This is unfortunately how things are at the moment.We have evidence that even the FOS now appear to be upholding complaints in the banks favour by saying the OFT lost the case and so they cannot assist with refunds of unauthorised overdraft charges. The exception would be if it can be shown that the bank made an error,or where the charges are likely to cause financial hardship. These areas are still clauses within the Banking Code. They KNOW that they have 8 weeks to look into your complaint and as always know they can drag things out and be within the rules-the only consolation being that since the waiver has ended then they cannot tak

its been on watchdog and a few threads on here people who had old 3 contract that were closed years ago , getting similar letters

Hi, 180. Send them this.................... http://www.consumerforums.com/resources/templates-library/86-debt-collectors/573-general-debt-letter-if-you-know-nothing-of-the-debt Regards. Scott.

As the court has not replied to me since end of November, I think I might wait until Tuesday: Oft will be making an annnouncement at 7am Tuesday 22nd (allegedly) OFT sets date for announcement on its next bank charges move - MoneySavingExpert News and then send this letter (from another thread) ''Following the recent judgment by the Supreme Court (25th November 2009) Case [2009] UKSC 6 (On appeal from: [2009] EWCA Civ 116 ) it is extremely likely that further litigation will follow, either between the OFT and the defendant or otherwise to generally decide the issues. I therefore respectfully submit that it would be appropr

AO's can be telephonists or decision makers. EO's can be managers or decision makers. AA's do filing and data processing.

I might get censored for this post ..not sure ..but here is my next letter to the OFT. This of course is my own personal opinion and belief ..the Consumer Action Group have no responsibility for its content To Mr Paul Blocksidge Consumer Credit Group Corporate Services Office of Fair Trading Fleetbank House 2-6 Salisbury Square London EC4Y 8JX Re Complaint against Swift Advances Plc & Kestrel Loans No 1 Ltd Before I present the damming documents that appertain to the way Swift Advances Plc are seen to operate and manipulate their finances and funding, I wish first to make the OFT aware of the ci

Report your MP to the parliamentary Ombudsman: http://www.ombudsman.org.uk/documents/PCA_complaint_form.pdf

So your comment about semi-enforceable is like, well how can you say it, is like someone being semi pregnant. They either are, or aren't.

Of course you won't get a CCJ. For that to happen it has to go to court (very unlikely), you lose the case (very, very unlikely), and you then refuse to pay whatever the judge orders. None of this chain of events can happen without being informed at all stages of the proceedings. That is the law. But none of this will happen, so relax and enjoy your Christmas.

Ditto here.

My old mother has been living with us for a while, in fact ever since my Dad went onwards and upwards, and to be fair, despite our best efforts she has now retreated into her own little world where everyone is a relative and they all still play together on the bombsites, family reunions can be great. Today I received a phone call from Cabot and was, to be honest a little distracted, so rather than the usual "in writing only" and then hanging up, I passed the phone to my mam and told her it was her (long dead)brother and my late uncle Raymond. The idiot on the other end of the phone spent almost 20 minutes on the phone trying to expl

I see no reason whatsoever to any application to stay. The Manchester cases have very little bearing on your case.

Alphageek you need to seriously check the following case out - courtesy of BRW : [2002] EWCA Civ 250 The LiP was awarded over 10K for 1200 hrs research he did. see paras 7,12,14,21. Perhaps you could appeal your costs decision quoting that case ?

Hi dogowner Fill out all the form. A - Yes B - straightforward - your local court if its not there already. C - small claims track - YES D - 0 E - no F - straightforward G - Other information - ''Following the recent judgment by the Supreme Court (25th November 2009) Case [2009] UKSC 6 (On appeal from: [2009] EWCA Civ 116 ) it is extremely likely that further litigation will follow, either between the OFT and the defendant or otherwise to generally decide the issues. I therefore respectfully submit that it would be appropriate for the Court to apply a general stay in this claim pending resolution of the i

Hello BB! In that case, all you can do is write and tell the Appeal Judge what the position is. But perhaps back it up with some evidence that you have made an effort to obtain, say, an approximate price and have a Court Approved Transcriber lined up to take the job on. IOW, getting the fees paid ahead of the Transcript could be problematic if you do not know the cost...I think it normally works the other way, i.e. get the Transcript, establish the cost, then claim it back. Fat lot of use if money is tight, I do, fully, appreciate. If you need a good Transcriber, I can recommend one who has been very helpful to other

Hi One4all, A Guide to Reclaiming Charges is at Link No1 in my signature below. Read more about claiming interest on the charges in the Interest Tutorial at Link No6. MandM has given you the link inpost #18 above - Letter C may be suitable. Using CCCS may help you get BC to accept reduced payments. However, they may not want to continue to help when you are disputing the a/c re the credit agreement, if you decide to stop paying entirely. If you can pay the token payments, do so for the time being.

Benboy Once they know you're no pushover it can only help you negotiate a better F&F - that's IF they actually have an enforceable CCA. BD