Consumer Action Group envelope labels
You are part of a community of over 195,000 people. Let your bank know that you won't give in. Display one of our labels on your envelopes. Full description here
Sheet of 20 self-adhesive envelope labels £3.50 inc p&p
|
Do your Internet search here Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
| | | | Do your Internet search here:-
| | | CAG Announcements | |
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ.
You will have to register before you can post.
To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old? This may be unfair
See our new Unfair Trading Guide Bought an extended warranty? Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide Have you been defaulted?
Would you like to clean up your credit file? Check it out Are you a victim of unfair trading? Check it out The Consumer Protection from Unfair Trading Regs 2008 Have you been defaulted?
Would you like to clean up your credit file? Check it out | | | | | | | Campaign Are you interested in the bigger picture? Do you have definite ideas which you wish to contribute? Are you interested in campaigning in some way?
Whether it is bank charges, PPI, the cost of gas/electric/food/travel etc - this is the place to share your ideas. | Welcome to The Consumer Action Group and The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed.
To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.
Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | |
6th September 2006, 11:09
|
#21 (permalink)
| | Basic Account Customer | Re: Your MP I emailed my MP the other day and got his response this morning. Very positive I think. Quote: Thank you for your e-mail.
I have already signed the following Early Day Motion relating to the issue:
EDM 2227 DEFAULT BANKING CHARGES 22.05.2006
That this House notes with concern the exorbitant costs to customers of default charges applied to current and credit card accounts, which cause distress and alarm to consumers, and in particular to the financially vulnerable; welcomes the statement by the Office of Fair Trading (OFT) that a default charge should only be used to recover certain limited administrative costs; recognises the work by Which? to challenge excessive bank charges; commends the thousands of consumers who have challenged these default charges with their providers, many using the free information made available from Which?; and calls on current account and credit card providers to respond positively to OFT's statement.
I will also write to Ministers about this.
Regards
Paul Truswell |
Last edited by lufwa; 6th September 2006 at 12:42.
|
| |
11th September 2006, 10:44
|
#29 (permalink)
| | Basic Account Customer | Re: Your MP Quote: |
Originally Posted by JonCris Here's a little tip refer to them by their 1st name Dear Fred, Tom etc. They meet & greet so many of us peasants they'll think they have already met you & respond accordingly Also don't forget to sign...........Best Regards Stan. June etc | Dear JonCris
That's a superb idea. Also, If you've got the time, it might be worth attending a surgery or two beforehand and discussing bank charges so you can say something like "thank you for taking the time to discuss unlawful bank charges with me at your surgery last month..."
One other MP-related tip - ask your MP to "raise the issue with the relevant minister". They're obliged to do so (if you ask), and it doubles (at least) the exposure of the issue.
Oops, another tip: if your MP's margin is small, mention that you consider this to be an issue that will affect the way you will vote in elections. For example, my MP (Labour) narrowly won against the Lib Dems. In my case I'd mention how impressed I've been with the Lib Dems attitude towards standing up to "big business" (a sore point with Labour MPs, particularly "old Labour", as they see themselves as the "vanguard of the popular struggle against big business"). Naturally you'll need to tailor this to your own situation.
__________________
Best wishes
Livity (it's better than "free-dumb")
|
| |
11th September 2006, 10:51
|
#30 (permalink)
| | Basic Account Customer | Re: Your MP Quote: |
Originally Posted by zootscoot Absolutely not!
Don't worry I'll be sending a reply putting her straight on a few things. Lol | BE ULTRA POLITE! But do advise her that you are unable to vote for someone who condones unlawful activities. |
| |
12th September 2006, 15:46
|
#31 (permalink)
| | Basic Account Customer | Re: Your MP oops
Last edited by lufwa; 13th September 2006 at 13:55.
|
| |
12th September 2006, 15:47
|
#32 (permalink)
| | Basic Account Customer | Re: Your MP The other day I received copies of letters sent to Ed Balls MP (Economic Secretary) and Ian McCartney MP (Minister of State) by my MP, Paul Truswell. Is he prompt, or what? Wonder if I'll hear anything from these other two though... Quote:
BANK CHARGES
As you will be aware, the Office of Fair Trading recently found the current level of charges applied by UK high street banks to be excessive and that a cap should be imposed. The OFT also ruled that penalty charges are illegal under the 1999 Unfair Terms in Consumer Contracts Regulations.
You will also be aware that, despite these facts, banks continue to apply excessive charges and most customers do not question their legality. As someone who takes a very keen interest in consumer affairs issues and as a signatory of EDM 2227 this, the fact that banks are making around £3 billion a year from excessive illegal charges, concerns me deeply.
Please find enclosed an email I received from a constituent, who shares my aversion to these excessive charges. I would be very grateful if you could respond to the specific points she raises. I look forward to hearing from you. | |
| |
19th September 2006, 23:12
|
#34 (permalink)
| | Basic Account Customer | Re: Your MP Hi all...in follow up to my last post...
My MP wrote to Ed Balls MP Economic Secretary to the Treasury, raising my concerns. This is the responce he got back.... Quote: Ed Balls MP HM Treasury 1 Horse Guard Road London SW1A 2HQ Tony Wright MP 20 Church plain Great Yarmouth Norfolk NR30 1NE 16/09/06 Dear Tony Thank you for your letter of 1 August enclosing correspondence from your constituent XXXX about bank charges. I am replying as I have Ministerial responsibility for heis policy area. I am sorry to hear XXXX’s concerns about bank charges. The setting of charges and their application is a commercial decision for each individual bank. However, it is clearly important to customers and businesses are aware of the charges they face. The Banking Code sets standards of good banking practice for the banks and is the subject of independent review. The banking Code requires that signatories give their customers details of any charges for the day-to-day running of their accounts when they open it, that they inform their customers personally if they increase any of these charges or introduce a new charge and sets notice periods before changes are made to terms and conditions. The signatories are also required to tell customers the charge for any other service or product before they provide that service or product, and at any time the customer asks. With regard to the terms and conditions that set out these default charges, your constituent may be aware that the Office of Fair Trading (OFT) has been investigating credit card default charges. As a result of this investigation, the OFT wrote to leading banks in 2005 and argued that the bank’s credit card default charges were excessive, challenging the fairness based on existing rules set out in the “Unfair Terms in Consumer Contracts Regulations 1999”. The OFT have recently issued a further statement, setting out their views. The OFT recognize that there is a read across from credit cards to other default charges in consumer contracts such as bank overdrafts and mortgages. The OFT statement also contains immediate advice for consumers. It makes the position clear. In particular that while the OFT have set out their views that does not have the force of a court decision. Customers contemplating legal action need to take their own legal advice. In addition, all banks in the UK are required to follow prescribed complaints procedures for their customers. Unsatisfied customers are able to make a formal complaint to the bank concerned. Please pass on my thanks to XXXX for taking the trouble to make me aware of these concerns. Yours sincerely Ed Balls MP | Ok...not sure what to make of it....i'll leave it to you guys... |
| | |