Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Please check here for the Complete list of MP's
Has anyone written to their MP, but haven't yet let us know?
We would be very grateful if you could tell us either here, or if you have received a reply, please let us know here, thank you!
It has been decided to use the first post as a diffinitive list of all MP's who have been contacted and their responses. To that end post will be removed and stored here once the information has been moved to the first post. You will recieve a Pm informing you of this.
COMPLAIN TO YOUR MP ABOUT THE UNFAIR AND BIASED WAY THE FSA HAS HANDLED THE THE OFT CASE WHEN IT WAS SUPPOSEDLY ESTABLISHED TO SUPPORT CONSUMERS, NOT ISOLATE THEM
RESPONSES FROM YOUR MP, PROGRESS REPORTS AND GENERAL CHAT ABOUT THE MP CAMPAIGN SHOULD NOT BE POSTED IN THIS THREAD - PLEASE POST HERE INSTEAD, WHERE THE THREAD WILL BE ALLOWED TO RUN ITS COURSE AND NOT BE CUT DOWN FOR CLARIFICATION
Thank you!
04/04/07 - £104 exit fee refund - Portman BS
Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
A&L Current a/c - You're next..
Write to your MP and COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!
PLEASE DO NOT DELETE THIS POST.
THIS INFORMATION IS IMPORTANT.
If you are going to Email your MP Please be aware that this the Houses of Parliament website will severely restrict the amount of information that can send. http://www.parliament.uk/alms
you will be restricted to 4000 chars in your message. This includes your full personal details, ie: Name, Full address, Email, Telephone number and Email verification.
When I used this to contact my MP Mrs Joan Humble, Blackpool North. my message was reduced to just over 3000 chars. I was forced to edit (butcher) the template leter from this thread so much that it became a nonsense, I lost the full Human rights section, much of the pre-amble etc. They include spaces, Paragraphs (even double or triple line gaps in address etc.
Therefore please, I cannot stress enough, DO NOT USE THIS LINK. Instead us the link on this thread as there are no restrictions to the length of the text that you send, and therefore you can edit the template letter to suit your own circumstances. I have include the link below to help.
Halifax Won £1180.00
NatWest Won £876.00
Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.
Charity Group £200 compo for lost passport.
HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.
All opinions expressed are my own and have no legal standing and no connection to CAG
All errors/typos etc are not my fault the blame lies with the spelling gremlins
<<<<<< If any of this has been helpful, PLEASE click my scales
I work for an MP and would like to advise that anyone who emails an MP must make sure they include their full address as MP's need to know if the sender of an email is their constituent. As they are not allowed to act for another MP's constituent.
If you do not include your full address you will need to be recontacted for your address which will delay matters.
MP's will correspond via email which is quicker for both parties.
MP's do, and are taking this up as a matter of concern and I am asking my MP to raise it as a question in the House as companies and organisations don't like being identified in parliament.
I am claiming bank charges myself and I am keeping my MP updated on the process and problems being faced by customers.
Your letter is good but I would advise that people sending emails do so directly to their MP and not via a third party site. Details of how to contact all MP's are available on the Houses of Parliament website see link below.
The FSA will not be in session with the Treasury Select Committee on
20 September as I had thought (I read it in The Independent - what a crap paper)
But they will be up against them in early October (see below). Unfortunately this will be after the waiver review on 27 September but assuming it won't get revoked it's still worth targeting MP's.
waiver will not be revoked
Dear crfx,
The Treasury Committee will take evidence from the Bank of England on the August Inflation report on September 20. Inflation report hearings are a regular part of the Committee's programme - transcripts of past sessions can be found on our website. The FSA will not be represented at this session.
The Committee takes evidence on the FSA's annual report and accounts once a year - usually in the Autumn. The date for this year's session has not yet been confirmed - but we expect that it will take place in early October.
Ok, as I have stated all posts that have been removed have been stored HERE and not deleted.
There are 564 posts stored there, if all these posts were still on this thread it would be over 23 pages long. This would make this thread difficult if not impossible to control.
I understand your concerns regarding responses from MP's, I have disscused a possible solution with Macboy. We are open to suggestions, please feel free to impart your ideas. Thank you.
There have been competing pressures between allowing ja-de and myself to accurately record details of the representatives you've been writing to; and your eagerness (quite rightly so) to post your responses and discuss them.
