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

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Hi Guys,

 

Thank you all very much for the above posts it has certainly given us a renewed hope. We did not attend the hearing and we now believe this probably played a significant part in the striking out of the claim. Still awaiting the written Order.

 

TheyrCriminals

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i am looking at filling in the n1 form to take nationwide to court over bank charges. i will be getting the forms tomorrow and hope to fill these in over the weekend. my thread is below -

 

http://www.consumeractiongroup.co.uk/forum/nationwide/162435-nationwide-bank-charges-1900-a-new-post.html

 

all help/advise/suggestions is greatly appreicated


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I have just heard from Birmingham court - I have till 30 November to submit amended POC or it will be struck out. Seems very reasonable to me - unless bank in question ask for it to be struck out in advance.


If my advice has been helpful tip the scales

 

West brom SETTLED

 

Halifax current SETTLED IN FULL

halifax curent (2nd) stayed. Visa - SETTLED

2nd visa LBA sent

halifax for the 3rd time. LBA sent

 

Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

 

Sainsbury's - Awaiting court date

 

Co-op cc SETTLED IN FULL 2nd claim. Settled in full

 

 

National Westminster Settled in full. 2nd claim. N1 submitted

 

 

HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL

 

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In Greek mythology there were:

 

The Sirens whose irresistible voices led sailors to their doom.

 

Cassandra, a prophetess who spoke the truth but was never believed.

 

My advice is to lash yourself to the mast like Odysseus and sail safely past the sirens' rock.

 

Alas, like Cassandra I am a voice in the wilderness.

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Alas, like Cassandra I am a voice in the wilderness.
Since Cassandra's predictions are usually obscured by her own insanity, this may be nothing to be proud of... :razz:

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I do not think there is any idea of Cassandra being insane in the Greek myths. She is if anything a personification of powerlessness to prevent what could be prevented.

Edited by Aequitas

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So should unfair/illegal bank charges be renamed cassandra charges?


£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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I understood from another thread on the forum (can't recall which) that 2 cases were due to go to court this past week using revised poc (as well as the Scottish one due, I believe, in June).

Any info on the english cases?

Anyone - mods?

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Well, this probably explains why this disfunctional, incompetant sleazy Government that is the Labour Party hasn't done anything about the BAnk Charges issue or the Banks for that matter.

 

"Mr Byers, the former trade and industry minister who is standing down as an MP at the election, told an investigative reporter that he had secured secret deals with ministers, could get confidential information from Number 10 and was able to help firms involved in price fixing get around the law."

 

What next?


srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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This mans going to be almost unemployable after this ......... hopefully we will one day see the DCA's, he & his ilk are so keen on, knocking on his door demanding money

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Well, this probably explains why this disfunctional, incompetant sleazy Government that is the Labour Party hasn't done anything about the BAnk Charges issue or the Banks for that matter.

 

Whatever you may think about the competence of the present government, the plain fact is that it could do nothing about bank charges. Anyone who thinks any other party in power would have done or will do something is living in cloud cuckoo land.

 

We have, for better or worse, a system that allows rip-offs - it is called the free market. You simply cannot single out banks for control and ignore the rest of the rip-off merchants. If you wish to propose price control that is fair enough, but remember that price control goes hand in hand with wage control. It was tried in the early 1970's and found to be unworkable. The current politico-economic climate just will not allow it. The last time a political party said it was going to control the commanding heights of the economy it was trounced at the polls.

 

If you ask me what kind of society I would like to see it would be different from what we have with a much fairer distribution of wealth. Indeed, an ideal society would be one that operated without money. We do though have to start from where we are. Until the majority of people decide that making money out of money needs to be controlled banks are going to make money out of us.

 

In an even wider context remember that simply living in the UK is to participate in rip-offs. If you smoke or drink tea or coffee only about one per cent of the price you pay goes to those who work in fields growing the product. Simply having a bank account puts you in the world's elite. Half the people in the world live on less than $2.50 a day and YOU (and that means everyone who has contributed to this thread) are helping to keep it that way.

 

Of course these things are relative and there may not be much any individual can do. Of course a fuss needs to be made about the level of bank charges, but it has become far too much of a single issue. Let us concentrate more on trying to make the world a fairer place.

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If you wish to propose price control that is fair enough, but remember that price control goes hand in hand with wage control. It was tried in the early 1970's and found to be unworkable.

 

I have said it before and i will say it again - It is not a matter of creating a price control - it is more a matter of getting rid of one, One that was created by taking advantage of circumstances which led to us having to have a bank account. One which is run by the very people who can (and do) gain the most from it.

Edited by rdm2006

HTH (Hope This Helps) RDM2006

 

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Price control and price fixing are not the same thing.

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Price control and price fixing are not the same thing.

 

 

at the moment they have both - they control and fix the price, so I know what you mean but at the moment it may well as be the same thing.

 

The banks don't need to fix a price as they have total control over it, until legislation either direct or via a governing body takes it away from them.

 

Or someone wins a case to show that they are unfair

Edited by rdm2006

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

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All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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"Price control" is imposed from outside a business.

 

"Price fixing" is agreed within it.

 

Price controls - Wikipedia, the free encyclopedia

 

Price fixing - Wikipedia, the free encyclopedia

 

different context I used price control as in the context of having control over the price

 

 

Perhaps bringing in a "Price Capping" would me more appropriate than creating a "Price Control"

Edited by rdm2006

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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Perhaps bringing in a "Price Capping" would me more appropriate than creating a "Price Control"

 

How would this work and who would make the decisions?

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How would this work and who would make the decisions?

 

Well its been managed before.... I'm not saying its ideal but the OFT got the credit card companies to agree to a maximum limit.

 

S.


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Deal with your debts:

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Well its been managed before.... I'm not saying its ideal but the OFT got the credit card companies to agree to a maximum limit.

 

S.

 

Thank you Shadow that would have been my answer too - and it shows that it works


HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

However, if you have found any advice you have been given helpful.

Why not show your gratitude And

Click the * on the post you found helpful.

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Hi Guys,

 

Can anyone provide us with an update yet as to how many bank charges claims are being successfully struck out by the banks or are the majority being allowed to amend their PoC's to incorporate the Supreme Court judgement and progress to trial?

 

TheyrCriminals

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