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Posts posted by jules1973

  1. 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.

  2. 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. :)

  3. 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.

  4. 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"

  5. I actually received a response from an MEP that wishes to help.


    Dear xxxxxxx


    Thank you for your email dated 6th August 2007, addressed to Jeffrey Titford

    MEP. Mr Titford has asked me to reply on his behalf.


    May I firstly apologise for taking a while to reply but we have had a very

    large postbag and your email arrived during the holiday season, when we were

    short staffed. However, I have now read your email with great interest and

    can certainly understand your frustrations. We would certainly be willing

    to write to the Chief Executive of the Financial Services Authority, on your

    behalf, to point out to them the misery that they are causing. Before doing

    that, I would be very interested to know if any of the other politicians

    that you wrote to at the same time, have done the same thing. Naturally, we

    are anxious to avoid duplication. Equally, if there have been any further

    developments as a result of the activities of the other MEPs, it would be

    useful to know the details.


    I look forward to hearing from you.


    Yours sincerely


    Stuart Gulleford

    Political Advisor to Jeffrey Titford MEP

  6. I remember b4 Santander took over Abbey, sometimes when we went over drawn the would write to us and tell us we had gone overdrawn but they wouldnt charge us this time (this happened a couple of times), but since they took over they never did this again and we went OD a couple of times by 17p and got hit with £50.00 charge, does this make me irresponsible mr DonkeyKong or does this make the banks greedy????? I know what i think.

  7. Itsnt it amazing how one person can really get under your skin just by their comments, there was absolutley no need to come on here and say what they did, it is not constructive just damm right rude.


    He must be one in a small minority that has never gone over drawn in his life, never been paid by cheque and have such a brilliant memory that they have never forgotten when a direct debit is due out.


    Nowdays you mave to have DD's otherwise companies charge you for sending them a cheque etc, so we all tend to have so many coming out each month that occasionally we forget about one and go overdrawn. If banks/companies stopped trying to make so much profit, we wouldnt be in this situation.

  8. I see DK hasnt come back to defend their post


    No-one chooses to go over drawn, life throws unexpected things at us and unfortunately our finances take a beating, it doesnt make us irresponsible, its just the way it goes. No one asks to be ill, made redundant, get pregnant, buy a house etc etc but we do and sometimes it involves us going overdrawn. Obviously DCK doesnt have a mortgage, family to feed, life......


    We are all just trying to get back what was wrongfully taken which is no more than we all deserve. DK obviously knew what would happen when he posted his rant, and threw his toys out the pram. Obviously his world was so perfect, and now his bubble has burst as he will now have to pay his way in life.


    I for one would be prepared to pay a very small amount a month to use/have a bank account, but am not prepared to pay extortiant amounts for going a couple of pence over my OD limit.

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