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.
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This is a great idea BF - do we have examples of each letter?
Oh yes. And there's lots more.
But of course - I expect that there is lots more that we don't have - so come on everybody.
Let's have your T&Cs and your correspondence and the defences which they sent you.
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Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
they are all on the left - it is what each bank told the supreme court, looks like they all got the same script writer - I am amazed the supreme court did not notice the STRIKING similarities in each statement
PGH7447
Getting There Slowly
---------
Advice is given freely but is in no way meant to be taken as Gospel
No, what the banks said to the Supreme Court was all said by one man - Jonathan Sumption QC speaking on behalf of all of the banks together.
Funny, that.
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A 'revenue stream', ie. for profit. Very naughty. Isn't that an admission that the T&Cs are misleading?
“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009
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Of course. The banks have been misleading their customers for years.
What the Supreme court decision does is to provide incontravertible evidence that the banks have been misleading their customers
You might say that it is an abuse of their dominant position, contrary to the requirements of good faith and which causes detriment to the customer ....
Hang on, that rings a bell ... Oh yes, that is what it says in reg.5 UTCCR - and when that kind of abuse happens ... it invalidates the contractual term.
Oh dear. Oh dear, oh dear.
So it is now up to you lot to write to your bank, tell them that they haven't been entirely upfront about their charges and so you would like them back.
Don't go to the Ombudsan. He won't help you.
Go the county court. They will help you. But don't hang around.
Do you want your money or not?
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
A REFUSAL FOR ME TO CHARGE THEM AT THE SAME RATE OH DEAR THATS NOT LOOKING VERY FAIR IS IT?
oh and the answer to the comp is of course - all of them lol.
HTH (Hope This Helps) RDM2006
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oh and the answer to the comp is of course - all of them lol.
Wrong.
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
sorry i meant all on the left hand side (or is it the right - depends which you are accepting as the truth lol)
HTH (Hope This Helps) RDM2006
THE FORCE (OF CAG) IS WITH YOU
We've Helped You To Claim - Now Help Us Remain
A live Site - Make a Donation
All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.
However, if you have found any advice you have been given helpful.
sorry i meant all on the left hand side (or is it the right - depends which you are accepting as the truth lol)
Still wrong
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
The fees reflect and are proportionate to the Defendant's administrative expenses incurred due to the Claimant's breach of contract and are a genuine pre-estimate of the damage suffered by the Defendant.
All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.
However, if you have found any advice you have been given helpful.
All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.
However, if you have found any advice you have been given helpful.
An administrative fee charged when we fee return unpaid any cheque, An overdraft administration fee is applied when your account goes overdrawn without a pre-arranged fee facility or when it exceeds an arranged facility. An overdraft administration fee is overdraft applied when your account goes overdrawn without a pre-arranged Charge.
Those charges will necessarily exceed by a large margin the costs to the bank of dealing with the particular transactions that occasion them, because they are actually a revenue stream essential to the funding of the whole current account operation and not just the particular transactions on current accounts which give rise to their charging.
x 6, by any chance?
Apologies to people who I was in the process of helping, I may be gone some time.
Or how about HSBC....they seem to be suffering from some sort of amnesia....
Dear Mr XXXXX
Thank you for your e-message dated AAA AAA 200X.
I regret to inform you that a refund will not be applicable for the charges which you have
quantified. Please be advised that the bank's position is that all of its charges to customer are fair
and reasonable. They are contained in the published price list, and the circumstances
when they apply are set out clearly in the terms and conditionsof the account. In many
instances, our charges are less than those applied by our competitors
Spot the error competition
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Originally Posted by ncf355
- I am amazed the supreme court did not notice the STRIKING similarities in each statement
