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

[HSBCrusher]

I had a griffin account... the rest is history;)

[car2403]

Hi Car2403,

 

Sorry was this directed at me?

 

TheyrCriminals

 

No - I was asking if there was an update from anyone?

 

The Griffin was the thingy that was in the Midland adverts

 

See above(that one might take car2403 back a bit )

 

Aye, it does. I have a tear in my eye...

[SPROUTY]

The banks have until 26 March (Thursday after next) to "apply" to HOL to consider allowing a further appeal the twice lost case! (Despite the fact The Master of the Rolls suggested they might be wasting their time in this application.)

 

If they are playing the time game they have nothing to lose by delaying until the last minute in this matter.

 

Ask me why they are torturing the charge claimants in this way I can give you £14million reasons every day in saved repayments and interest, so why wouldn’t they?

[Mr lex]

 

 

 

Aye, it does. I have a tear in my eye...

 

You've found another 'Hardship' case then car2403 ??

[car2403]

If they are playing the time game they have nothing to lose by delaying until the last minute in this matter.

 

Well, they have agreed to deal with this as expeditously as possible, haven't they?

 

You've found another 'Hardship' case then car2403 ??

 

I'm not sure the Griffin would turn up to the application to lift a stay hearing though, would he? I'd also have to seek release from that Car Company he's working for now, even if he would.

 

[HSBCrusher]

You've found another 'Hardship' case then car2403 ??

isnt that the truth.

 

heartbreaking isn't it

[TheyrCriminals]

Hi Guys,

 

Does anybody know what on earth is going on with Royal Bank of Scotland's/Natwest's penalty ruling against them. This was massive news and if they aren't going to appeal then surely stays can be lifted as far as charges applied between 2001-2003, surely this can now be dealt with by the Court in light of an absence of the bank appealing. For business claimants of RBS/Natwest this is extrmely important. I have scoured the net and other sources and can find nothing, does anybody know what is going on?

 

TheyrCriminals

[Thailand]

This thread is quite long so can I add a couple of questions to the above one.

 

I got this email back from HoL yesterday which looks like the slime are going to be true to their word (I was still hopeful they wouldn't!)

 

Your e-mail has been forwarded to the Judicial Office.

 

Please be advised, this appeal has not yet formally been lodged at the House of Lords, although the parties have made enquiries on the House of Lords appeal procedures. I believe it is due to be lodged later this month.

 

Regards

 

Does anyone one know how long it would take to be considered, and how long before it is lobbed out?.

 

Or, if allowed, how long we might be looking at?.

 

And can they still go to Europe if it's accepted or not? I figure so on that one, they've long given up on having any shame.

[Shuff]

Ask me why they are torturing the charge claimants in this way I can give you £14million reasons every day in saved repayments and interest, so why wouldn’t they?

 

I would think that for everyday that passes the collective interest on stayed claims must be growing by thousands each day. The longer they drag it out the more they will have to pay out.

 

My claim is now just over a grand more than what it was when I orignally claimed due to interest.

[yourbank]

This thread is quite long so can I add a couple of questions to the above one.

 

I got this email back from HoL yesterday which looks like the slime are going to be true to their word (I was still hopeful they wouldn't!)

 

 

Does anyone one know how long it would take to be considered, and how long before it is lobbed out?.

 

Or, if allowed, how long we might be looking at?.

 

And can they still go to Europe if it's accepted or not? I figure so on that one, they've long given up on having any shame.

it's 8 weeks for them to decide if there are grounds for a further appeal.

[djgordyp]

it's 8 weeks for them to decide if there are grounds for a further appeal.

And then how long can the appeal drag on for?

[InformedSearcher]

.... The European Courts of Justice, The World Courts for Finance, The Financial Institution for Farce and finally The Intergalactic Banking Federation - Sorry I just could not resist. We need a tinge of humour in this absolutely desperado manner in which the places we are supposed to trust continue in their to attempts to cheat us all. The one consolation is that Financial Institutions, in the end will never be looked at again in the same way by the general public!

My views anyhow.

Michael

[hsbcfiddled]

I would think that for everyday that passes the collective interest on stayed claims must be growing by thousands each day. The longer they drag it out the more they will have to pay out.

 

My claim is now just over a grand more than what it was when I orignally claimed due to interest.

 

 

 

The interest factor could persuade them to accept the appeal courts decision.

 

If everyone claimed compounded interest then the Banks little nest egg of interest would not hatch.

 

Oh! hang on -Just a thought - Whats the difference between criminals who have their assets frozen from illegal gains and Banks holding onto Charges?

[TheyrCriminals]

Hi Guys,

 

Does anybody know what on earth is going on with Royal Bank of Scotland's/NatWest's penalty ruling against them. This was massive news and if they aren't going to appeal then surely stays can be lifted as far as charges applied between 2001-2003, surely this can now be dealt with by the Court in light of an absence of the bank appealing. For business claimants of RBS/NatWest this is extrmely important. I have scoured the net and other sources and can find nothing, does anybody know what is going on?

