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kennyh

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Everything posted by kennyh

  1. I've been away from the forum for some years and GOD how things have changed. I've just discovered that my old (premier 50 currant account) was packaged and contained an element for ID protection, which, naturally enough, I would like to claim back. Is there a template or procedural advice that I might be able to use - please?
  2. Thanks Slick, Yes it's a BC account and in the past they've 'rolled over'. Whether they've newer 'fired up' staff I don't know. I am confident that I can beat them I just wanted to avoid the AQ side of things and, having wasted a couple of trees worth of paper on court bundles in the past, I just thought I could do without that for a couple of hundred quid BUT wot the hell...... Ken
  3. Once again Slick very many thanks for your perseverance. The bank is Barclays and, yes, I've done the lba bit and the 'how much' isn't a problem. I was just curious on making a money claim, which I know many did a few years back but I never have. Ken
  4. Slick, VERY many thanks for your input all I would ask is perhaps some elaboration on the following I realise there are more than a few variations from bank to bank but will, in general, use the time honoured 'unlawful' arguments since these were not affected by the supreme court decision.
  5. I'll begin by asking for claims against credit card charges (you'll recall that these are the ones that the OFT did not manage to foul-up). I've been trying to assist a number of people to recover such unlawful charges but I note that card companies are increasingly trying to adhere to their 'belief' that their charges are "wholly justified and fair". I used to just complete an N1 as per 'Small Claims Procedure: A practical guide' - Yes I did purchase one as recommended by this site! I know of no credit card company that has endeavoured to defend its charges or pr
  6. Thank you to those who have viewed and/or commented but I would still ask does anyone know whether we already have - or will have- any templates for this particular process?
  7. I realise that there are similarities with other re-claim exercises but do we, or will we, have any templates in the library to cover these later 'mis-sells'?
  8. Hi there, My enquiry at #45 is now a further 18 months down the line - still no developments? Are there ANY details of cases (which one must assume, met with a degree of success) initiated by GLC but had gagging orders attached. Is it not reasonable to surmise that the cases in question will be a matter of public record where we can at least glean some useful background?
  9. Is it not possible that Payment Services Regulations 2009 might be a better vehicle for this activity. After all I cannot be the only person who has had his account abused unilaterally by his bank sufficient to place said account into 'unauthorised' territory. Certainly the section titled 'Authorisation of Payment transactions' including regulations 55-68, and, quite probably, other regs as well, would seem to cover the ground? PSRs would certainly seem relevant to a significant degree. I shall read more tomorrow.
  10. Of course I'll let you know what I find, however if what I wrote is true then there are certainly questions to be asked on the 'pro' side.
  11. I am, as I should already have done, doing my homework on CCA,UTCCR, FSA etc. After all, Lord Philips didn't have the benefit of BCOBs when he gave the OFT the, albeit figurative, clip round the ear and left the breadcrumbs regarding possible lines of approach on the bank charge problem. Given that I am faced with diametrically opposed views on the use of BCOB coupled with the apparent fact that there have, as yet, been no BCOB judgements awarded I also do need to care for my disabled son, which does, on occasion, present its own unique set of problems. I am going to progress this but, if only
  12. Ain't that the truth! They don't even speak with the same tongue within the same division. Even the FOS had some difficulty getting a consistent story and although the person at FOS doesn't know it, she STILL hasn't been given all of the correct facts.
  13. Went to appeal and in 2012 DWP admitted that "it was all their fault". Go to appeal!
  14. Bankfodder, YOU asked me to link you, in open forum, at #10 & #13 above et al then, when I do I'm edited out (so not as much losing it but LOSING out). Sorry CAG doesn't like external site referral but it's all I have and with the degree of uncertainty being expressed I need to look somewhere. Plus, I seem to recall other sites being mentioned in days gone by (GLC springs to mind).
  15. I must be defiitely 'losing it' since I sat down yesterday evening and composed a response indicating that much of my earlier observation stemmed from the regs and I assumed (something I rarely do but in this case felt justified) that you were much closer to 'the action' and would already be aware of the reservations expressed. Bear in mind that I have never even completed a moneyclaim (having approached the courts down the N1 path in the past) and merely want to be certain of my ground before putting my money where.........
  16. Ashamed to say I haven't made an 'in depth' studyof the FSA Handbook(but will begin to do so tomorrow) and pleased to say that today's news covering judges and immigration has made it much clearer to me showing how regulations can carry the weight of law without there being an Act of Parliament for backing.
  17. For my part I am content to seek a judgement. However in my early investigations into BCOBs I have foundmany conflicting views, specifically: *on the FSA site "Legal status and disclaimer The FSA has reviewed this Industry Guidance for aspects ofretail banking and has confirmed that it will take it into account whenexercising its regulatory functions. This Guidance is not mandatory and is notFSA Guidance." and from a variety of other sources which you may or may notbe aware of *The background to BCOBS The Banking Code and the BusinessBanking Code have, since 1992 and 2002,
  18. Of course but it's now very late so I'll do it tomorrow. Ken
  19. Hi Banky, I shall seek a judgement since I have, about, had enough of 'gestures of goodwill'. Time to call a spade a b****y shovel. I shall be pm'ing you on one or two matters before I begin in ernest.
  20. Banky mille thank yous. I had downloaded a monumental piece of BCOB but thought it was sponsored by FSA merely to replace the BC. The fact that it is legislation does, of course, make life a lot more straightforward and I shaa do some serious reading. The account is NOT closed and the sums are not large and I am inclined toward a judgement. I am inclined to agree with you ( having had some dealings with the banks over the years) and I am inclined to refuse an offer. Do I have to state grounds for refusal in order not to upset the courts?
  21. Again, very many thanks Banky, I did NOT realise that Moneyclaim had become preminent and am a little 'wrongfooted' never having gone down that path. Bye-the-bye has anyone tried using BCOB as an instrument to challenge bank charges; or (although the OFT case was heard using an inadequate part of consumer law) did the SCoJ judgement blight our chances for all time under all law and did it subsume that elderly piece which made it unlawful for companies to recover more than liquidated losses? I know this might be considered 'off subject' but I believe it could be a very strong alternative aven
  22. Thanks Banky - should I try their litigation section before issuing N1 (it's their customer services who were not prepared to give the finaql £30 to puit me back in credit and allow mw to close the account- what the current tally is (allowing for charges on charges, which I have challenged other banks on and won) lord only knows)? They bounced the DDs and I do have a miscellany of notes issued which confirm no overdraft, as a norm for this "Cashminder" account although apart from the initial branch interview, I have no wriiten confirmation that a cheque book would not be forthcoming. Do
  23. Thanks caro, but it HAS been an awful long time now - do we know what's 'on the boil'?
  24. I opened a 'parachute' account with Co-op and was advised that I would have neither an overdraft facility or a cheque book. This was acceptable. I set up 2 direct debits to cover gas & electricity payments and the supplier began to play around with them and increased the demand rate saying they have my agreement (I currently have an SAR running to prove them wrong). Because of their attempts to take more cash then I could give, bank charges were generated. In order to receive their charges, the Co-op put me in overdraft territory. I raised this with the bank and they have refunded hal
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