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after searching this fab forum i have not be able to find if channel island account holders can claim back there charges as i have been told they are with in the law with regards to these issues and you cant claim!!! >hope thats wrong<
Ooh tricky one! I know CI law is not necessarily the same as UK. Who told you they were within the law? It wasn't the bank was it? As a suggestion from a non-expert. Why not try a request for info under the Data Protection Act which will cost a tenner. You will either get the info or they will send the tenner back saying DP doesn't apply here. If you get info it will only cost the price of a stamp to put in a request for payment.
What have you got to lose? Let us know how you get on cos I'm sure there must be others in CI who would be interested. Good luck
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
no was a friend that told me that as she had contacted CAB and they said did not apply! but i sent off my first letter with a cheque for ten quid and got my stuff through this morning! [only took a week] so am going to procced and see how far i get, wish me luck!
Good luck Debbie. Even CAB may have got it wrong as this is such a relatively new initiative, so if you are the first over there they might not be fully aware of what is going on.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
I live in the UK now, and have just had my final response (3rd and final) letter from Lloyds TSB in Isle of Man, basically giving me the fob off. I'm not to sure how to proceed with courts etc, does anyone know what to do?
It seems to me that if the Bank`s head office is registered in the U.K. then if you chase them there may be a case to answer as most of the laws and regulations will apply. for instance if an offshore business trades with U.K. customers they are liable to VAT for goods and services that they supply to U.K. customers, although they are registered offshore. I also think that the chances are better if you are living in the U.K. as you will be able to proceed through your local county court, I can only add to this that if you live in Guernsey, that I think that you will have little or no chance through their court system as the person who will hear your case is a government employee, and he is not going to upset the banking industry!!!
These are just my private opinions and have no legal grounding, but it is worth some-one having a go to see what happens. If i can find my details from 10 years ago I am going to give it a try, but don`t hold your breath
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
Just a note regarding a point in the last post, which was good information by the way, is that some companies such as play.com, hmv.com are based offshore and do sell goods to uk residents without paying VAT. That is why they are based there, to avoid the tax, thus making prices cheaper... I think I am going to look to take Lloyds on, by writing to their uk address, via the uk small claims court. Let u know how it goes, when I manage to do it!! In the meantime, if anybody has any further info, please tell!!
You may be right about Play.com and Hmv.com but then the customer becoms liable for the VAT and HM Customs and Excise can intercept the mail and collect their dues from said customer They have far more powers than the police!!!! good luck anyway Lloyd, go get `em
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
Channel island account holders? ref:TSB
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Re: Channel island account holders? ref:TSB
Re: Channel island account holders? ref:TSB
They have far more powers than the police!!!! 
good luck anyway Lloyd, go get `em