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.
In my opinion, there is only one possible outcome for this test case.
*The charges are not genuine service fees, they are penalties.
*They must stop & be refunded immediately.
*Banks may only recover costs in future.
If we imagine ourselves post test case in which the OFT either lost the case or did a deal & introduced a "fair" limit for charges, lets see how much we can destroy the consumer market with the precedent..
First off, you get your monthly mobile phone bill. Usually its £25, but this month, they've sent you new T&C's and introduced a bunch of new "services" which now form part of your core terms. Your bill this month is £200.
This is all perfectly legal because there is a high court precedent whereby banks forced new services on their customers & charged what they liked for them. This was upheld despite a challenge from the OFT no less.
The next letter you open is your gas bill...
So, using this precedent, what other chaos can we cause?
Gez, now link that to the direct debit system most people use for their basic living costs, bank accounts will be empty before anyone gets a chance to actualy spend any money.
Consumer Chaos - How to destroy the market
bill. Usually its £25, but this month, they've sent you new T&C's and introduced a bunch of new "services" which now form part of your core terms. Your bill this month is £200.
Reply With Quote
