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    • The move marks the first time the country's central bank has raised interest rates for 17 years.View the full article
    • The move marks the first time the country's central bank has raised interest rates for 17 years.View the full article
    • The firm has benefited from the AI boom, making it the third-most valuable company in the US.View the full article
    • Former billionaire Hui Ka Yan has been fined and banned from the financial market for life.View the full article
    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
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Bank Charges Campaign Continues


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A third enquiry into he banking industry has been shelved in a week by the City Watchdog.

 

The FCA launched a probe into the revelations banks, insurers and fund managers were 'bribing' financial advisors to sell their products.

 

Several banks received huge fines for mis-selling risky investments often to elderly and vulnerable people.

 

Yesterday the watchdog decided not to publish the results of it's investigation, leading to accusations of a 'cover up.'

 

Sounding sinister.

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  • 4 months later...

The Competition and Markets Authority have said that banks should reduce overdraft charges but still not come down really hard on them.

 

http://www.bbc.co.uk/news/business-36309396

 

Which? are not impressed.

 

1 We don’t think banks always treat their customers fairly

 

2 You deserve better and banks should be publicly held to account for their customer service

 

3 We need your support to convince the regulators, government and banks to deliver better everyday banking

 

More here along with a new petition which already has nearly 50,000 signatures (including mine).

 

http://www.which.co.uk/campaigns/better-banks/?utm_campaign=banksthankyouforward&utm_medium=email&utm_source=whichcouk

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

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.

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Thank you andy, although I have already linked directly to the BBC article in that thread in my previous post, as it is directly pertinent to this thread, keeps everything together, and gives context to the which? link. :)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

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.

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  • 5 months later...

All these years on and still the problem of bank charges rumbles slowly on. Just goes to show the power that the banks have.

 

Fortunately Which? are still on the case but are still looking for support, so please take a look at their latest input and sign the petition using the link below.

 

https://conversation.which.co.uk/money/why-are-banks-still-failing-to-prioritise-their-customers/?utm_source=whichcouk&utm_medium=email&utm_campaign=banking211016

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

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.

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Good to see the FCA are looking at overdraft charges.

 

https://www.fca.org.uk/news/press-releases/fca-acts-improve-competition-current-account-market

 

Apologies if this is posted elsewhere but I've posted the link here for completeness.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

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.

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  • 6 months later...

Bank charges need to be heavily reduced!! People are being charged e.g £15 to pay for a transaction of i.e £2 if it takes them into overdraft or over their overdraft. Why??

 

Election coming up. Who's going to take Banks to task and tackle helping those who can least afford this scandal.

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  • 1 month later...
Bank charges need to be heavily reduced!! People are being charged e.g £15 to pay for a transaction of i.e £2 if it takes them into overdraft or over their overdraft. Why??

 

Election coming up. Who's going to take Banks to task and tackle helping those who can least afford this scandal.

 

I've been charged three times with natwest by going over my overdraft twice One for £54 and to other charges of £6, £6 i've complained so many times i dont ever get refunded... im always stay within my overdraft.

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  • 4 weeks later...
Lloyds are abolishing unauthorised overdraft charges http://www.bbc.co.uk/news/business-40555175

 

Not before time :)

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So if they abolish now then they must have been unfair in the past..otherwise they would continue ?

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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  • 3 weeks later...
  • 9 months later...

In a speech in the city Mr Andrew Bailey CEO of the FCA said he plans to take action to rein in excessive fees, concerning unauthorised overdrafts. In March the competition head Mr Christopher Woolard said 'we can observe disproportionately high fees and charges. There appears to be no clear relationship between the amount borrowed by the consumers and the amount charged by the firm.' The publication of a report on the market is due in weeks.

 

The regulator also took aim at high-interest doorstep lending and the rent-to-own sector, where poor families are encouraged by firms such as Brighthouse to pay for items such as a fridge or tv where interest rates can be punishingly high. Customers end up paying far more than those with the cash to buy goods outright.

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