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jon

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About jon

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  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 there. 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 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 there. 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
  3. 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 there. 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
  4. 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 there. 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
  5. jon

    Bank retaliation 2

    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 there. 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
  6. 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 there. 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
  7. 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 there. 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
  8. jon

    Bank retaliation 2

    thanks for reply. Can I ask what CRA is please - tried looking up on Google but couldn't find. If a specific/recognised term you see, it means I can look it up and it'll help fill in my understanding of how the banks are rating me (I am aware of particular things they can get hold of at different places, eg through the standard credit reference agencies, Experian/Equifax...). ta.
  9. You are right that they are strictly speaking providing a 'service'. My wording was not as exact perhaps as it should have been; I was wanting to pick at the the reasons for banks like Lloyds sometimes only issuing cards when you take out the insurance (as happened in my case) and turning down the application if you don't take out the insurance; and show that it may be a 'service' in the legal sense but there are other meanings of the term that do not apply to the provision of payment cover protection. The advisor who dealt with my application, you see, tried to make out that the insura
  10. inconsistent charges at Lloyds btwn business and cur a/cs An observation: Lloyds charge a 'business focus fee' simply for a customer having a business account - £10 a month - and charge on top of that, fees for processing business account cheques and the like. nothing happens on my business account that does not happen with my current account - they are both normal accounts and I have a cheque book for both. Yet Lloyds are charging around £13 a month for the business account. There is no 'business focus' involved; the only focus that ever took place was an administrative meeting with
  11. jon

    Bank retaliation 2

    ok will assume that account shutting and so on would happen to me so would ensure getting a new account, card, credit facilities etc at a new bank before suing my existing one. Given my existing position of having an overdraft (partly up to the limit), a small loan, credit card with a couple of thousand on it, it would seem best to wait to clear some of this off, at least, before suiing the current bank. However...a very major question...I could handle having to move bank as a result of having sued them, but let's say I had opened the new bank account using my current credit rating and go
  12. can accept I've lost that money...in fact I recall thinking I might cancel the payments before but was intimidated at the time by thinking that if you do something like that, the bank might ask why, and as I had become unemployed (not in a way that would have entitled compensation from them in any way, having been a contract worker previously) I did not want to reveal my financially weak position to them, having an outstanding balance. It would be difficult for them to claim the payment cover was 'providing a service' though when nothing was provided - except a charge on the bank stateme
  13. With my Lloyds credit card, I noticed about 18 months ago that I was paying 'card repayment cover', or 'credit protection cover' as it was sometimes called, every month. Stupid, perhaps, but I hadn't quite taken this in before on statements as I was concentrating on avoiding late charges and the like; I rang up to stop the payments on notcing them. I did as far as I remember query why they were on there but not in a very full-on way. In light of finding out about bankaction group and the actual legal position on account excess charge, bounced SO and DD charges etc...it is not the same thi
  14. It's a tricky thing to prove then. I have a health complaint that is stress-related and it was caused by financial problems which the bank's actions contributed to. I have explained in a response to one of the other moderators that my own position was - mostly 5-6 years ago but I am not free of debt yet - one of being close to bankruptcy through difficult financial circumstances (following redundancy in a field where due to structural factors employment was reducing). In any case, when you're on or near your financial limits due to difficult circumstances, obviously bank charges can lead into
  15. FAQ says claiming for charges more than 6 yrs back wd be uncharted territory - beyond what we know to definitely be possible. Just wonder if anyone, moderator or otherwise, might have any idea how one could look in to what might happen if this kind of action was pursued...you'd think it is only time before someone tries it, so I guess there must be ways of researching this area, even if it's a pretty complex area/difficult to look in to...
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