 

TheyrCriminals

[SPROUTY]

Excellent Question TC.

[SPROUTY]

Does anyone one know how long it would take to be considered, and how long before it is lobbed out?.

 

8 weeks is the time in which the house of Lords will take to decide whether to allow an appeal

[SPROUTY]

The interest factor could persuade them to accept the appeal courts decision.

 

If everyone claimed compounded interest then the Banks little nest egg of interest would not hatch.

 

Oh! hang on -Just a thought - Whats the difference between criminals who have their assets frozen from illegal gains and Banks holding onto Charges?

 

My point on £14 million aday is that the banks are SAVING this amount by dragging their feet thats 7 days a week it equates to £2.5million per banking hour based on a 5 day week at 8 Hours a day.

 

My theory is based on the fact that people who have not registered their claim today will not be provided with data for this day six years ago when they make a DSAR as Banks are likely to destroy the copy statements for this day six years ago.

 

Add this to the fact that there will be a cut off for claims in February 2012.

 

Every days a bonus "mr Goodwin"

[Bookworm]

Add this to the fact that there will be a cut off for claims in February 2012.

Can you explain that?

[SPROUTY]

Time statute.

 

The banks have tried it on in a damage limitation basis suggesting that charges can only go back six years to which we respond (edit)off nobody realised that the charges were anything more than the cost of administration until the OFT announced their findings on credit cards in February 2006.

 

So six years after that people (idiots?) who have not yet claimed by February 2012 will find the banks saying "a reasonable person would have known that these charges were claimable in Feb 2006 so every thing before then is time statute barred".

 

So until Feb 2012 we can get charges back as far as they can provide records for after then its 6 years back tops!

[Bookworm]

Oh, I see what you mean.

 

I don't think it would make any difference. Ever since we started our little consumer revolt, the banks have been shredding paperwork as soon as it hits the 6 years so that they can say hand on heart they don't have anything going further than that, so unless people have kept their statements (and there's an argument for not shredding anything, btw), they won't be able to do anything about it anyway. That's even if people were willing to test the Limitations Act anyway, which I suspect the vast majority won't.

[Prangers]

what if i have statements going back to 1998.... if i was "made Aware" by the OFT and the Test Case in feb 06.... can i then claim back charges to feb 2000 ?????

 

i put my claim in to the bank in Nov 06 but can i ammend it to include everything that i have paper proof of???

 

my claim is not with the Courts.

[Bookworm]

what if i have statements going back to 1998.... if i was "made Aware" by the OFT and the Test Case in feb 06.... can i then claim back charges to feb 2000 ?????

 

i put my claim in to the bank in Nov 06 but can i ammend it to include everything that i have paper proof of???

 

my claim is not with the Courts.

The test case wasn't in Feb 06, it started in July 07 and is still ongoing.

 

In APRIL 2006 (NOT February), the OFT published a report on credit cards and credit cards only, and stated that they felt that the same brush could be applied to bank accounts (to the howl of fury from the banks ) and overdraft charges.

 

The Limitations Act runs from when you lodge your claim at court and not before, with the exception of claims lodged before the test case got started and subsequent ones, on which the clock got stopped pending the ending of the test case. People who wait on the outcome of the test case and then think they'll be able to go back further than 6 years will have to rely on s.32 of SOLA 1980 and convince a judge that statute-barred shouldn't apply under this.

[Prangers]

ok i understand that. so i put my claim into the bank in Nov 06 and they stopped dealing with my complaint in july 07 due to the test case. my complaint is still in the banks hands. am i safe under the waiver from the FSA to continue chasing charges back to Nov 2000 up until today??

[yourbank]

The test case wasn't in Feb 06, it started in July 07 and is still ongoing.

 

In APRIL 2006 (NOT February), the OFT published a report on credit cards and credit cards only, and stated that they felt that the same brush could be applied to bank accounts (to the howl of fury from the banks ) and overdraft charges.

 

The Limitations Act runs from when you lodge your claim at court and not before, with the exception of claims lodged before the test case got started and subsequent ones, on which the clock got stopped pending the ending of the test case. People who wait on the outcome of the test case and then think they'll be able to go back further than 6 years will have to rely on s.32 of SOLA 1980 and convince a judge that statute-barred shouldn't apply under this.

 

Can you clarify that with reference to the FSA Waiver on Bank charges because that seems to infer perhaps, that claimants(excl. Statute of limitations act s.32) can only go back 6 straight years from the date that they put their case in court. At the moment the claim starts 27th July 2001(excl. SOL, s.32) on FSA Waiver inclusive claims at the bank.

 

Prangers---the answer is yes.

[Bookworm]

You've just clarified it.