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


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Well,

 

I'm in work for 630am so will check and refresh around 7am

 

Probably be a hint on Radio 4 business news (610am onwards) anyway

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Well,

 

I'm in work for 630am so will check and refresh around 7am

 

Probably be a hint on Radio 4 business news (610am onwards) anyway

 

I would check the OFT website because I am SURE that on their newsroom(for reference: Newsroom - The Office of Fair Trading ) rather than reading the news or listening to it since they are interpreting the news rather than necessarily giving you a full picture of events that are happening. Furthermore, on the sites it will take a little time to digest what the OFT actually say, since the first initial reaction is not always the best one(as most newspapers did show with the SC decision "banks won!"). I don't think anyone will be surprised however the OFT decide to go since all consumer groups have said that they have to carry on so they either will or their hand will be forced yet again with the civil litigation that will go on if they do nothing.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Me's hoping that they've done a deal, will make sure the Banks payout (by internal transfer to my Bank Account) on Tuesday afternoon. I've already booked my taxi to the Christmas shopping centres on Wednesday - is that wrong?

 

:rolleyes:

Always happy to help where I can!

:lol:

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Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

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Me's hoping that they've done a deal, will make sure the Banks payout (by internal transfer to my Bank Account) on Tuesday afternoon. I've already booked my taxi to the Christmas shopping centres on Wednesday - is that wrong?

 

:rolleyes:

 

Will you be shopping here?

 

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Me's hoping that they've done a deal, will make sure the Banks payout (by internal transfer to my Bank Account) on Tuesday afternoon. I've already booked my taxi to the Christmas shopping centres on Wednesday - is that wrong?

 

:rolleyes:

 

Yes it is wrong, Car. As you clearly know the bus will be cheaper and allow you more money and allow you to get me a prezzie :D.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Flippin' 'eck, we all need a belly laff now and again :lol:

 

I'm waiting for the Announcement to this effect, though. Everything is crossed, including all my cheques...

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

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Flippin' 'eck, we all need a belly laff now and again :lol:

 

I'm waiting for the Announcement to this effect, though. Everything is crossed, including all my cheques...

 

There will be no cheques to cross after 2018. By that time the OFT will be.....................

 

 

 

 

 

 

 

 

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

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Well personally if I received that letter I would not take it lying down.

 

These bodies OFT and FSA are there for reasons to protect the consumer and instill some element of fair play and balance.

 

Also I think its a bit premature to pull these complaints straightway and I would be writing back to express my views and I would suggest they should be waiting for OFT communications plus 28 days before pulling the plug.

 

The FSA are privately funded institution. mostly by their members, who are the banks and insurance companies, funny that but I believe ultimately accountable to the goverment?

 

You could always complain about the FSAs handling of your case, saying you feel very let down.

 

I think we all feel badly let down by the OFT and FSA in these matters.

 

ST

 

It is wrong, but do we expect anything better from the FOS?

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I had my letter, on Saturday, from the HSBC scummers.

As they have now said that my complaint is not going forward does that mean that if i put in a new claim then i can only claim back Six years from the date of the second claim?

If so can i then sue the FSA/OFT for loss of 2 1/2 years of charges, that is of course if i am successfull?

I really get the feeling that this was a massive stitch up by the FSA/OFT and if they had just left things as they were then we all would be far better off......Rant Over....

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If the OFT now cannot determine whether bank charges for exceeding an overdraft limit are unfair then who can? Is it a judge?

 

Well if you listen to the soundbites or believe the letters from the banks, nobody can ;-)

 

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Had a pretty lame and generic HSBC letter arrive this morning but nothing near the detail of this, clearly as solicitors were involved you and others who had made legal claims deserved a better response. As for the section 5 stuff they'll always try and present a picture designed to suppress the recipients response, we'd all expect that wouldn't we!

 

If the OFT do choose to cease action (which they probably will) then we still have numerous options to fully explore alternative technicalities. The new arguments are complex and when they are finally delivered I'm sure we'll all need to gain a good understanding of any new strategy adopted.

 

I think it may be good for us if the OFT step aside, it'll mean the banks are left wide open if we can construct another solid argument and they won't have the benefit of any regulatory waivers to hide behind. Let's face it, if we can pursue another angle, which I truly believe exists, then the banks can hardly expect any assistance with another waiver from the OFT a second time round. All good things and all that.

 

We all need to remember that the banks are running a huge propoganda exercise now designed at preserving their ill gotten reserves. Let them send their petty letters and patronising 'apologies for the outcome which I am sure is not what you would like to have read' statements.

 

I for one have already asked for the terms and conditions applicable to my Lloyds current account opened in 1994. Strangely they've not been able to supply them yet, awkward when they state that such charges were agreed by me/all of us when we opened our accounts. Merely hearsay until they can prove otherwise. Their time will come, of that I have no doubt.

Edited by emandcole

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I for one have already asked for the terms and conditions applicable to my Lloyds current account opened in 1994. Strangely they've not been able to supply them yet, awkward when they state that such charges were agreed by me/all of us when we opened our accounts. Merely hearsay until they can prove otherwise. Their time will come, of that I have no doubt.

 

That's good news for me too then emandcole, as my account with LTSB also dates from 1994;)

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

 

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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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