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  1. http://www.govanlc.com/sisted.pdf I knew there was a reason why I shouldn't have moved down to England!
  2. Duncan, I would expect answers very similar to the ones that you have suggested. They are not, however, answers to the questions posed and the FSA will not be allowed off the hook quite as easily as that by me or many of the other people posing similar questions. This is all about attririon and building pressure.
  3. The Financial Services and Markets Act 2000 (strikeout as modified by The Regulatory Reform Order 2007) I have also asked for information and clarification from the FSA, the headlines of which are: What interests of the consumer are served by the waiver both while it is in place and in the future How does the waiver ensure that complaints can be dealt with in a fair and consistent way going forward How does the waiver facilitate the test case And, in the light of the quote from the FSMA 2000 above: How does the issue of the waiver comply with section 158 paragraph 4 of the FMSA. How do the stated reasons as published comply with this and the following
  4. Johnny, Tanz, In a sense, you're both right but I can understand why there is confusion. The statute of limitations is exactly as Tanz describes. The confusion has arisen because the banks have interpreted the law as limiting back-claims to 6 years and people, in many cases, have asked for exactly that in court. Also, in FOS reclaim cases, the 'offers of goodwill' from the banks have always been for six years of charges. So, you have six years forward from the date you realise that these charges are unlawful to claim, but you can go back as far as your relationship with the organisation has existed to arrive at the amount to be reclaimed.
  5. Thanks for that Kog - a good laugh. I'm just waiting for the mailbox full replies to start from his e-mail address.
  6. Clive Briault's e-mail address is [email protected] but he is out of the office until 20th August. His assistant Sara Spence will deal with anything urgent, but I would expect there to be a filter for anything to do with the waiver though! I have a DD number if anyone wants it.
  7. Hi Goodies, You might find what you're looking for here.
  8. Hi Guys, Look here to find out what is happening on a court-by-court basis. The situation is pretty confused.
  9. I know, it's a frustrating business. I'm sure that the FSA are getting the message, whether they will listen or not I don't know. The more pressure they get from us and from those MPs that bother to follow up with them the better. Keep up the good work.
  10. My interpretation of the alleged 6 year limitation (which I don't accept applies in the case of bank charges) is that the first charge that can be reclaimed is is the one that is six years before the commencement of legal action to reclaim. Is this right?
  11. Hi all, I've just re-read the petition on the charter. Can anyone explain to me what the petition means when it asks the PM to follow the charter?
  12. Great stuff Einyuk, let's hope that the FSA is receiving many letters in this vein. I fully support the campaign to contact MPs and have done so myself.
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