Have any banks actually turned up in court to defend themselves yet?

[Odie]

....and won? Lost?

Is this like the bank charges reclaiming used to be? i.e. a sure thing if your paperwork was correct?

[alanfromderby]

Nothing is ever a "sure thing", but the background legislation looks to be solid - especially where the product has clearly been missold.

There has been talk of some potential test cases - but, as with bank charges, it depends on a bank/loan company wanting to take the risk of a legal precident being set.

[puddinpie]

I will let you know on 8th January !!!

Im against Studio Cards Express Gifts. Claim is very small £86 + 8% stat int + cost (total around £160)

They are adamant they will attend court to defend the claim.

[Odie]

Good luck then. I will watch this thread to see how you get on.

[binkhus]

when i was claiming my husbands back we didnt hear anything from the bank for ages so went to court on the day and the clerk told us barclays barrister was already there.... i almost pooed myself thinking i would have to defend in court but it turned out they were sendind letters to our old address and just wanted to pay up there and them. lol

[alanfromderby]

Nice.

[bathgatebuyer]

I'm going to be going to Court with the Halifax over my PPI mis-selling claim.
They've not provided me with a valid CCA as it doesn't contain all the requirements of one, they've sent me one claiming that it's in my handwriting which is blatantly isn't, and they never told me of any terms and conditions which would effectively exclude me from claims as they never provided details of the terms and conditions or a policy schedule.