Formal complaint to the OFT - you can support this

[photoman]

Originally Posted by cathycathy

Just a thought - remember the anti-road car pricing petition that crashed the Government website recently .... What about starting a petition on that site about the Bank Charges and getting people to register that way too. Might be a complete eyeopener for the Government and persuade them to get the OFT to pull their finger out and get some teeth with the Banks unfair policies if they see the extent of peoples feelings? I reckon once the ball started rolling - it would be more than the million that signed re the road pricing? Any thoughts?..........

Looks like some petitions are already underway on the mentioned website
Take a look at this link:
10 Downing Street website - Petitions - Search Results

[johniedepp]

Hi Guys got an email back from Ms Wade stating the follwing
Thank you for your e-mail.

I will pass this on to the Retail Banking Team who are looking into this
as I no longer work in this area.

If you wish to contact them in the future with any more information
their e-mail address is
RetailBanking.Study@oft.g si.gov.uk

Christine Wade

[Shoestring]

I also have emailed OFT. Bloody waste of time, I expect though, as I'm sure their real role is to protect the industry not the consumer.

Shoestring

[cathycathy]

Hiya - sounds about right - it beggars belief why nobody in government are raising these important questions as to why the Banks can and are getting away with what they are doing. When you think of how many peoples lives have been affected, ruined or people who have committed suicide because of them. If this was any other sector - there would have been something done by now. Basically they are effectively policing themselves!!

[Pliny the Penuriosus]

The regulatory bodies are a complete joke. They are only set up to induce the consumer into a false sense of well being & it's about time all of that changed.

A lot of huffing & puffing going on but no actual action. Enquiry after enquiry, just how much more do they need to no

[gbplumber]

Hi Everyone.

Can some one or every one explain to me how this works, got a lot to claim back if this is right, can i claim for business charges as well as personel.
Thank You
GB

[Pliny the Penuriosus]

gb Yes you can. You can't use the unfair contracts legislation as that only protects you as a consumer not as a business but you can use the same 'common law' precedent everyone relies on to reclaim unlawful penalty charges on your business.

Very recently a member reclaimed £40k that had been taken from his business by way of unlawful charges.

In other words you would mount 2 claims. One as a consumer the second as a business.

[photoman]

Originally Posted by gbplumber

Hi Everyone.

Can some one or every one explain to me how this works, got a lot to claim back if this is right, can i claim for business charges as well as personel.
Thank You
GB

GB
You can claim for either Business or personal accounts. But there are soem subtle diffrences.
On a Business account claim, you cannot use Consumer rights and regulations, but there are plenty of other rights you can use;
(Pliny, You CAN actually use Unfair Contracts Terms Act of 1977 (UCTA) but not Unfair Terms in Consumer Contracts Regulations 1999 (UTCCR) )
There are also exactly all the same Common law rights available and lots of statutes and case laws to back you up.

You need to read the Step by Step guide, and Frequently asked questions.
http://www.consumeractiongroup.co.uk...se-read-these/

Example Step-By-Step Instructions - Now updated to reflect the OFT court judgment

As a Business claimant, you might benefit also from joining our thread for Business claimants.
http://www.consumeractiongroup.co.uk...ount-lets.html

this is also useful;
http://www.consumeractiongroup.co.uk...sic-guide.html

You also need to start you own thread, so that you can make posts relevenat to your own case on there.

Go here (this thread is also very useful to find anything else):
http://www.consumeractiongroup.co.uk...hat-youre.html

Find the name of your bank, and click on the blue link below it, this will take you to the forum.
Find where it says "Forum Tools" and click on it.
Choose Subscribe to Forum.
Then once it takes you back, click on "Forum Tools" again, and choose "Post new thread".
Give you thread a title eg; gbplumber v NatWest

Then make a post, and your up and running.

Good luck.

[paulsuebank]

Originally Posted by adamc6671

I would certainly wish to do whatever I can to assist in putting pressure on the OFT to deal fairly, properly, and openly with the whole bank charges issue. The consumer is NOT, in any way, being treated fairly by the banks over this issue, and indeed over many others. The whole 'reason for being' of the OFT, as I understand it, is to formally investigate and openly report on, any consumer issue in which big companies are treating large numbers of their consumers unfairly. There can surely be no larger issue than this one.

To that end, would it be possible for you to suggest a form of text to use for making a formal complaint to the OFT about the bank charges issue in general terms?

Many thanks.

What concerns me here, is that CAG seem to be relying on 'Consumer Law', when many of us are business people who have to rely on Law of Contracts and Common Law. Therefore, is a business's action against the banks necessarily weaker?

It would be interesting to learn of the CAG split of cases won by consumer/business to give us poor business folk some extra impetus.

[DorsetStrider]

Just a little thought on this but having read this it occurs to me that yorkshire must be leaving themselves wide open to one or all of the following criminal charges.

Purjery
Contempt of court
Perverting the course of justice (does this apply to civil courts?)
Attempting to pervert the course of justice (again does this apply?)

These are very serious criminal offenses. Would it be worth reporting them to the police / scotland yard and asking for charges to be brought?