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choco

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About choco

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  1. ah i see, so we just wait then? Will there be announcements?
  2. What do we do now? I must admit I haven't been keeping up with this, last time I came on here was probably around feb this year as i wasn't hearing any positive feedback on what we need to do next. In fact it just seemed like we all had lost a long and expensive battle! so is there any new glimmer of hope for those us who have been fighting for 4 years or more, or do we just give up now and forget about getting our bank charges back??
  3. choco

    So Now What???

    Thanks Martin. So do i need to reply to them reminding them that it is not closed and its still in the court?
  4. choco

    So Now What???

    The full letter is on pg 1. They have said: "If we do not hear from you within 8 weeks of this letter we will regard your complaint as closed."
  5. choco

    So Now What???

    Yes I think thats exactly what they are doing! I am worried what will happen though if i do not respond in the given time frame???
  6. choco

    So Now What???

    I'm not 100% sure, are the stays just getting lifted now that the OFT lost???
  7. choco

    So Now What???

    Yes thats true, good points. So how do i address my issue then? As I do not want my case to have all been in vain?
  8. choco

    So Now What???

    Do you have a link???
  9. choco

    So Now What???

    Ok, the thing is I do not want to close the case as we all know the charges are unfair, whether the OFT are helping or not. So how do I go about responding to this, seeing as I like everyone else is waiting for a loophole?
  10. choco

    So Now What???

    Martin, the last information I have had from the courts was when my case got stayed in 2007, I think it was. Nothing at all has come from the court.
  11. choco

    So Now What???

    Ok, let me know how you get on.
  12. choco

    So Now What???

    Thanks for the reply, ok so:- Two accounts savings and current with Natwest. My case went all the way, I even got an offer of almost 2 thirds of my claim, but following the advice I pushed it and went all the way (now in hindsight I wish I had just taken it) They were both stayed pending the appeal. This is the letter dated 7 Jan 2010 We refer to your complaint relating to unarranged overdraft charges which was previously on hold under the terms of the FSA Waiver. The Waiver has now lapsed and we are therefore writing to you to respond to your complaint. We consider your complaint to have been about the level and, accordingly, the fairness or lawfulness of these charges. As you will be aware from when we last wrote to you, we (with several other banks) entered into agreed legal proceedings with the Office of Fair Trading in relation to unarranged overdraft charges on 27 July 2007 to gain clarity on this issue. Following the judgment of the Supreme Court on 25 November 2009, the test case process is now complete. In our view, the judgment of the Supreme Court means that the level of the unarranged overdraft charges you have complained about cannot be assessed for fairness under the Unfair Terms in Consumer Contracts Regulations 1999 or challenged under the common law penalty doctrine. We do not believe that there is any other legal basis on which the level of these charges can be challenged. We are satisfied that the charges you seek to reclaim were properly charged and the outcome of the legal proceedings confirms our position. We are therefore not upholding your complaint and will not be refunding the unarranged overdraft charges you have complained about. We are happy to address any questions you have arising from this letter. You may find these answered by our website at the following link http://www.natwest.com/overdraftchargesuodate. If your complaint does not relate to the level and, accordingly, the fairness or lawfulness of these charges then please let us know by contacting us selling out the details so we can consider this further. If after this you remain dissatisfied, we will provide you with details of how to refer your complaint to the Financial Ombudsman Service. If we do not hear from you within 8 weeks of this letter we will regard your complaint as closed. If you have any questions or wish to discuss any of the above with one of our members of staff, please call us on 0845 3030 456. Lines are open 9.OOam - S.OOpm Monday to Friday or 9.OOam - 1 .OOpm Saturday.
  13. choco

    So Now What???

    I've been watching the announcements - nothing, also i'm now on a time frame; any help on this would be really appreciated, i have pm'd you too..........
  14. choco

    So Now What???

    I have a time limit; on the letters I have to respond within a certain amount of time. Can anyone tell me what the situation is with rewriting the whole way to make the claim? I dont seem to see any announcements on it, have we all been forgotten??? I need to do this asap or my whole claim that has been going on for almost 4 years is going to get closed.
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