Jump to content


  • Tweets

  • Posts

    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue). 4.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).  4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.  3.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.  3.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses these documents.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. No Breach of Contract  6.1      No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows a different post code, the PCN shows HA4 0EY while the contract shows HA4 0FY.  6.2        The wording “Electric Bay Abuse” is not listed on their signs nor there is any mention on the contract of any electric charging points at all let alone who can park there or use them.  Interest 6.2  It is unreasonable for the Claimant to delay litigation for Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

stayed cases, have you heard anything yet


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4328 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 like Martin Lewis..BUT..

i think he is wrong to lead people to think more people get paid out befor court than after, Its my experience that people are scared to push banks and lose out, The banks do force people to issue court action because more often than not they dont pay out just on the letters. so Martin please please dont tell people its easy, as its not as easy as you say. Thats why the court system is in meltdown. So get off your soap box and tell it like it really is

TOTALLY debt free as of 2007, Fantastic,

Link to post
Share on other sites

  • Replies 131
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I think the majority of people get paid out before there is actaully a court hearing, which is probably what Martin means.

Martin is very passionate about people exercising their rights, and over on MSE when things get to the court stge or difficulties occur with their claims then the mods send them over here to CAG

CAG and MSE both want the same end result and work together so that this can be acheived - this was never better demonstrated than by the recent hearings in Hull.

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

I agree with baconbuttyman. I know Martin Lewis is doing the right thing but on the telly the other night he made it sound like you write a couple of letters to your bank and they pay up which is not generally true. People at least need to serve court papers and most banks will take it to the wire before paying up. All they'll offer before this is some derisory "good will" payment.

Rock On

Link to post
Share on other sites

He should try putting a claim in against Citicards - then he'll know just how frustrating the process can be. :D

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

Link to post
Share on other sites

The way i understand it is that the OFT are taking these bankers to court to decide if the t&c's are unfair, so here are my 2 questions.

 

1. surely if its ok for the banks to "suspend" all claims pending outcome of the case, the surely its only fair all penalty charges are suspended also pending the outcome of the case?

 

2. Surely this idea of suspending all claims should ONLY apply if you have involved the F.O.S., Surely the F.O.S. has no ground to intervene in a "private civil court case".

TOTALLY debt free as of 2007, Fantastic,

Link to post
Share on other sites

1. Of course that would be good, but the consumer always gets the raw deal.

2. Court cases continue as normal, FOS / OFT cannot intervene, however some judges will stay matters pending the outcome of the test case.

 

Business as usual in the main:

Test Case

If I have been helpful please click on my star and add a comment.

Link to post
Share on other sites

Good point but alas Lloyds TSB have already issued a statement on their website stating they will still charge as they see their charges as basically being fit for the crime and not unfair plus they will ask for all cases to be suspended for as long as it takes, and they have stated it could be at least 1 year. Says it all for LTSB really.:rolleyes:

Lloyds TSB -Settled in full 30/08/06 :)

Now whoes next :)

Link to post
Share on other sites

And here it is from their website

 

Answers to questions on bank charges

 

 

Q: What is happening?

A: On 27 July, the Office of Fair Trading (OFT), Lloyds TSB, six other UK banks and a building society started a court case to decide on the legality of unauthorised overdraft charges. Together, these banks and the building society provide more than 93% of current accounts in the UK.

This case is being called a "test case" because the decision will clarify the law in this area and is likely to apply to all current and new claims against current account providers about unauthorised overdraft charges.

We will continue to post updates on our website to keep customers informed of progress on the test case as this could run for at least a year.

 

Q: What will happen to customer complaints about unauthorised overdraft charges?

A: Lloyds TSB will suspend dealing with or resolving customer complaints on unauthorised overdraft charges while the test case is running.

If you do complain about your unauthorised overdraft charges, we will write to tell you that we have received your complaint and that we will record it on your file. When a final decision is reached in the test case, we will contact you as soon as possible to tell you how we will resolve your complaint. We will apply the decision in the court case to all complaints we receive.

 

Q: Why are the banks allowed to stop dealing with unauthorised overdraft charge complaints during the test case?

A: We applied to the Financial Services Authority (FSA) for a suspension of the normal timetable for dealing with unauthorised overdraft charge complaints. The FSA decided that in the circumstances, it was appropriate to grant us a suspension of our obligations under the FSA's complaint handling rules whilst we seek legal certainty on this issue. The suspension is subject to a series of conditions designed to protect customers' rights. You can read the form of the FSA suspension (direction) here: www.fsa.gov.uk.

All customers who have made a written complaint on unauthorised overdraft charges but haven’t yet had a final response will receive a letter to explain the position with respect to their complaint.

