How YOU can play a part in the OFT test case....

[GaryH]

Send us your T&C's!!!

We're in need of Woolwich current account and general banking T&C's.

Every user must have at least one set of Terms & Conditions stashed away somewhere! Please search them out and scan them to us at the following e-mail address (preferably pdf format) -

evidence@consumeractiongr oup.co.uk

Any relevant terms and conditions will be put forward as evidence against the banks in the OFT test case. The OFT have indicated that the case will be conducted on the basis of a "representitive selection" of the banking contracts past and present.

We want to ensure the selection is as varied as possible and that the banks don't get to cherry pick only the contracts which happen to suit them.

If you do not have a scanner or cannot guarantee a good quality scan, please post the original documents to the following address. Preferably take a copy before you send them - although we can return them to you if you indicate you need them back.

Consumer Action Group
PO Box 7481
Derby
DE1 0LE

Thanks in advance for all your help!

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.