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FireFox01

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  1. I think that the name is a problem Credit - like credit cards and Union like the industry union. I am going to look in to this and i would advise anybody to do the same. lets face it the banks will always make vasts amounts of money from us, just like the goverment do. the only real true way to make the banks fell pain is for them to lose customers to something smaller. So lets make them understand that we do not need them, they need us.
  2. It is clear that the banks and the OFT have struck up so kind of agreement. The banks need to be hit and hit hard. What we need is a bank that will act fair and lets face it, it can not be that had to do. Some rich man out there (Richard Branson) who look at new investments should look at opening a bank so that people can put there money in and not have so greedy exec take it out and buy a new merc while the average joe is lucky to get an old mini. I have change all my direct debit to standing orders that make life easier and it is only my wife that has a bank account i do not has i do not trust them after they put me 2,000 in debt with their charges. NEW BANK IS WHAT WE WANT AND THEN ALL OPEN UP AN ACCOUNT AND MOVE OUT OF THE OTHER BANKS this will hurt them as it is our money that they use to make theirs.
  3. I was advise to go the FOS route before any court action as the FOS will not deal will the case if it is, has been or will be going to court. I will be glad if i win as it saves both me and the bank court costs.
  4. if you have had your letter back saying NO which is what i got back then do the following. Got to the Financial Ombudsman and fill in a complaint form there (need to go to moneysavingexpert for advice). I spoke to them having personally handing my complaint to them, as i only work across the road from them, on monday last week and the bank replied on friday. The FOS said that banks are just agreeing to pay the full amount and have not yet argude the fact, but they are getting over 2000 letters per week so could take up to 3 - 4 weeks to sort out. Best thing is it is free and leaves you with the courts if it begins to fail. So file with the FOS first and add this on it. Schedule 2 to the Regulations of terms that are deemed unfair lists some types of standard term that may be found unfair and one of these within the list reads ‘allow the business to impose unfair penalties on the consumer’.
  5. I have just received my 'Go to hell' letter from the bank for my claim on 2 account totalling 7300 pounds. I am just about to send of my LBA. but if this fails 'which it may do' which route is best Legal or FOS or is it possible to go legal first then if that fails FOS.
  6. I am in the middle of claiming. but just one question, if anyone can help, Halifax sent me information of bank charges to another persons account:o . Do i send this back or use it as a tool to encourage payment of my bank charges. I have got my statements for both my account now
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