if both the judge and the Court of Appeal have dismissed the banks views, then you would think they would give up, give everyone their money back, so we can all spend it (that would certainly help the current economy). I hope that if they do appeal , that the Lords agree with what we all know too be true (and so it seem so does the Court of appeal/original Judge), that the banks have held onto our money for far too long and now is the perfect time to hand it back. Most people will only just put it straight back into their bank accounts, so the banks cant lose really.

Well done on getting your money back, I was shocked to read it, as I honestly thought that Abbey would not negotiate with anyone other than the hardship cases. Well done again, and I hope you enjoy spending your money. Hopefully this will be a sign of good things to come.

I have this horrible feeling in the pit of my stomach that the banks will win the appeal, then they will be able to charge what they like.

this is on the BBC website BBC NEWS | Business | Banks may challenge charges case

I hope payday comes early this month to us all.

Hi hugo, Glad to see you are still around. Hopefully we will all win before the end of the year, and this site will get a well earned influx of cash from everyone.

Hi Snail Welcome, hope you find this site useful, we are a friendly bunch xx

well a girl can dream

I know, I was biting my nails this morning waiting for the verdict. Heres to round 2. Go get them OFT.

I really don't think they will appeal, they are struggling enough to get people to bank with them, what with the credit crunch, so if they look like the good guys and pay out, they might think we will plough the money back into their coffers. (fingers crossed I am right).

Bet the banks wished they hadnt taken this to court now (but then I guess they did earn interest on all OUR MONEY whilst the cases were held in the court system). Only have to wait a bit longer till May 22 when they have the chance to appeal), here's hoping they dont. When we all get our money, lets not forget all that this site has done for us all, and give a bit back to this website.

Right then everyone, where we all going on holiday courtesy of the banks and the 8% interest. (all being, that they dont appeal),

I so hope that they dont appeal, I guess that will hopefully thrash out a deal behind closed doors where they can agree on say £1.00 per charge and we all get lovely fat cheques sitting on our mats within the next few weeks.

I have replied back to him asking him to write on my behalf, I also sent him the email I had received from Andrew Duff MEP, who also said that he was going to write to the FSA and ask them their reasoning behind the waiver. Hopefully, I should hear back from one of them.

These are the responses I had back from the OFT, having sent the letter from this site. (sorry it wont copy them over for some reason and they are too long too write). In a nutshell they gave me the basic blah blah blah about why the test case was carried out and the waiver etc. I then wrote and said it didnt answer my questions, and why was the banks allowed to continue charging their penalty charges whilst we were unable to continue with our claims, and how unfair and one sided it was etc etc. and Mr Howards response was "The consumer panel believes that the issue of bank charges during the interim period is one of the questions that should be addressed during the FSA's review of the waiver at the end of September. The panel will be consulted by the FSA as part of the review process and we will carefully consider the position of consumers faced with continuing to have charges levied whilst being unable to proceed with their court cases. Of course if the test case finds that the charges are unlawful, consumers will be able to ask for repayment of all unauthorised OD charges, including those levied during the period since the test case was announced"