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

[dave]

The papers email us almost weekly for cases like the one you have mentioned - each week we put people in touch with them.

 

They only publish articles about it when there is no news and very rarely give it a decent position in the paper - the Guardian were the exception to this rule.

 

We used to be able to do just as you suggested, and indeed did so, but now as far as they are concerned the bank charges issue is old news. It may not seem like that to us on here, but the papers barely give it lip service these days.

 

Josh - the HSBC have tied you into a contract saying that you cannot move bank accounts? That sounds like a breach of the UTCCRs to me.

[jansus]

Alan from Derby had a whole list of hardship cases that we collected that had asked to be dealt with outside the court system - what happened to them?

[renegotiation]

It does not cost much money to call the say for example mail and say " we have a hardship case that has had their case refused despite the terms of the waiver - they have given us permission to give you the details"

 

have you ever asked the FSA how many hardship cases the banks have identified and have had help since the waiver?

 

My mum had 2 small claims (sent off in the same envelope) that went down the hardship route with Halifax. They accepted the one for £15 and turned down the one for £100! Is that cynically trying to boost your figures or what?! I was stunned. :lol:

[paulwlton]

Well why dont we produce letters - emails to send to every news desk in the country.

 

Spread the word on other forums.

 

 

An article in a National Newspaper outlining consumer groups intentions might be a start.

[JOSH_IOU]

I no dave but my english is crap and i only shout at these people when I get on the phone.

 

I asked them to shut my account down and they said not with an overdraft of a grand and a bit.

 

I'l start a different thread on this.

 

...............

 

Yes I think they do think it is old news Dave. But if enough of us email them they wont.

[darftblerk]

The Guilty:

 

Abbey National plc

Barclays Bank plc

Clydesdale Bank plc

HBOS plc

HSBC Bank plc

Lloyds TSB Bank plc

Nationwide Building Society.

Royal Bank of Scotland

 

Should you have an account with any of these, it would be strongly recommended that you visit your local branch tomorrow and request closure of your account. direct debits etc can be transferred to another bank that is not on the list, and most new banks will be more than happy to smooth this process for you.

 

I'll be visiting my HSBC branch tomorrow. I'll probably be looking at moving to Co-Op.

 

I would suggest you vote with your feet and do the same.

[dave]

Alan from Derby had a whole list of hardship cases that we collected that had asked to be dealt with outside the court system - what happened to them?

 

Those are held in a database ready for when the press ask for them - they are regularly given to the press (with express permission of the case), yet as I say, as far as most of the press is concerned it's old news.

 

Most of the press requests we get now are from localised news - Radio Cornwall, The Weekly S****horpe Gazette etc...

 

It's only when something big happens that the 'big' press want info from us.

[dave]

The Guilty:

 

Abbey National plc

Barclays Bank plc

Clydesdale Bank plc

HBOS plc

HSBC Bank plc

Lloyds TSB Bank plc

Nationwide Building Society.

Royal Bank of Scotland

 

Should you have an account with any of these, it would be strongly recommended that you visit your local branch tomorrow and request closure of your account. direct debits etc can be transferred to another bank that is not on the list, and most new banks will be more than happy to smooth this process for you.

 

I'll be visiting my HSBC branch tomorrow. I'll probably be looking at moving to Co-Op.

 

I would suggest you vote with your feet and do the same.

 

I think this is an excellent idea. I can see very little wrong with it, however if others can, please let me know.

 

I'm about to start a facebook group calling for just this - it's very viral and should reach a very large audience in a very short space of time.

[dave]

Is everyone in agreement that the Co-op is the best of a bad bunch?

[paulwlton]

Is everyone in agreement that the Co-op is the best of a bad bunch?

 

Yep.

[nicsussex]

 

It's only when something big happens that the 'big' press want info from us.

 

With the current economic climate and the very real threat of hard times ahead - these will once again become 'big' stories - patience everyone, this story has not run its course yet as far as the press are concerned. It will be back as a main news story as more and more suffer (regrettably) and we will enjoy once again the media coverage of 2006/2007. But keep plugging away even at a local level.

Edited May 22, 2008 by nicsussex
spilling

[JOSH_IOU]

I would not say the best but they are ok I guess.

[darftblerk]

The Co-Op seem a fair bunch. I haven't heard too many complaints regarding them, and they've been fair to my parents for a long number of years.

 

If you have you wages paid into any of the offending banks, cease it immediately and have your wages paid elsewhere. If everybody does this, next time payday comes, the banks will notice a large drop in revenue.

