anyone else confused?

[rob7b]

first of all, i looked at the oft update thread at it had 1000 posts so there is no way i am reading through all that!!!

 

so i thought i'd ask directly.

 

Basically i wrote preliminary letters a couple of months ago asking for my bank charges to be refunded and got the same old letter in return (something about the test case going through court so they will address the complaint later).

 

Now i've noticed that the test case has been decided for the oft, does that mean i can submit my claim to court (i didnt want to put £30 into the system and wait months for a ruling) or will it still be some time before i can get my cash back?

 

Also i noticed the banks are going to appeal the decision? Why cant they just admit they are wrong...

Edited June 4, 2008 by rob7b

[DCG]

you need to put your claim in the court now

 

and wait so you will be in line wen they are made 2 pay out

 

they have appeled but its still early days

[Conniff]

This is from the OFT site:

 

To facilitate the test case, in July 2007, the FSA granted a number of banks a waiver.5 This means that banks (and building societies) that were granted the waiver do not have to deal with complaints about UOD charges whilst the waiver is in force.

 

So who are those nunber of banks and why are the others claiming exemption as well.

 

Is your bank one of the exempt rob? I can't find a list of those named banks given an exemption.

[rob7b]

thanks guys for the info

 

 

Is your bank one of the exempt rob? I can't find a list of those named banks given an exemption.

 

no idea...but my issue is with natwest and halifax?

[ammani]

Rob i would still go ahead and put your claims in the court, that way they are in the queue. It takes ages for them to procees them, as there are so many claims being put in, there is a 3 week back log at the Maidstone County Court, at the moment. Good luck.

[breeze1996]

I know the date is july but do you think they will really be handing down a judgement on historic terms as the papers say?

 

And will that mean we can claim again.

[foreveraloe]

Yeah, I'm really confused about this!

 

My claim to Abbey went in sometime last year, although it didn't get to the Court stage as all claims were put on hold because of the test case.

 

Now I don't know what to do. A complaint was submitted to the Financial Ombudsman and there it remains!

 

What has really annoyed me is that I am now getting debt collection letters chasing me for the overdraft that I had!!

 

I don't use the account anymore. I was thinking of writing them a letter and saying that I would settle for so much if they wrote off the overdraft!

 

What do others think?