This led to a dilemma. We asked the long-suffering and helpful Lively Lad (take a bow, LL!) to help keep the thread clear and restricted to messages telling us who you'd written to so that we could record these, collect statistics and name names. But this had the unfortunate effect of frustrating some posters, who felt we were deleting and ignoring their responses; which we weren't. In fact they were being held in storage, but you weren't necessarily to know that.
So we have decided to create a second thread,purely for replies and discussion about the campaign, which will not be cut down and will be allowed to run its course. However you will see (as we have restored all your old posts to visibility), just how difficult this would have made it for us to keep track of what was happening. On its own (and depending on the prefs you've set to view the site), it is some 23 pages long with hundreds of posts.
So in summary, please:
1.USE THIS THREAD TO TELL US WHO YOU'VE WRITTEN TO ONLY
For ease of use, we suggest re-typing your letters rather than scanning them, but if you prefer to scan, you will need to know how to host the image in your post and have the webspace available in which to host it (or an account with a site such as Photobucket, Flickr, etc.). PM me if you have any questions about this and I'll be happy to try and assist.
Hope this clarifies things and we can move forward with our campaign, which has now hit the '100 MPs contacted' mark - WOO HOO!!!
Have a great weekend and thanks for bearing with us
Best
Mac
04/04/07 - £104 exit fee refund - Portman BS
Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
A&L Current a/c - You're next..
Write to your MP and COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!
Can I just say the same as Mac, & that's thank you, to LL for all the hard work of removing posts, & creating our new thread, & to everyone for their understanding.
Both Mac & myself will be monitoring our second thread for all correspondence, be it MP's contacted, &/or replies.
COMPLAIN TO YOUR MP ABOUT THE UNFAIR AND BIASED WAY THE FSA HAS HANDLED THE THE OFT CASE WHEN IT WAS SUPPOSEDLY ESTABLISHED TO SUPPORT CONSUMERS, NOT ISOLATE THEM
RESPONSES FROM YOUR MP, PROGRESS REPORTS AND GENERAL CHAT ABOUT THE MP CAMPAIGN SHOULD NOT BE POSTED IN THIS THREAD - PLEASE POST HERE INSTEAD, WHERE THE THREAD WILL BE ALLOWED TO RUN ITS COURSE AND NOT BE CUT DOWN FOR CLARIFICATION
Thank you!
04/04/07 - £104 exit fee refund - Portman BS
Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
A&L Current a/c - You're next..
Write to your MP and COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!
The FSA are up before the parliamentary select committee next week - Tue 9 Oct-
and although I'm not sure they'll be discussing anything other than Northern Rock
I think this is worth a punt.
This is s draft so please voice your comments. Iv'e left this a bit late so I'd like to get it off by tomorrow - thu 3 Oct.
Cheers
Rt Hon John McFall MP
Chairman Treasury Select Committee
House of Commons
London
SW1A 0AA
Dear Mr McFall
FSA Complaints Handling Waiver
I write to you in your capacity of Treasury Select Committee Chairman about the reasons and fairness of the complaints handling waiver issued by the Financial Services Authority to banks in relation to the OFT test case on the issue of bank overdraft charges.
I would be most obliged if you would seek clarification from the FSA as to the reasons for the waiver's introduction.
The FSA have offered 2 reasons for the waiver's introduction:
1) ''We have granted the waiver to help facilitate this test case''
The OFT have confirmed to me in a request under the Freedom of Information Act that not only were they not consulted about the granting of the waiver nor given any reason for the need for it's introduction but they believe that the waiver ''has no facilitary value'' to it's case. I have also sought the views of various legal
professionals, all of whom cast doubt on the FSA's claim including one senior barrister specialising in financial regulatory law who described it as ''nonsense''.
2) ''We believe it is not in the interests of all consumers for complaints to continue to be dealt with in the current inconsistent way''
As you will recall the FSA published the report on it's thematic work on overdraft charges complaints handling and it's letter to CEO's on the same day it announced the introduction of the waiver. The report and letter were highly critical of the banks handling of these complaints. Therefore it would seem that due to the Bank's own mis-handling of complaints, they were able to successfully apply for a waiver that absolved them of their responsibility to process complaints at all, regardless of the fact that the responsibility for ensuring complaints are handled fairly falls with the FSA themselves.
