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thegoodsamaritan

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About thegoodsamaritan

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  1. This topic was closed on 09 March 2019. 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 09 March 2019. 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 09 March 2019. 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 08 March 2019. 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. This topic was closed on 08 March 2019. 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 03/08/19. 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 03/07/19. 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. This topic was closed on 03/07/19. 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
  9. This topic was closed on 03/07/19. 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
  10. Says who exactly? Where did you get that information out of curiosity? Thats exactly what the banks want consumers to think so they think twice about jumping on the the whole "abolish penalty charges" brigade. Banks don't make the majority of their profits from "penalty charges" - they make them (at least in retail) by keeping a good customer base relatively happy and selling loans / credit-cards / mortgages / investments / insurance / packaged accounts etc to them. As has been said on this thread in various guises already if any bank started charging it would quickly lose a large portion of its customer base (and thus its profits). If all banks did this it only takes one to offer free banking to steal a huge portion of market share (And thus profits)
  11. The banks all seem to want to scare us with quotes like "well if we don't charge for unpaid direct debits etc then it will mean an end to free banking in this country" Just had an interesting chat with a friend of the family the other day who works for a management consultant company that's heavilly involved in advising the banking industry about how best to maximise their profit. Didn't mention this site - just asked him what his thoughts about bank charges were. His take the on the charging situation was basically "we live in a capitalist world thats just the way it works" but also more interestingly that "Banking is set to become a whole lot cheaper for consumers in the next year or two but the banks will fight all the way to delay lowering charges" When I questioned him on an end to free banking and said that was the way I thought it might go he said it definitely wouldn't happen. That's just his opinion but saying as he's one of the people actually advising the banking industry thought I'd share his thoughts with everyone. Sorry I've not posted for a while I just don't get the time these days due to family commitments. (likewise for lack of responding to personal messages sorry again)
  12. If you have a large amount of charges, then yes the "best" way to get charges back is to follow the process here and go to court... But... If you only have a maximum of one or two charges with each bank then I'd say it would be easier to claim all your charges back without the hassle of having to go to court by being "friendly" with the staff and asking for them back as a goodwill gesture. Yes the banks may be in the wrong but would you rather resolve it quickly with little hassle or have it dragged out for longer? In my experience in the past credit card companies have refunded a single charge time and time again without hassle just by me appologising, explaining it was an oversight and simply asking for my charge back.
  13. Been on holiday for a bit but good luck mate hope all goes well!
  14. Yeah it might be scary but its what you need to do (apply for the court order). Look at Candices thread, there's lots of helpful tips there. She has just had all her money and court fees refunded in the last day from RBS as they said it wasn't "financially viable" to contest the ruling. Your claim is for much less so you'll win as well. Go for it!
  15. Well done! I've been following your case since the start and its great to see them back down.
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