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thegasman

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  1. Thanks yourbank. Exactly what I needed to improve the letter and make sure the content was factually correct Very much appreciated. John:)
  2. Hi Yourbank. Wasn't trying to draw a response from you but trying to draw a response from the letter recipients. You, as with everyone else, are entitled to your views and I respect your right to hold them. My own personal view is that from a social justice stance this whole situation is wrong and should have been dealt with by now. Moore-Blicks has made a legal decision which I am sure is right in law but that doesn't mean it is a just decision. We have ended up with a situation whereby claimants have to wait for their cases to be decided whereas the banks (or at least the Hali
  3. Thanks yourbank. Trying to draw out a reaction and commitment. Anyone who just responds by refering to the OFT Abbey case will get an even longer letter. Let's see what come back. John:D
  4. Thanks London. Very tempting to add a few expletives - lol!!!
  5. Letter sent to Prime Minister, my MP, my MEP's today- 10th August 2009 Dear , I write to ask your views on the unjust problem of penalty charges being applied by the UK High Street Banks and their apparent disregard of the guidelines set out by the Office of Fair Trading (OFT), Banking Code, and maybe other bodies, when a customer disputes these charges. I also ask for your views on the prolonging tactics being used by the Banks and the Financial Services Authority by continued appeals and requests for staying of Court cases. The latest appeal by the banks appears to b
  6. Copy of letter going out to Prime Minister's Office, my MP, my MEP's today- Don't expect eveyone to agree with it but I would be obliged if you would let me know if there are any obvious errors of fact - thanks 10th August 2009 Dear, I write to ask your views on the unjust problem of penalty charges being applied by the UK High Street Banks and their apparent disregard of the guidelines set out by the Office of Fair Trading (OFT), Banking Code, and maybe other bodies, when a customer disputes these charges. I also ask for your views on the prolonging tactics being use
  7. Hi all Received the expected Stay from the Court today. So the Court has taken my fees but have put the case on hold whilst the bank has just taken the money anyway - there's justice for you John
  8. Thanks Aequitus Always interesting and informative to read other views. When I personally talk about justice I do mean social justice which does not always tie in with the law in my view. I don't know about other banks but the Halifax would never pay a direct debit (or anything else except their charges) which would take my account beyond its limit. I have no problem with this stance because any such payment would take me outside my agreement with them. I fail to see how then this is a service to me though. The charge is for notifying me of the situation and not for providing m
  9. Taking Sols advice as a start - link to No 10's petition site. The more who sign the better. e-Petitions search | Number10.gov.uk
  10. Thanks yourbank. I have claimed the full amount thanks to this site. We should have cleared the other account but I assumed (wrongly) because the amount was in dispute and subject to a Court case nothing would happen until the case was resolved. Regards John
  11. Hi rjex Agree with you. It is disgusting how the banks (and other organizations) are allowed to trample all over us and effectively say we don't give a damn about you or the law, we will do just as we like. When I was at college (many,many moons ago now) our law lecturer taught us that we couldn't make a penal default charge on a construction project. Any charge had to be based on the cost to the client eg. If a project overran by a month then the default charge had to be based on the cost of the loss (eg lost rent, interest payments etc.) and not just a figure plucked out of the air
  12. Hi all Update. I received the Allocation Questionnaire and returned it to the Court. I asked that the case be heard on the grounds that justice is being withheld by allowing the stay of these cases to continue any longer. I don't hold out much hope but it just might fall before a judge on a standing up for justice day. I am waiting for the Court reply. On a much more serious note in my opinion the Halifax have completely ignored my Account in Dispute letter (not even bothering to say they don't accept it) and continued to send 'threatening' letters. I wrote to the Office of Fair
  13. This is in relation to Barclaycard so I'm not sure whether this applies to the main survey; hence this thread. Earlier this year a payment using my Barclaycard was declined. I was nowhere near my limit so I telephoned them to ask why it was declined. A very nice lady at Barclaycard checked and told me it was a mistake and that the computer had picked up a problem on an old Barclaycard account from 1993. So I can say with certainty that Barclaycard keep records well in excess of 6 years. John
  14. Hi I went along to my local county court and started proceeding against Halifax/HBOS on 4th June 2008. I received a reply from Halifax dated 18th June. I assume there letter was standard in that it simply states that they have asked the Financial Services Authority to suspend the normal timetable for dealing with this. The letter then states that they will not issue or respond to any further communications on this matter until the OFT have reached a conclusion. I have received two letters from Halifax Retail Collections department during this time ( strange interpretation of non
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