 

Q: I’ve recently requested copy statements as the start of making acomplaint about bank charges. Can I still make a complaint?

A: We’re always happy to send copy statements on payment of our service fee. If you have requested them they should be sent to you within 40 days of payment of this fee. However, you should note that if you then write to make a complaint about your bank charges this will be treated as set out above.

 

Q: Can I make a court claim for a refund during the test case?

A: Yes, but we will apply to the court to put your case on hold while the test case is running. This is because the issues being raised in customer complaints on unauthorised overdraft charges are being considered in the test case.

 

Q: Can I complain to the Financial Ombudsman Service about my bank charges?

A: The Financial Ombudsman Service (FOS) has decided not to review complaints about unauthorised overdraft charges while the test case is running. If you do complain to FOS, you will receive a letter explaining this and letting you know what will happen.

 

Q: What if I have already been made an offer?

A: We will stand by any offer to settle a complaint or court claim that we have already made to our customers. If you have received an offer to settle from us which is still outstanding we will be writing to you again shortly. Our letter will explain that customers have two months to decide whether to refuse our offer and wait for the decision in the test case. If you do choose to refuse an offer, and return the settlement amount to us, your complaint will be held and recorded by us until there is a final decision in the test case. We will then contact you again as soon as possible to finally resolve your complaint.

 

Q: I have already accepted an offer from you. Will my complaint be revisited?

A: If we have made a 'full and final settlement' which you have accepted, we believe it unlikely you would be awarded a further sum even if the test case indicates you could have claimed a potentially larger amount. However, accepting any such settlement does not stop you from asking for repayment on any further new charges incurred if the court finds they are unlawful.

 

Q: You’ve rejected my complaint, what can I do now?

A: You may wish to refer your complaint to the Financial Ombudsman Service. However as set out above, the Financial Ombudsman Service (FOS) has decided not to review complaints about unauthorised overdraft charges while the test case is running. If you do complain to FOS, you will receive a letter explaining this.

In addition, you can also make a court claim for a refund during the test case. However we will be applying to the court to put your case on hold while the test case is running. This is because the issues being raised in customer complaints on unauthorised overdraft charges are being considered in the test case.

 

Q: How long will the test case take?

A: At this time it is too soon to give any exact timescales for a conclusion to the test case but it could go for more than a year. We have agreed with the OFT and the FSA to conduct the test case in an efficient, prompt and orderly way.

 

Q: How can you continue to charge what you do for these services when there is legal challenge?

A: We believe that our current account fees and charges are clear and represent a fair charge for a banking service that is valued by our customers. That is why we have worked with the other major UK banks and the OFT to start legal proceedings, which we believe will clarify the law in this area.

 

Q: Does this test case and the suspension of unauthorised overdraft claims apply to my credit card complaint?

A: No this test case and the suspension applies only to complaints about unauthorised overdraft charges and the law which applies to them.

 

Q: Where can I find out more?

A:You can contact us by calling 0845 603 0899.

Alternatively, you can find more information through the following links:

The Financial Services Authority:

www.fsa.gov.uk

The Office of Fair Trading:

www.oft.gov.uk

The Financial Ombudsman Service:

www.financial-ombudsman.co.uk

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

Link to post
Share on other sites

Reading the OFT/Bank agrrement for the test case, it appears this will only apply to personal accounts and not business accounts. It will be interesting to see how the banks are going to deal with these.

Please Click The Scales if I have been of help to you.

 

 

Kensington Mortgages withdrawn. no costs

NatWest Settled in full

Abbey Court Settled in Full

Capital 1 settled in full

Halifax settled in full :D

Link to post
Share on other sites

can we make claims for the other charges...then can we claim the overdraft charges after the farce case er i mean test case, so in theory, if we omit the overdraft charges then the claims should carry on as normal

TOTALLY debt free as of 2007, Fantastic,

Link to post
Share on other sites

Interesting point you make buttyman about charges being suspended if they can stay cases. Personally I am close to submitting a court claim. A few months ago i changed from Lloyd's TSB to a different bank and moved all my DDs and SOs over but deliberately left a couple of small standing debit card payments. Total of £45. With charges its now over £300. This was to try and show how unfair the charges are especially with the T&Cs for debit card misuse stating it is breaking the agreement. This has been since roughly April time. Its now wit their collections department who phone and write regularly only to be told that as the account is under dispute that they shouldn't be pursuing me.

I'm now waiting to see if they take it further and issue a court claim against me. If they do I think it would be prudent for me to ask for a stay awaiting the outcome of the pending court case. Surely if its OK for them to ask for stays then whats the problem for us to ask as well.

Link to post
Share on other sites

You can still claim everything.

