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Everything posted by einyuk

  1. Can the courts simply throw out your claim just on the banks say so, or would they give you notice and the option to contest. Also i would think local court judges would also be aware that it was not a outright win for the banks?......bit concerned about Lloyds action as if they can be dismissed so easily. Got the answer from Icy's response on another thread.
  2. Throughout the case with the OFT the banks played heavily on the fact that if they lost it would be the end of free banking as we know it. But i would guess that they make far more out the paultry interest that they credit to accounts, how it takes 4 days for monies you pay to arrive in accounts etc etc.
  3. Think you will find that it was said in the supreme court ruling that it is the charges that fund free banking £2.6bn a year i.e. "robin hood in reverse"
  4. Can't believe over 2yrs since last update.
  5. No need for appologies my friend, all in a state of flux at mo.........will be a way through........going to dig out my POC's go through with me magnifying glass
  6. Thx Renegotiation, cheered me up no end , still, someone will have to take that next step as to test the water so to speak.
  7. The news and the banks make out that the claiming of bank charges is now over for good dead in the water, and to the man in the street it would seem so. This decision has now made around 60% of the public (maybe more) give up on the fight which is exactly what they want (banks don't want to payout on-mass). But to the rest of us (the til the death) the fight is very far from over. Some good i believe will come out of this i.e. with the lifting of stays and with the ablility to proceed without the interference of the OFT and the FSA. Good luck peeps.
  8. in my opinion is the banks don't want a mass public payout, they want to deal with this on a case by case basis like before. I will be going for my stay to be lifted and base my fight on the amount charged and prove it senario. Still think it's buisness as usual in my eyes.
  9. let me get this right, u've sent a letter off for info request and they've scubbed the £16k debt because they couldn't supply the info ? congrats.......
  10. please tell........please tell.........please tell...........
  11. hi mister on point 5.......how can abbey be able to apply their new defence to charges that go back 6yrs which came under T&Cs again going back 6yrs:confused: can/will they get away with that using their new defence? questions questions!!! i think your case on 1st will be the most interesting so far to fellow abbey claimants, hope some MODs come along and assist you further. good luck
  12. I would like to thank you crfx for your time and effort, also at your expense in making these available............... god bless
  13. that has been on my mind for a while now........what with the test case and the new t&c's and defence submited how does this reflect on our cases regarding the abbey admitting to the breach in our cases? surely they cannot now rewrite their defence to suit........
  14. i requested without hearing £35..........got an hearing in november...go figure.
  15. hi peeps been a while since last update......been mullin things over....anyhow got reply from Mr Betts (replied thanking him for his time) along with what looked like a standed reply from FSA which was dissapointing to say the least i have a court hearing late november regarding the application to lift the stay not sure whether it's worth all the hassle at the moment cause it'll only be a forgone conclution in favour of SHabbey (should i go ahead?) what i would like some thought's/advice on is previous to the stay SHabbey's defence stated that the charges where due to a breach and now the latest and revamped tarrifs state that they're for a service and with the comming test case would claimants with Shabbey's old defence count in mine/ours favour or can and will courts disregard the old defence? not sure how things will pan out do we:confused:
  16. hi boston from my experiance and several others the request for a months stay was and is purley a stalling tactic used by abbey...........sorry to burst ur bubble.......now that the stay is in place abbey will not be negotiating full stop..... sorry good luck
  17. hi abroad the strikes are now thurs, fri - monday, tues
  18. hell, thx for that. got some figures below but i think the 1st agreement is the one i'am after cause it was consilidated (£13761.52) into the last loan detailed below. so could do with them details of that agreement to see how much of the ppi was added to the loan below for them to then add another ppi on top with interest which i find unbeliveable. loan amount of credit £18500 over 120 months @ 8.6% total charge for credit £8764 interest rate 0.690% per month total amount payable £27264 @ £227.20 per month ppi amount of credit 4749.87 over 120 months @ 8.6% total charge for credit 2250.93 interest rate 0.690 per month total amount payable £7000.80 @ £58.34 per month payments started 01/11/05 and was fully paid in may 2006 due to remortgage. settlement figure outstanding balance £23119.01 add interest calculated to the end of the estimated period of load £10378.18 £33497.19 less any rebate to which you are entitled (this includes a rebate on your ppi if applicable) £13996.64 amount required to settle this agreement is £19500.55 calculated in accordance with the consumer credit (rebate on early settlement) regs 2004 will be sending the non compliance letter in the morning. many thx;)
  19. below are the agreement and settlement figures, would someone kind enough to workout for me what figure i'am looking to claim cause to be honest i'am a bit stumped. thx dam no idea how to get images on
  20. ok update.....i sent in a S.A.R. in late july and have received no response what so ever..the cheque was cashed . so what options do i have...? 1 resend letter 2 workout what i'am owed (not sure on this one) i have the second agreement copy which was a consilidation loan. going after this company cause i was twice told i could not have the loan without the PPI. any help much appreciated. thx
  21. i dunno cause 6yrs ago charges were £10 so how that gonna work?..........just scrub them from my claim?
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