Jump to content


Complain to FSA about misleading conduct from a High street bank


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4633 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I lied, it was just the computer I was on in the office, I got the file no problem.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites
  • Replies 58
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Done ;)

 

 

Y

Credit Cards

Barclaycard -WON! Amex - WON! MBNA (x2) - WON!

Mint - WON! Monument - WON! Morgan Stanley - WON!

Egg - WON! Halifax - WON! Sainsbury's Bank - WON!

Citi Cards -WON!

 

Banks

 

08/06/06 Claim against NatWest started.

01/11/06 Case Closed :)

 

08/06/06 Claim against Halifax started

24/08/06 Case closed :)

 

 

Visit my forum: http://www.planet-watch.org/forum

Link to post
Share on other sites

Done.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

done:D

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Hi,

 

I'm new to the forum. I've just registered a complaint to the FSA as well but as a Barclays customer I've also received a letter explaining the new reserve charges and it states that I will automatically be subject to the new reserve charges unless I opt-out. This is contrary to what the thisismoney.co.uk article says. The article refers to customers having to 'consciously sign up to the reserve'. I don't know if the opt-out is a new tactic of Barclays to get more customers signed up unwittingly to the new charging system. From first impressions the charging system is complicated but seems to be preferable to the higher unauthorised overdraft fees so I don't think many customers would be motivated to actively opt-out. Also, they say that if you do opt-out and try and opt-in later, you might not be eligible.

 

Anyway, does anyone know if this is significant? and should I opt-out?

 

 

Thanks

Link to post
Share on other sites
Hi,

 

I'm new to the forum. I've just registered a complaint to the FSA as well but as a Barclays customer I've also received a letter explaining the new reserve charges and it states that I will automatically be subject to the new reserve charges unless I opt-out. This is contrary to what the thisismoney.co.uk article says. The article refers to customers having to 'consciously sign up to the reserve'. I don't know if the opt-out is a new tactic of Barclays to get more customers signed up unwittingly to the new charging system. From first impressions the charging system is complicated but seems to be preferable to the higher unauthorised overdraft fees so I don't think many customers would be motivated to actively opt-out. Also, they say that if you do opt-out and try and opt-in later, you might not be eligible.

 

Anyway, does anyone know if this is significant? and should I opt-out?

 

 

Thanks

 

Hi can you give a link to the article which claims you have to opt in then scan & post a copy of your letter which says the opposite, not forgetting to remove all personal details of course

 

I would like to send copies of it plus the money link to someone who interested in the banks shenanigans

Link to post
Share on other sites
Hi,

 

I'm new to the forum. I've just registered a complaint to the FSA as well but as a Barclays customer I've also received a letter explaining the new reserve charges and it states that I will automatically be subject to the new reserve charges unless I opt-out. This is contrary to what the thisismoney.co.uk article says. The article refers to customers having to 'consciously sign up to the reserve'. I don't know if the opt-out is a new tactic of Barclays to get more customers signed up unwittingly to the new charging system. From first impressions the charging system is complicated but seems to be preferable to the higher unauthorised overdraft fees so I don't think many customers would be motivated to actively opt-out. Also, they say that if you do opt-out and try and opt-in later, you might not be eligible.

 

Anyway, does anyone know if this is significant? and should I opt-out?

 

 

Thanks

 

The article was wrong on this point. Barclays always stated that it was an opt out service which forms part of the complaint.

 

As to whether you should opt out it is upto you. The benefits you get from using the reserve is that any payment instructions will be guaranteed to be paid which could avoid embarrassment or inconvenience of having to rearrange payments. However, the cost for this is £22 for every 5 days that you use the reserve (regardless of whether you use it for the full five days). If you use the reserve each week this would amount to £88 per month which compares with other banks charges for unauthorised borrowing of fees between £15 -28 (although no guarantee that payment insrtuctions will be met). If you do opt out you still only get charged the £8 for transaction fees where payments are returned unpaid. So it would be a much cheaper option to opt out.

Link to post
Share on other sites

Done and what a pleasure that was too

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

Link to post
Share on other sites
  • 1 month later...

I didnt get anything apart from the acknowledgement

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

"How do I...?" A Dummies' Guide to this Forum

FAQ

Forum rules

Cag toolbar

 

 

Please Donate if you can - help CAG help others

 

I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...