 

If they challenge you on overdrafts, hold your ground and put the account into dispute. You only need to claim for 1 pound of unfair charges (which'll cost you 25 quid with MCOL) and they can't request any of the overdraft back until the outcome of the case is determined.

 

Therefore your overdraft will be frozen, whilst you skip of to another bank with your wages.

 

Maybe we should publish a dummies guide to p***ing of the big 8???

[JOSH_IOU]

If your going Co-op I would suggest a Cashminder account. I would open one of these for my clients without hesitation.

[dave]

Indeed we will keep plugging at every level. There's been quite a lot of movement so far and there's no sign of the campaign letting up any time soon.

[dave]

The Co-Op seem a fair bunch. I haven't heard too many complaints regarding them, and they've been fair to my parents for a long number of years.

 

If you have you wages paid into any of the offending banks, cease it immediately and have your wages paid elsewhere. If everybody does this, next time payday comes, the banks will notice a large drop in revenue.

 

If they challenge you on overdrafts, hold your ground and put the account into dispute. You only need to claim for 1 pound of unfair charges (which'll cost you 25 quid with MCOL) and they can't request any of the overdraft back until the outcome of the case is determined.

 

Therefore your overdraft will be frozen, whilst you skip of to another bank with your wages.

 

Maybe we should publish a dummies guide to p***ing of the big 8???

 

I like it. Are you volunteering?

 

It may not be for here, but we can certainly publish elsewhere.

[darftblerk]

Give me until Monday and I'll get it sorted.

 

had said I wasn't going to write no more poems like this

I had said I wasn't going to write no more words down about people kicking us when we're down, about racist dogs that attack us and drive us down, drag us down and beat us down but the dogs are in the street...

[dave]

Excellent.

[JonCris]

Dave whilst I applaud your efforts re boycotts & face-book I would mention that I doubt you'll be speaking to many of the like minded. Such a blog will almost certainly attract crass comment from those other members of FB presently unaffected by penalty charges.

 

Therefor may I make the following suggestion.

 

It is my experience that the best way to bring our disquiet with the situation to the attention of the establishment would be to organise a mass lobby of our MP's at Westminster.

 

I think this would achieve two things. Firstly it would place our cause again into the media spotlight and second it would allow us to express directly to our MP's (therefore the establishment) the feeling of discontent we feel for the way we are being treated.

 

It's my belief that when in the past such groups have organised themselves in this way they appear to have achieved more success than with any other form of organised protest

Edited May 22, 2008 by JonCris

[JOSH_IOU]

Cashminder account @ the co-op

 

The Co-operative Bank | Cashminder

[ANDENA]

I agree, perhaps off topic though. The time has come for the gloves to come off with regards to petrol, but that's another story.

and dont forget us low earners nearly on the breadline through this government just hope they lose tomorrow.did you know you can air your views on no10 website.

[dave]

That is true. I agree. But after starting this site nearly 3 years ago, I have learned one thing at least: that is, that for the most part MP's do not care.

 

My MP for instance has considerable shares in LTSB. Many other MP's also have shares in one of the big 4 (very easy to find out as they are in the register of interests).

 

Now many will say that it should not cloud their judgement. It shouldn't - that much is correct. But we are talking about people who have been lining their pockets with our money for years - this pittance is nothing to them, and they will not harm their self interests as has been seen many a time on the news - and that's only when they are caught out.

 

I do feel that there are a few MPs that got into that game for the right reason - and some still feel that way. Some.

 

There are 274 bank charge related groups on Facebook - with an average of 1100 members each. I admit that there will be a lot of cross-overs. But if there were not (and there is no way I can work that out without access to the facebook database), that would mean over 300,000 people who *may* be interested in changing bank accounts from the main offenders.

 

Of that we can reasonably expect maybe 2-10%. It's enough to send a message.

 

In the past, when I used to have have a bank account and I changed to another, I was asked why. They probably have a database of the reason why people change bank.

[locutus]

Cashminder account @ the co-op

 

The Co-operative Bank | Cashminder

 

When I first heard about this account, I was told there was no credit check, so should be no problem anyone going for it. (unsure if that position has moved!)

[ANDENA]

When I first heard about this account, I was told there was no credit check, so should be no problem anyone going for it. (unsure if that position has moved!)

we have credit union in dorset i might switch to them.

[JOSH_IOU]

That is still the same locutus.

 

That is why I recomend them to people with CCJ's and who are over £220,000 in debt.

 

If you have a problem opening an account with these people your doing something wrong.