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mtvessel

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About mtvessel

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  1. This is very interesting. I got a letter back from Natwest recently in response to my 7 day court action letter. The letter begins by saying "I am sorry to hear you are unhappy with the service you have recently received". I did not mention the word "service" in my letter. I put it down to them churning out standard letters without any thought. It now looks as if it was no mistake, and this is the approach they will take.
  2. I get more and more outraged each day from reading the threads on this site. It's quite deliberate of T*atwest and the other banks to manoevre people into a situation where they think you can't afford to fall out with them. It reminds of the saying along the lines of "if you owe the banks £10 and you can't afford to pay it, your in trouble. If you owe the bank £10 billion and can't afford to pay it, the banks in trouble". I hope this site and the subsequent legal actions makes the banks realise that it is they who are now in trouble.
  3. I get more and more outraged each day from reading the threads on this site. It's quite deliberate of T*atwest and the other banks to manoevre people into a situation where they think you can't afford to fall out with them. It reminds of the saying along the lines of "if you owe the banks £10 and you can't afford to pay it, your in trouble. If you owe the bank £10 billion and can't afford to pay it, the banks in trouble". I hope this site and the subsequent legal actions makes the banks realise that it is they who are now in trouble.
  4. Can you imagine a court making a decision that it was ok for a bank to bounce say 10 direct debits in a single day and charge £300 -£350 to cover costs? It's these automatically generated multiple charges that are blatantly flouting existing laws. They also use this same type of charging to get people into situations that they simply can't afford to get out of. Fixed income means charges maybe aren't paid on time, therefore impact on credit rating, therefore more borrowing at even more rip off rates etc etc. Some of the threads on this site have horrendous cases of banks trapping people who
  5. Can you imagine a court making a decision that it was ok for a bank to bounce say 10 direct debits in a single day and charge £300 -£350 to cover costs? It's these automatically generated multiple charges that are blatantly flouting existing laws. They also use this same type of charging to get people into situations that they simply can't afford to get out of. Fixed income means charges maybe aren't paid on time, therefore impact on credit rating, therefore more borrowing at even more rip off rates etc etc. Some of the threads on this site have horrendous cases of banks trapping people who
  6. Thanks for the clarification. I will now press on with court proceedings.
  7. Thanks for the clarification. I will now press on with court proceedings.
  8. What are the maximum costs that could be awarded against you if you lost. I don't mind risking a few hundred quid in order to have a go at them, but if it were more than that I'd have to think again. I've read the faq but it is not very reassuring in view of this "multi track" stuff.
  9. What are the maximum costs that could be awarded against you if you lost. I don't mind risking a few hundred quid in order to have a go at them, but if it were more than that I'd have to think again. I've read the faq but it is not very reassuring in view of this "multi track" stuff.
  10. What the banks decide to charge is their problem. What they should not be allowed to to is pretend banking is free. I run a business and charge people for my time etc. I don't pretend my services are free in the hope that my customers put a foot out of line so that I can levy punitive charges. If I tried this, I'd soon have no customers left. The banks get away with it because they are all members of a cartel.
  11. What the banks decide to charge is their problem. What they should not be allowed to to is pretend banking is free. I run a business and charge people for my time etc. I don't pretend my services are free in the hope that my customers put a foot out of line so that I can levy punitive charges. If I tried this, I'd soon have no customers left. The banks get away with it because they are all members of a cartel.
  12. How much could the costs be if they were awarded against you on a claim over £2000.
  13. How much could the costs be if they were awarded against you on a claim over £2000.
  14. I've checked my bank statements and they have been doing this at least as far back as 2001. In 2001 "Paid referral fee" £25 for items debited the previous day. In 2003, 11 direct debits unpaid over two days, £330 charges removed on the same two days. Isn't this in breach of the banking code- not giving a warning of charges?
  15. I've checked my bank statements and they have been doing this at least as far back as 2001. In 2001 "Paid referral fee" £25 for items debited the previous day. In 2003, 11 direct debits unpaid over two days, £330 charges removed on the same two days. Isn't this in breach of the banking code- not giving a warning of charges?
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