OFT test case

[caro]

CAG is not involved in the test case, although of course we all look forward to the OFT winning.

[JOSH_IOU]

CAG is not involved in the test case, although of course we all look forward to the OFT winning.

 

Taken from the front page of this site.

 

A powerful alliance of The Consumer Action Group and Martin Lewis MoneySavingExpert.com decided that the impact of the 44 bank charges strikeout orders in Hull was too great. Together the two consumer forums arranged to challenge the strikeout orders with the help of solicitor Mike Dailly of Govan Law Centre and local Hull solicitor Baser Akoodie both of whom provided their services free of charge. Mike Dailly provided so much help that at one point he was obliged to meet with the trustees of his charitable law centre in order to obtain their permission to continue to provide his support for the case.

[Rooster-UK]

That has absolutely nothing to do with the OFT case.

[JOSH_IOU]

??????????

[Rooster-UK]

Taken from the front page of this site.

 

A powerful alliance of The Consumer Action Group and Martin Lewis MoneySavingExpert.com decided that the impact of the 44 bank charges strikeout orders in Hull was too great. Together the two consumer forums arranged to challenge the strikeout orders with the help of solicitor Mike Dailly of Govan Law Centre and local Hull solicitor Baser Akoodie both of whom provided their services free of charge. Mike Dailly provided so much help that at one point he was obliged to meet with the trustees of his charitable law centre in order to obtain their permission to continue to provide his support for the case.

That happened last July in Hull. Click link to Money Savng Expert site for full details.

 

http://forums.moneysavingexpert.com/showthread.html?t=494020

 

The OFT case hearing has just finished and took place in London.

[JOSH_IOU]

 

We should build a statue in honor of this judge.

This is how hero's are honored in this country.

[JOSH_IOU]

I fail to see how charging per transaction is lawful.

[WILKINSS208]

so if we dont have cases filed in court yet, will we not be able to claim even though we have submitted SARs and LBAs letters?

[photoman]

Caro, and Rooster.

 

Further to the response I received from my MP, I am considering following this up with either another letter or possibly even a meeting.

My MP is certainly concerned about the manner that the case has been conducted, and I also suspect would be similarly concerned about how there was no consultations or involvement with Consumer groups or the Public generally.

I would also like to get his opinion on the issue of Bank charges generally, as I feel sure he would be sympathetic to our cause.

 

I think a properly phrased letter would show how strongly concerns about bank charges, and how the current scene of blanket stays is biased towards allowing the banks continue such practices, are not just restricted to a few of his constituents.

This may perhaps encourage him to raise such issues in a more public manner.

 

Such a letter would certainly benefit from some input from either of yourselves, (or other Mods, site helpers or even admin).

Could someone PM me in interested in helping to compose such a letter?

 

PM

[dave]

so if we dont have cases filed in court yet, will we not be able to claim even though we have submitted SARs and LBAs letters?

 

 

Woaaaahh there hoss.

 

I think we should wait until the decisions have been made by the judge rather than guessing.

[WILKINSS208]

i am just concerned as I have 7 cases not filed in court yet. worried incase loose out.

[The Phantom]

Woaaaahh there hoss.

 

I think we should wait until the decisions have been made by the judge rather than guessing.

 

That's what's worrying me now. I have lodged a complaint with HSBC, they now owe me around £1000.- in charges. I have not started to file in court yet as I wanted to hear the outcome of the test case, in the (albeit unlikely) event the banks win I thought I may have wasted the money for filing.

But should I get the claim in now quickly or wait. It is a bit unsettling now.

[WILKINSS208]

yes thats how i feel.

didnt want to file as havent got the money to do so at mnute and wait months to get back.

i might try and submit a few - the larger amounts asap

[JOSH_IOU]

Just don't use the UT'S

[JOSH_IOU]

Any way you could still submit your case's that is what many other sites are suggesting you do.

 

Dunno if this has come up on other sites though as i just read the front page and they put me off for some reason.

[car2403]

Whatever the outcome of the TC, there will most likely be an appeal.

 

In the meantime, your losing out on 8% interest and probably missing out on 6 years + charges that are dropping off your claim.

 

Why are you waiting, when you are clearly losing out here?

[empowered]

Surely it is worth paying the court fees when such a potentially large reclaim is at stake? Why risk losing it all?

[JOSH_IOU]

:)are you waiting wilkins?

[JOSH_IOU]

this is interesting

 

targeting_tools

[The Phantom]

Surely it is worth paying the court fees when such a potentially large reclaim is at stake? Why risk losing it all?

 

It is just that not everybody can comfortably afford the court fees without risking going overdrawn again. I am on a very tight budget and I was worried I invest that money, the banks win and I can kiss it all good bye.

I have lodged a complaint with the bank as advised by the FOS and apparently that is pending the outcome of the test case.

So I thought I leave it at that and wait for the outcome of the test case before I commit to file a court claim, but now the rumours are going around that if you haven't got the claim in by the time judgement is made you can't claim at all....and that is what's worrying me not the 8% interest or something.

[JonCris]

Phantom await the judgment.

 

The scare story your hearing has probably been put around by the banks. - you might like to know that a consumer has within the last few days been offered full settlement by one of the banks involved in the OFT case - they may well be beginning to think they may lose

[patrickq1]

i would nt worry too much about the six years i beleive we can go back to the year dot,since it will be when the charges where first discovered to be unlawful as in the recent RAPE CASE we will have the right to claim back as far as your account goes

patrickq1

[TUTTSI]

I went on Friday to the last couple of hours of this case and it sat a few seats away from the BBC and Which reporters.

 

It is interesting how each of the banks T&C's are not in PIL and yet the Barister for Nationwide told the Judge that his client's T & Cs were in PIL and different to the rest. After Mr doctors for the OFT had finished, it seems they are really no different.

 

If as the Judge says that his judgement will translate to historical T&C's then I believe that he has seen through the banks changing their T&C's to cover up.

 

I myself am keeing my fingers crossed in hope that all the claims will soon be paid.

[TANZARELLI]

Phantom await the judgment.

 

The scare story your hearing has probably been put around by the banks. - you might like to know that a consumer has within the last few days been offered full settlement by one of the banks involved in the OFT case - they may well be beginning to think they may lose

 

This is true

[The Phantom]

OK, I will sit tight and hope it will all turn out for the best

(Still sweating buckets mind you.... )