The FSA has also suggested that of customers claiming refunds of charges ''some are successful and some are not''. But this is simply not the case as of the many tens of thousands of court cases dealing with claims, defeats can be counted on the fingers of one hand and the fos has a 100 percent record in securing refunds.
Despite my own efforts to seek clarification, many Members of Parliament have written to the FSA on behalf of constituents questioning the necessity for the waiver and voicing concerns that as a direct result account holders can no longer challenge these charges or seek redress through the courts or the FOS while banks can freely continue to levy them:
David Wilshire
Jessica Morden
Diana Johnson
Julie Morgan
George Osborne
John Greenway
Alison Seabeck
Andrew Duff
Andrew Mackay
Joan Humble
Claire Curtis-Thomas
William Hague
All these MP's received, word for word, the same templated response which was simply cut and pasted from the original announcement on the OFT website (please find examples enclosed)
It seems clear that the FSA will not justify the reasons for the waiver as a matter of policy. And it is difficult not to come to the conclusion that the banks were granted the waiver as an inducement to agree to the test case.
I would urge you, as a matter of priority, to address this issue with the FSA.
Hi there crfx I think that is excellent. Is there anything else we can do. How will you get them to take notice of this and get it on their agenda? It needs to have some power behind it they may ignore it as they do with most things?
The only thing that worries me is that I am not a contituent of the chairman, John McFall, as strictly speaking he can only respond to his
own contituents. If there's anyone out there that lives in West Dunbartonshire then let me know.
I will though send it to all members of the committee but if there's anyone
who has these MPs again let me know
Good letter crfx - I don't think you need to change anything. A great opportunity to do some highly-targeted political campaigning.
Are you intending to mail them all yourself? If so, may I also suggest that any of the constituents of the committee members reading this also follow up with our letter as a matter of urgency, ahead of the meeting? Sadly, none of them have been contacted by us at all at this stage.
Those committee members again (together with their status on our database):
Graham Brady (Altrincham & Sale West) - not contacted for main letter
Colin Breed (South East Cornwall) - not contacted for main letter
Jim Cousins (Newcastle -Upon-Tyne Central) - not contacted for main letter
Sion Simon (Birmingham Erdington) - not contacted for main letter
Philip Dunne (Ludlow) - not contacted for main letter
Angela Eagle (Wallasey) - not contacted for main letter
Michael Fallon (Sevenoaks - Sub-committee Chairman) - not contacted for main letter
Sally Keeble (Northampton North) - not contacted for main letter
Andrew Love (Edmonton) - not contacted for main letter
John McFall (West Dunbartonshire - Chairman) - not contacted for main letter
George Mudie (Leeds East)- not contacted for main letter
John Thurso (Caithness, Sutherland & Easter Ross) - not contacted for main letter
Mark Todd (South Derbyshire) - not contacted for main letter
Peter Viggers (Gosport) - not contacted for main letter
Let's get their minds focused!
Lively Lad - please could we get crfx's and this post duplicated in the new thread?
04/04/07 - £104 exit fee refund - Portman BS
Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
A&L Current a/c - You're next..
Write to your MP and COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!
ok Mac. I was planning on writing and e-mailing all of them myself. Although on one hand it would be better if it came from a constituent it
would mean we couldn't really send the same letter to more than one committee member
Right Iv'e e-mailed all the committee members but have already got back
this from one:
Thank you for your email to Angela Eagle MP. Emails are treated in the
same manner and with the same level of importance as other
communications, i.e. post, telephone and fax. The office is very busy
and all items have to be prioritised. Please do not be offended if you
do not receive an immediate response.
Parliament has strict rules that mean a Member of Parliament can only
respond to the substance of communications from their own constituents.
Please ensure that you have included in your email your name and full
postal address. If this was not included in your email, please re-send
your full email with your postal address and full name.
I can only hope that they take into account the first line of my e-mail
that says ''I am writing to you in your capacity of Treasury Select Committee member''.
I'm going to send them all one by post too including photocopies of 3 FSA
letters to MPs that are identical.
List of all MP's Written to, Emailed, & Responses.
, Michael MP - North Swindon
Reply With Quote
Re: List of all MP's written & emailed.
Re: List of all MP's written & emailed.
Originally Posted by olden
