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About hillnoeyes

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  1. I do not see that this constitutes a 'tidying up' the thread has been hacked to pieces by a mod who misread the original post and then sought to give bad advice and then harass me when he realised his mistake. There were two thrusts: I take on-board the BCOBS I gave that consideration, and will give it some more; but the second thrust was lost the midst of one of my posts which has been deleted and that is: The OFT test case ruled on whether the OFT could judge the fairness of bank charges. I am not the OFT; so how does that court case stop me from making a representation to the court with regard to disproportionate fees? I do not see how - but so many websites are unclear on this AND they seem to imply that the small claims court/disproportionate penalty charges route is now closed. My question was is this the case? Another thing that was lost was my thanks for citizenB (advice taken on board) and I would also extend thanks to NodNodWinkWink - again this advice seems to be great, and kind words too.
  2. Many thanks for the reply. My arranged overdraft is £350, and so I went about £8 over this. The payments were not direct debits, they were card transactions to my local shop.
  3. Could someone advise me on the current state of play with regards to bank charges. I have just logged in to my online banking and I see that I will be charged a total of £110 on the 22nd. These relate to 2 paid card transactions @£25 each (within about 30 mins of each other, one for about £4 the other for £6 - I thought if I had no money in the account the transactions would be declined). And a £20 arranged overdraft fee, and a £40 unarranged overdraft fee. (And as intimated above, I am quite sure I was only into the realm of unarranged overdraft because they cleared a card transaction when I had no money.) At the moment I am unemployed and on JSA, so I get about £140 each fortnight, and so my lovely bank has just taken almost half of a months money from me. Is there any way I can proceed with this? I have checked a few websites, but nothing seems clear - there seem to be a lot of websites set up before the 2010 ruling and it is not clear what still applies. I will be honest this has reawakened the ire I had when the OFT deliberately let their friends in the banking racket off on a technicality at the high court - but surely the contract law about penalty charges still applies here...there is no way paying two transactions of less than £10 cost them £50.
  4. On the contrary than you very much for such a quick reply! I think you have hit the nail on the head, I will get that in the post tomorrow!!
  5. Egg/B'card/Marlin - I will give an overview, but may be better to just skip to the end... I had an account with Egg. 1st problem Egg took direct debit of too much and took it twice in 2 days. Complained, and I got a half hearted sorry; but it cost me bank charges so I cancelled the DD and paid by cheque from then on. Even though I was paying they harassed me and sometimes phoned me 3 times day (the staff were lovely - they thought because my name was unisex they could make weak puns and just be extremely rude to me each time they called.), even after I sent the usual 'only dealing in writing', 'don't phone me' and eventually reporting them to the police and FSO. Police and FSO did nothing calls kept coming. Work circumstances changed, and eventually I was struggling to pay. At which point, I started going through the claim back charges and CCA routine. (AS I had heard that their CCA may be invalid, not that I don't want to pay my debts, but they had harassed me and caused me so much harm, I would have been happy to see them without their money - I feel I could/should have sued them for much more.) I had printed off my agreement when I first signed up, and what they sent me was a totally different document. I used the internet 'way back engine', and they had just copy pasted a CCA from about 18 months after I had signed up and appended a screen shot of a tick box with my name next to it. I complained...then it was transferred to Barclaycard, still unresolved. Now Marlin. I replied to a letter of theirs, I had no idea it was about the Egg card. I replied with a 'prove it' - nothing. I again wrote and CC'd to trading standards and the SOA, and belatedly I got a letter with no proof, just telling me that it referred to an Egg account. I replied stating that their letter did not provide any proof, and that without that forthcoming, I would not enter into any further correspondence. I basically said that I did not know them from Adam, and as such saw no reason to give any personal details. Today I got a letter saying that they will come to visit me to 're-establish contact'. I will send the 'do not come to my property letter'. But what does this say about the situation regarding Marlin's Egg cards: do we know if they have the documentation? As I have asked for proof and they have acknowledged this and not provided any, surely they could not take me to court? Are they just fishing?
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