H.O.L Test case appeal. Judgement Declared. ***See Announcements***

[nosnewois]

That news report is completely one sided. It only has the views of the banks qc's.

Shame on you BBC.

[Loonychoons]

The DJ AND the defence barrister in my stayed (mortgage) claim today both said April for the judgement from the OFT case.

[oggyman]

Hi I'm not certain but in order for the waiver to stay in place the agreement was that no substantial changes be made.

If the banks alter wording that seems substantial to me as does increased FINES!

[choco]

Let's try and at least keep this thread as it states - updates.

Does anybody know what's happening now? Did this end on Friday the 8th?

[oggyman]

Did I just get a rap on the knuckles?

Sorry

Only news is on bbc website.

Its a little vague ,waiver to stay but county courts to make their own decision.

[choco]

Did I just get a rap on the knuckles?

Sorry

Only news is on bbc website.

Its a little vague ,waiver to stay but county courts to make their own decision.

 

LOL, no you didnt hun but theres so many topics with people ranting about this whole test case, it would be good to keep this one simple and to the point!

So i take it the county courts will write to us then, with their decision?

[stonedecroze]

This is nothing new but may help see where we are.

 

Bank charges hang in the balance as test case awaits judge's decision

[Caz1974]

You know whenever I read about this and it states " the end of free banking" I always think when as it ever been free anyway - we get none stop charges!

[Caz1974]

We also need to boycot the FSA and the courts to say whilst all court cases are stayed the Banks should freeze everything too ( there's countless cases of people being stuck in the stayed cases situation whilst the Banks keep piling on interest and more charges to those claims)

This is a one sided situation even before the decisions been made!

( rant over )

[SELV]

Nice one STONEDECROZE, there are a few big words in there but got the general jist of it ,looks like a bit of a wait but as they say good things are worth the wait? me thinks:) luv to BOOKWORM spke soon SELV ...X...

[chunky1977]

Just a thought - Not sure if anyone else has thought of this but:

 

If the banks have managed to get A Stay on all cases due to the ongoing test case then surely there should be a Stay on all charges being levied to accounts as it has not been decided if they are fair charges or not.

[Charlies Angel]

I'd rather be charged for my banking than be ripped off by bank charges which cause further bank charges. Why should the people who struggle financially pay for other people to have free banking anyway. Charging everyone the same seems more fair.

[InformedSearcher]

If I recall correctly the 'FSA' allowed only a limited time for a 'stay'. So has anyone the details of how long this is and following that does that mean people can revert to the original plan of reclaiming charges?

In one way banks might find they are kind of winning but on the other hand they must be employing more and more people to reply to claiments? One wonders if they will throw that into the equation too? Personally I think the FSA acted unfairly to the general public as we all know banks continue to pour on the charges and are probably investing the unpaid claims to their betterment.

Michael

[andrewman]

I have two different claims with two different banks. The financial ombudsman has told me that as the oft test case has not been judged, then banks are legally entitled to chase you for any outstanding charges on your account. This is happening to me, westcot is chasing me for 280 quid, i have got them to look again because my claim is far more than what the abbey is asking for.

[SELV]

Come on Andy Smith,you must be a bit of a slow reader or can't make your mind up ,if you have a problem send me an E-Mail and I will decide for you ,ok matey ,luv to Bookworm XX

[Gez]

This is nothing new but may help see where we are.

 

Bank charges hang in the balance as test case awaits judge's decision

The first line says:

Now that both sides have been heard in the case of the Office of Fair Trading versus potentially unfair bank charges

Unfortunately, there is another side that needed to be heard, OUR SIDE, but that was not allowed.

[JonCris]

I'm not one of them.

 

OO'ER :o very discriminatory remark.

 

What's wrong with wearing glasses BW:cool:

[JonCris]

I have two different claims with two different banks. The financial ombudsman has told me that as the oft test case has not been judged, then banks are legally entitled to chase you for any outstanding charges on your account. This is happening to me, westcot is chasing me for 280 quid, i have got them to look again because my claim is far more than what the abbey is asking for.

 

Usual one sided waffle from the chocolate teapot. In an other matter we already have the abilities & effectiveness of the Information Commissioners Office being questioned by some MP's.

 

I think this bunch need to be next particularly after their very one sided decision to let the banks of the hook whilst letting them continue to impose their appalling charges

 

If they issue proceedings you can counter claim whilst at the same time asking the court to stay the said proceedings.

 

Incidental the court, knowing there are disputed bank charges in the claim, won't be happy with the bank for issuing prior to the OFT Judgment

[noomill060]

In other words, as the amount claimed by the bank is made up of charges is legally in dispute, not only by you, but by the OFT, the court would have to stay any claim against you until after the test case judge gives his judgement.

[WILKINSS208]

hi

can anyone help. i know this has nothing to do with test case, but does with oft

i sent a load of original documentation (only because could not get it copies ) and sent it recorded mail to OFT

It was in connection with a complaint against Paragon Finance and their failure to respond to CCA and SAR request. It included all letters etc and documetation since 1995

I sent this at end of January and rang at the start of February to see what was happening. They said had not received it even though royal mail got proof of signature

where do i stand here if they dont find it? i could cry

[JonCris]

Have you told them you have 'proof of signature' if so have you given them a name

 

I know it's the stable door but your experience is a salutary lesson in why it's a very bad idea to send originals.

 

How come they never seem to lose copies:???:

[WILKINSS208]

yes i have given them the ref number etc

i know its a lesson was off sick and never could get to copier and wanted it posted gone on too long

yes they ever lost any other copies

[JonCris]

Ok demand they make a concerted effort to find your papers failing which, as this affects your ability to claim, you will report them for maladministration

[InformedSearcher]

I had a little thought about all this ...

You know if you like came accross making cars run on water eventually you'd be offered an 'incentive' to sell to the oil companies or erm, shall we say 'nevr be heard of again'. I guess the banks in their usual predatory mode wish they could 'arrange' the same. I suppose headlines of '5 million people vanish overnight' might ring the odd alarm bell.

Thought I'd add a bit of humour to what's now becoming 'Office of Unfair Trading' vs 'Their mates, the Financial Institutions'.

Michael

[WILKINSS208]

Ok demand they make a concerted effort to find your papers failing which, as this affects your ability to claim, you will report them for maladministration

 

sorry if i sound thick, but what does this mean and what can be done