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


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sparks is tottally right!!!

 

this is what i was saying and i now understand the statement "we hope this clarafies the situation" , because it does 100% , there is now nothing to stop ppl from taking their banks to court.

 

 

Precisely, they did not say the charges are fair they said the OFT couldn't rule as such which leaves the consumer the right to continue their challenge

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is it any coincidence that last night government admitted to secret loans to banks and today test case is lost... what really is going on here???????????????

Only direct action by the masses will work....

 

Look at all successes they have never come from negotiation!!!

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The finding DID NOT say the charges are fair & reasonable it said the OFT could not rule as such which means we are still able to challenge the banks as before Its just that a ruling in favour of the OFT would have saved us the trouble

 

Agreed Jon.

 

 

..... But it does make you wonder what bl**dy point there even is for the existence of the OFT in the first place; when the the "Office of Fair Trade" cannot rule on what actually is "Fair Trade" ??

 

PM

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Exactly. It's a Government Department. It shouldn't NEED to go to Court. It should simply have the authority to state what is fair.End of.

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As I said before the judge stated that the OFT was free to use "other criteria" meaning regulation 5

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

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As a relative novice to claiming bank charges (having only filed my N1 in the last month and got my AQ in yesterday), if we are now going to use Regulation 5 of the UTCCRs as the way forward do we need to amend our POCs at all please?

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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everyone is a winner here trust me

heres how it will plan out

 

the rulling stops a mass payout safeing the banks billions .

but we will all be offered a payout of sorts calling it a goodwill gesture.

some may accept some wont .

if you dont you can then take it to court .

the banks will change there charges to fall into line

 

the banks will still payout to thoses that have made a calim but it maybe a little less than you fault .

 

but like i sed there are many that havnt put in a calim therefore safeing the bank billions .. by only paying in part to thoses that accept

 

it was the only way to get the rulling so everyone is a winner

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