATE]. These charges are to the sum of £XX, as well as an interest penalty of £X.XX for the 'privilege' of this unlawful action being undertaken.

As you are aware, I have asked you to demonstrate to me that these punitive charges are fair and just, that they are lawful, and that they are being lawfully applied. You have failed to demonstrate this to date, and therefore it is implied by your refusal or inability to supply such demonstration, that these penalties are, indeed, unlawful.

Therefore, I would draw your attention to the following point: you have stated that these charges will be applied on [DATE]. If these charges ARE applied, then you will be required to explain why you have, in my view, committed a pre-meditated breach of the law, and I will be reporting such breach to all of the relevant authorities.

However, as this has not yet happened, I require that you take action forthwith, and cancel this transaction prior to its execution. Furthermore, I require confirmation, in writing, that this transaction will, indeed, be cancelled.

I shall be checking my account on [DATE], and if I see that the penalty charges, plus interest, have been unlawfully applied to my account, I shall lodge a claim at the county court to recover these charges, plus my costs and interest calculated at 8% APR, without hesitation. Furthermore, I shall require that you confirm whether these unlawful charges have resulted in a default notice against my record with credit reference agencies, and if so, I will seek appropriate action to have this notice removed.

In view of my first paragraph, and considering your apparent incompetence to act as my fiduciary in a lawful manner, I will start to consider a course of action whereby I may seek redress for all the inconvenience you have caused me.

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Allow 14 days then another letter given then 14 days to sue

[-thetruth_]

you may get a computer letter like this. do not be scared just ignore it
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Reply recieved to initial letter

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TOday I recieved this letter( certain information edited:-

"Dear Mr Brakenberry
Regarding the charges that you have incurred on your account, which you claim to be unfair penalty..

we're keen to deal with your concerns as quickly as possible. A Customer Relations Manager will investigate the points you have raised and you will recieve a reply shortly, but certainly no later than 4 weeks.

You will find enclosed a copy of our leaflet, which tells you how we will handle yopur complaint.

Your concerns will be dealt with as quickly as possible, but to help us deal more efficiently with your enquiry, please quote ********** when writing or telephoning the number at the top of this letter"

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[-thetruth_]

or something like this
------------------------------------------------------------All appears to be in including a letter from a "Danny Mullins" customer services ( all grammatical errors are Dannys own)

Thank you for your recent enquiry regarding the issue of copy statements for you're above names account.

I am pleased to enclose the statements with this letters as requested.

Turning to your request regarding Manual Intervention, the majority of transactions on your account are automated and all application of charges are automated.

The only manual intervention around charges would be when a refund is made. However we are not legally obligied to divulge this information.

Therefore if you require any further information please contact us.

Yours sincerely

Danny Mullins
Customer Services

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then a cheque or a manual refund would apply

[Sweet_Pea]

This thing logs out quickly. Truth, I thought you stopped fighting with the banks last year...

[-thetruth_]

I never fighted with anyone. i just do not like the banks full stop because they are the real thieves hence why their Riba is haram. yesterday the OFT stepped in and made it clear that people can reclaim their money back to to 6 years back . I think this is the best news for those who were victims. I was very lucky not to fall for their traps( I worked for one bank and know how to play back their game. I must have refunded 10000s of pounds to those Direct debit customers who were wrongly charged i am glad i did it even though no one in the department cared to.