You get that on the conclusion of the OFT test case issues but it is one less thing to worry about.

There are 5 law lords who are writing up their decision. The date mentioned was based on one of them already writing them and so we may as well wait for a press announcement this week which maybe helpful as to the date of handing down. I am sure they have been receiving a lot of calls from everyone who is interested in knowing the date

Who has sent the income and expenditure and what reason was one sent in the first place? Difficult to advise without really knowing what prompted one to be sent.

I would agree with the contents of what you are writing. Personally, I wouldn't do it in branch since the commission rates are a lot higher than brokerline. Were you registered with brokerline beforehand or did they simply call up natwest stockbrokers directly? Were you selling one companies shares or a number of companies as it would have been commission on all shares ie for example, British Gas shares and BP shares.

Legal challenge is a NO(yes I have seen some legal advice with regards to a judicial challenge. The County Courts have also been given advice with regards to the stay by Moore-Blix in February that is was fair since the legal status of bank charges had yet to be decided on. I fully expect that should the Banks' fail in their appeal that they will issue further advice advocating a stay on this. It is a rational approach from the courts while there is no certainty on the issue.

"Question Will there be a financial charge for access to health records? Answer Under the Data Protection Act 1998 (Fees and Miscellaneous Provisions) Regulations 2001 the maximum fee that can be charged for providing copies of health records is £10 for computer records and £50 for copies of manual records or a mixture of manual and computer records. Charges are for copying and posting the records only and should not result in a profit for the record holder. Some types of records, such as x-rays, may be expensive to copy." not sure if this will help. Would there be manual records? It does say maximum fee... Source: Frequently asked questions about accessing health records : Department of Health - Managing your organisation

However, there is other issues that relate to this which would take it back to January 1995 [1995] 3 Web JCLI The above article should explain it.

I wouldn't touch any of the money and ask the bank to open for you another account for your wages to go into separate from that account since the police advice is for you not to touch the money but you still require an active account to use.

"Citation and commencement 1. These Regulations may be cited as the Unfair Terms in Consumer Contracts Regulations 1994 and shall come into force on 1st July 1995."

In most EU states it was January 1995 for example, in Ireland S.I. No. 27/1995 ? European Communities (Unfair Terms in Consumer Contracts) Regulations, 1995. The UK, Germany and France though enacted it slightly differently by passing laws.

The act says 1995 July. The Unfair Terms in Consumer Contracts Regulations 1994

To quote the litigation agreement and on the basis of the judgement going against the banks on the issue of whether UTCCR 1999 applies to bank charges I would expect further advice being given to the county courts. After all, we have the substantive issues to resolve formerly. The original litigation agreement stated: "G. The Parties intend that, depending on the outcome of the Investigation and the Court’s determination of the Preliminary Issues, the substantive issues of fairness and penalty will be determined subsequently in these proceedings. The Parties also envisage that other issues flowing from those issues (such as customer restitution and limitation) would come to be determined concurrently with the said substantive issues." My opinion is that it is dangerous to talk about lifting stays prior to the Supreme Court giving their judgement since it would be reasonable for them to have a certain amount of dialogue with the Head of the County Courts with regards to claims already in the courts. Whether a county court can decide those substantive issues is questionable since the banks could appeal every single case without formal legal certainty on the substantive issues.

Like the post Michaeal and the bit at the end.

I'm sure that a member of site team on here said that it is full of tweats(not sure if that was their spelling though ).

Not entirely sure what you mean on the last bit. SfrFrench simply said what many of us old timers have said. Frustration is only natural due to the high expectations we have all been guilty of giving people ie date will be this date, or that date and yet not telling people that the Supreme Court will not lead to refunds before Christmas this year. Whilst I haven't suffered the things you have I do find a lot of times that there is information in the public domain in which you can clearly see the thinking on what constitutes financial hardship, how it works and specifically what expectations you should have.

You have to acknowledge the claim within 14 days. Immediately ask NatWest for a Subject access request for the charges on your account. Furthermore, you will be defending the amount based on the charges. How much is the amount the bank are taking you to court for?

It was in what you stated re that it will be on a day when nothing was scheduled. You don't need a whole day for a judgement. With regards to the 2 minute thing. The Court of Appeal in February took roughly 3 minutes to give its verdict. In fact, it took longer to get a copy of it and for me to say hello to MSE Wendy and getting out of the court than it did for the handing down of the judgement itself. Ultimately, WE KNOW we will have to wait for any announcement for any pronouncement.

Actually, I thought I had read this before but in fact I have read a similar story. Ask NatWest to send the money back to where it has come from since if it has been transferred into the account then it can be sent back. Once it has gone shut the account because clearly the details have been compromised by the fact that you have put them onto the internet. Furthermore, NEVER give your bank details to someone you do not know or respond to emails unless you are 100% certain who they are. Does your part time job pay you into that account? Or is that the fraudulent thing you have mentioned?

There are 2 arguments I would use. 1) You came from South Africa and was sold an account without being told the benefits 2) You were told something that was not correct which was that downgrading the account would have a consequence that legally it didn't ie that the account was essential to have the associated benefit attached. If they don't refund from point 1 then I would think from the point you asked about downgrading it is a definite for a refund of charges up to the point you cancelled yourself.

I can't answer the second part of your question but alanalana might be the right person to ask on that score.

Stevep, you cannot charge the bank the same as they charge you as there is no provisions within the contract for doing so. I think there is only 1 case ever where I have seen the customer(HSBC was the bank) use a variation of contract which stood up in court where the bank were forced to accept a provision not already initiated by themselves.

That's the thing, BankFodder, it doesn't really move it up, down or left or right. You are in the queue the date your claim is received and those who haven't gone to court are not disadvantaged by not doing so. I think there are advantages and disadvantages to doing so. I don't think we will ever agree 100% on some issues BankFodder but ultimately, our end game is the same. A fairer system of bank charging and the repayment of charges that are unfair. Ultimately, we both will win even if we have a scrapes and bruises during the process

And unfortunately both are incorrect in your thinking. The Court can hand down its verdict after other cases have already been heard since it would only take 2 minutes to actually state that the appeal has succeeded or that the appeal has failed. In fact, we should be reminded the Justice Smith did hand down one of his judgements at the end of the day(after the stock market had closed ). We will have to await what the Supreme Court has to say I guess and then we will know.

If you use internet banking on the page before the accounts page ie where it says when you last logged in it will tell you the email address that you have registered with. Do you have paperless statements? Personally I don't because it means receiving a paper statement and I would probably advise you to change that date. If it is the first time you have been charged then see if they will refund some of the charges as a gesture of goodwill. There is no account with natwest that prevents you getting charges, unfortunately.

If you do not have priority debt arrears(mortgage or rent, council tax, or utilities) I would be surprised if they did consider you in financial hardship. However, if you are missing payments on your credit card then I would suggest you start reclaiming charges on them and if you had PPI on the loan then worth checking if that was missold or not.