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HBOS credit card Success story in media today


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in mortgage strategy online!! with a soap start twist !!!!!

 

Coronation Street star Michael Le Vell, who plays Kevin Webster in the TV soap, has helped a Wetherby man to successfully get £15,000 of credit card debt written off.

 

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Le Vell, a director of claims management company Ratio Money, attended Leeds County Court with a leading QC to support a self-employed 60-year old man in his long-running dispute with Bank of Scotland.

Mitchell originally had a judgement against him after delaying payments to his credit card while he waited for the bank to supply specific information.

Le Vell says: “This is another victory for the consumer. “Although Bank of Scotland gave up its fight and agreed to write off his debt, amazingly they refused to pay his costs.

“However, as a final blow to the lender, Judge Langan ruled that the bank needed to pay all the costs in full and said that the bank didn’t fight the case because it feared highlighting failings and opening the floodgates to further claims.”

Ratio Money successfully highlighted that the man's credit card application didn’t contain the prescribed terms and conditions – and therefore didn’t comply with the Consumer Credit Act.

Bank of Scotland argued that the terms and conditions had been given as a separate document when he applied for the card at the Wetherby branch of Halifax, but he denies ever receiving them. However, under the law, a credit agreement is only binding if it is a single document that has been signed by both parties and contains all the prescribed terms.

The Story So Far...

 

Barclaycard - Fingers Vs Barclaycard

Egg - Egg Credit Card CCA Agreement - help

Halifax - Halifax Credit card CCA

IF - CCA received

Lloyds - Lloyds CCA

MBNA-CCA received, challening

Virgin - Virgin Card CCA May 2006 - Help Required

 

OH Barccard - 2 s78 letters, on 2nd cpr

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So he had to go to court to get costs for the actor and lawyers. He won anyway and made more money for people who got more than they need already. How does that help the consumer.

 

Everyones cashng in on this.

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So he had to go to court to get costs for the actor and lawyers. He won anyway and made more money for people who got more than they need already. How does that help the consumer.

 

Everyones cashng in on this.

Is it not possible that this person might not have heard of CAG and my not even have a computer. That's why these companies exist.

 

Another way to look at it is. Had this been fought through CAG then it may not have made the headlines. The fact that it was fought by a celebrity ensures its news worthiness.

The important thing is it's nother victory for the little man. And puts the spotlight back on the banks again

HALIFAX: 13/01/07 Sent S.A.R - (Subject Access Request) letter (marked as rec'd 16/01)

Paid in full in March 07

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“However, as a final blow to the lender, Judge Langan ruled that the bank needed to pay all the costs in full and said that the bank didn’t fight the case because it feared highlighting failings and opening the floodgates to further claims.”

 

:D:D:D:D:D:D

:cool:

 

:cool:

 

:D:D:D:D:D:D

 

 

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i think it can only be good news

 

following the credit crunch the banks are busy rebuilding their balance sheets...all these delaying tactics and bu**sh*t we face getting justice here...the banks are only deferring a big billion pound problem they have...they cant cope with it now so they are deferring the issue...in a few years time I think this process will be a great deal more streamlined and straightfoward but i think we will be playing cat and mouse for another 12 -24 months !

The Story So Far...

 

Barclaycard - Fingers Vs Barclaycard

Egg - Egg Credit Card CCA Agreement - help

Halifax - Halifax Credit card CCA

IF - CCA received

Lloyds - Lloyds CCA

MBNA-CCA received, challening

Virgin - Virgin Card CCA May 2006 - Help Required

 

OH Barccard - 2 s78 letters, on 2nd cpr

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