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About Deso

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  1. OK, Ive not got a claim in court (Im in Scotland) but my claim resides with RBS who have kindly posted this announcement on their website: Summary On 25 November 2009 the Supreme Court ruled that the level of unarranged overdraft charges in personal current accounts cannot be assessed for fairness under the Unfair Terms in Consumer Contracts Regulations 1999 (UTCCR). The Court decided that current account customers receive a package of services and unarranged overdraft charges are part of the price paid by customers in exchange for that package. The judgment focused on the ban
  2. Is it just me who has got a very bad feeling about all this?... I reckon its been decided already and guess who is guaranteed not to be fairly treated by all this....
  3. This is a pure waste of time and money. This decision will be fixed all at the expense of the consumer disguised as a fair judgement. I no longer have any hope for the small consumer versus big corporations.
  4. Thanks for that, It makes interesting reading..
  5. Saw this on the BBC this morning.. Was it really a surprise to anyone?? BBC NEWS | Business | Bank accounts 'not working well'
  6. it wouldnt surpirse me if the OFT case collapses now. Talk about being spineless and toothless..
  7. Bigmac, If your post was for me I had sent a prelim and an LBA so the bank do have a note of my complaint. They also said they would be back in touch after i rejected their offer but I havent heard anything since. Funny how the terms of the waiver stated that they need to keep customers informed eh?
  8. Would complaining to the bank count as claiming? or would the complaint have to be presented to the court? Just enquiring as I rejected a goodwill offer July 2007 and the RBS said they would look in to it further.. then the bomb went off!! Now I dont know if my initial complaint to the bank would count. I dont want to lose any of my claim since this test case looks like dragging on for ages.
  9. The 34th of Julember most probably.. I can see this going on and on and on.. just like a duracell battery bunny.. only not as friendly!..
  10. If I were you, Id change my bank. Let them know precisely why and also remind them that they have lost your business and personal banking forever. They may miraculously refund your intial charge but even if they dont then they probably arent worth staying with anyway. Other banks are offering good deals to entice customers. shop around. In answer to your question I think it will probably be highly unlikely they will refund you.
  11. Well done, a bit of common sense from the Media, lets hope this publicises just how corrupt the whole waiver thing is!
  12. No chance! As you say Tifo, they stand to lose too much, and I doubt if TESCO would "bite the hand that feeds it" so to speak. Without RBS there is no Tesco Personal Finance.
  13. Tesco are in bed with the RBS group (which are huge when you look into what brands they deliver e.g. Churchills, Privilege, Direct Line,Lombard, Mint, One Account, Streamline, Worldpay etc). They are actually considered to be the financial arm of TESCO (or would TESCO be the supermarket chain of RBS?)
  14. As far as I believe a summary cause action limitwill rise to £5000 in January too. I think I will be pursuing my money via that route now.
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