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Everything posted by SPROUTY

  1. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This has been a concern of mine for some time If I were a banker I would be shreading and burning all records of six years old on a daily basis, so if clients had no copy statements the bank could turn up at court and attempt to put the burden of proof on to the claimant who would struggle unless they had the old copy statements. So today, is Mr Banker is destroying my records from 23 Nov. 2003? Or Has he only destroyed the records up to 27 July 2001 (in order to "comply" with his interpretation of the terms of engagement agreed between OFT and FSA in the on going test case) ?
  3. Here's More 'I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered.' Thomas Jefferson 1802
  4. Well said! Where Have i heard that before? That was said in 1802 ? what will it take for us to heed his warnings?
  5. OK FOS They are not penalties.....so what are they? Fair charges for the service provided ? A reasonable fee reflecting the amount of work involved in "not paying" a DD...how much was I charged for not taking £10 out of the cash point when there were no funds avaliable? Oh yeh £0!! May be they are elephants?
  6. Don't waste your time with FOS. IMO there will be a read across to business accounts off the back of the OFT test case. In particular small business and sole trading accounts. Sit on your hands until next Wednesday and have a look at the situation then.
  7. But there is alot of interest in the handing down: what about this, posted within the last hour on the RH site. BREAKING NEWS Just off the phone to the press office of the Supreme Court, I've been told to expect an announcement within a couple of days. My money is on Monday. We should have notice of the expected handing down of the findings on the Test Case Appeal (which will be done within seven days). So we should have an idea of the way forward by the end of next week or by Tuesday 24 November at the latest.
  8. Just got one charge, you were'nt bothered about ? Why not give it to Children in need via charges for charity.com? They have an arrangement to waiver clams management fees so every penny INCLUDING ANY INTEREST goes to Children in Need, topped up by gift aid. what do you think?
  9. IMO They are, but are more pro active then most in seeking info and putting it into the public domain. They thank LB s for the information in this case but have been the source of other information. It's worth checking their news page sometimes it's free! & they recommend this site on their front page to claim for yourself
  10. This from ROBERTSON-HOLBROOK News Just Spoke to SCoJ (ex HOL) press office, reports in the press (namely The Mail) are somewhat optimistic. The Judgment is due to be handed down this term which is Michaelmas which could be at any time up until Thursday 17 December. Sian Lewis (press officer) told me; "We simply don't know but as soon as there is an intended handing down announced it will be posted on the News Page as there is a lot of interest in this case" "It will be this term and it will be before Christmas"
  11. Won't be before 26 October according to this ROBERTSON-HOLBROOK News
  12. Click on the link, FOS are The Financial Ombudsmans Service
  13. Ok NOW i see, The money will have to go back, you will have to pay what you can reasonably afford CAB will help you with this, It sounds like a genuine mistake and as bad as the Banks are they should have some sympathy with your predicament. IF and its a big IF it goes to court I am sure a judge will be sympathetic...still a great story !! You will get all the help you need here But IMHO CAB should be your first call Dont panic!
  14. A reasonable assumption. How could some one as big and clever as the lottery make such a simple mistake? Makes you wonder how often they do it? More over if they can make this mistake in YOUR favour howoften do they make the mistake in THEIR FAVOUR..??? when I "win" tenner on line I accept it..but now how do I know that I haven't won £23 K and been paid £10 . CAN WE TRUST LOTTERY ON LINE? WHAT SYSTEMS DO THEY HAVE IN PLACE THAT CAN MAKE SUCH FUNDAMENTLE MISTAKES?
  15. I think a trip to Citizans Advice could put your mind at rest. IMO This appears to be a genuine error and if the Lottery contact you and say you've won £23k (twice or even ten times) why would you not believe them. Have you considered speaking to the press this could "shame" the lottery into climbing down. If this happend in America i am sure the winner would be suing the lottery for the trauma and life style changing "mistake"
  16. You may be right but all the indicators suggest a climb down from the Banks, why else would they reduce their charges to £5 from £35, that's not the action of a confident defendant. Also I note that the FSA has written to all of the banks to ensure that hey have measures in place to refund "if need be" Hmmmm 2Ltr16valve The banks lost at high court in the issue of UTCC (& OFT ruling on fair charges) The Banks lost again at appeal to the High Court The banks appealed to the House of Lords (HOL) The House of Lords went on summer holiday They are back now as the newly formed "Supreme Court of Justice" (SCoJ) We are waiting for the ruling from the Lords from SCoJ
  17. This is an interesting artical which might have some read across to Blemain Cases: BBC NEWS | Business | Court lets woman off £8,000 loan From Ian Pollock @ BBC NEWS
  18. Could the Banks argue that It became obviouse to Jo Public- "the man on the Clapham omnibus" that charges were unfair on the publication of OFT investigation into Credit Card Charges (Feb 2006) or might that only apply to Credit Cards?
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