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How unfair is the FSA waiver stopping claims? Let us count the ways...

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The waiver given to the banks at the end of July gave them a 'get out of jail free card' that allowed them to stop dealing with complaints relating to bank charges for bounced direct debits and overdraft charges.



Why it is unfair for customers?


1. It presumes that the banks are innocent of any crime when in fact the balance of probability suggests that they will lose the OFT Court Case (should it ever happen).


The banks argument goes something like this:


"Well we would have to send you a bill for the charges if we won the OFT case"


My Answer: Fine - if you win send me the bill - but stop charging NOW!!



If you are going to allow banks to stop claims, then charges should be stopped as well (even if this means that in the event of the OFT ruling being in favor of the banks bill would be sent to claimants).


The banks have too much control over bank accounts. They can charge at will and change terms and conditions at the drop of a hat. They can also take money from your account - and there is very little you can do about it if you disagree (or even if the charge is made by mistake).

A £35 pound bank charge is not a charge for a service. Its theft.

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