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oscar52

My response to FOS re their reply, could someone have a read please.

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I have linked all three pages to PBucket - thought this might be easier due to the length the post would have to be.

 

Page 1

Page 2

Page 3

 

Thanks for looking.

 

Any advice / input greatly appreciated.

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where is their response to you?


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

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where is their response to you?

 

HERE

 

Sorry, never thought of that.

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I think it is a good response. However, I think the FOS are saying that you are not suggesting that you didn't sign the agreement and you aren't. You are stating it is unenforceable in law and I think you need to take them to court on this issue as the FOS do not determine whether an agreement is enforceable or not.


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

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It is true I signed the application (as it is) and I dont deny having used the account or anything else. But I object to having the interest whacked up to a level that causes hardship (which is the crux of the entire arguement really).

 

CCA was the only way to see if they had my agreement (or that I had agreed to the T&Cs to allow them to do this. Obviously, I didnt.

 

Agree with the court issue, just wish to point out to FOS the irregularities of their arguement.

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It is true I signed the application (as it is) and I dont deny having used the account or anything else. But I object to having the interest whacked up to a level that causes hardship (which is the crux of the entire arguement really).

 

CCA was the only way to see if they had my agreement (or that I had agreed to the T&Cs to allow them to do this. Obviously, I didnt.

 

Agree with the court issue, just wish to point out to FOS the irregularities of their arguement.

 

Yes, but you aren't arguing hardship with them are you?


.

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

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Yes, but you aren't arguing hardship with them are you?

 

Originally, when all this started this time last year, yes, but not in relation to charges etc.

 

However, this is not the case any longer, and am going on the legal position of their failures.

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