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

Link to post
Share on other sites

to be honest, i know that, BUt, my local court says the stays are imminent, so i thought just claim the otheers for now and then go after the od charges when its settled, i dont see the point in holding up a claim fopr what could be up to 2 years

TOTALLY debt free as of 2007, Fantastic,

Link to post
Share on other sites

to be honest, i know that, BUt, my local court says the stays are imminent, so i thought just claim the otheers for now and then go after the od charges when its settled, i dont see the point in holding up a claim fopr what could be up to 2 years

 

I'm really not sure what exactly you are asking?

Link to post
Share on other sites

I'm really not sure what exactly you are asking?

 

 

I effectively am asking if the test case is only about over draft charges the if we JUST claim for all other penalty charges we should be ok with the court action as this is nothing to do with over drafts

TOTALLY debt free as of 2007, Fantastic,

Link to post
Share on other sites

I have a little claim for just £78 + interest. I am about to issue court action for it tomorrow, so i thought i wouuld phone and try my luck, The charges are just 2 of them and are NOT for unauthorised overdraft fee's, they are purely unpaid direct debits, there fore to my thinking no way involved with the OFT action in london as this refers to unauthorised overdraft fee's and not unpaid d/d, The lady on the phone informed me that Helifax have put hold on all claims even if they dont involve overdraft fee's, hell, i gonna put it in any way and when its stayed i gonn tell thet there judge to look again as its nowt to do with the london case

TOTALLY debt free as of 2007, Fantastic,

Link to post
Share on other sites

Hi,sorry to jump in.

Maybe these are stupid questions but,

I cant find anything in this Q &A`s (see below) relating to `Payment reversals` etc etc

only `Unaurthorised overdraft charges`,so how can they suspend all complaints regarding all other types of charges ?

Surely if you were to continue with your complaint,but,omitting `unauthorised overdraft charges `for the time being ,they would still have to deal with it?

 

Am i missing the point here ? Are all charges applied to current accounts regarded as `Unauthorised Overdraught Charges` ?

They are certainly not indicated as such on the list of charges supplied to me from Intelligent Finance.

 

 

 

Answers to questions on bank charges

 

 

Q: What is happening?

A: On 27 July, the Office of Fair Trading (OFT), Lloyds TSB, six other UK banks and a building society started a court case to decide on the legality of unauthorised overdraft charges. Together, these banks and the building society provide more than 93% of current accounts in the UK.

This case is being called a "test case" because the decision will clarify the law in this area and is likely to apply to all current and new claims against current account providers about unauthorised overdraft charges.

We will continue to post updates on our website to keep customers informed of progress on the test case as this could run for at least a year.

 

Q: What will happen to customer complaints about unauthorised overdraft charges?

A: Lloyds TSB will suspend dealing with or resolving customer complaints on unauthorised overdraft charges while the test case is running.

If you do complain about your unauthorised overdraft charges, we will write to tell you that we have received your complaint and that we will record it on your file. When a final decision is reached in the test case, we will contact you as soon as possible to tell you how we will resolve your complaint. We will apply the decision in the court case to all complaints we receive.

 

Q: Why are the banks allowed to stop dealing with unauthorised overdraft charge complaints during the test case?

A: We applied to the Financial Services Authority (FSA) for a suspension of the normal timetable for dealing with unauthorised overdraft charge complaints. The FSA decided that in the circumstances, it was appropriate to grant us a suspension of our obligations under the FSA's complaint handling rules whilst we seek legal certainty on this issue. The suspension is subject to a series of conditions designed to protect customers' rights. You can read the form of the FSA suspension (direction) here: www.fsa.gov.uk.

All customers who have made a written complaint on unauthorised overdraft charges but haven’t yet had a final response will receive a letter to explain the position with respect to their complaint.

 

Q: I’ve recently requested copy statements as the start of making acomplaint about bank charges. Can I still make a complaint?

A: We’re always happy to send copy statements on payment of our service fee. If you have requested them they should be sent to you within 40 days of payment of this fee. However, you should note that if you then write to make a complaint about your bank charges this will be treated as set out above.

 

Q: Can I make a court claim for a refund during the test case?

A: Yes, but we will apply to the court to put your case on hold while the test case is running. This is because the issues being raised in customer complaints on unauthorised overdraft charges are being considered in the test case.

 

Q: Can I complain to the Financial Ombudsman Service about my bank charges?

A: The Financial Ombudsman Service (FOS) has decided not to review complaints about unauthorised overdraft charges while the test case is running. If you do complain to FOS, you will receive a letter explaining this and letting you know what will happen.

 

Q: What if I have already been made an offer?

A: We will stand by any offer to settle a complaint or court claim that we have already made to our customers. If you have received an offer to settle from us which is still outstanding we will be writing to you again shortly. Our letter will explain that customers have two months to decide whether to refuse our offer and wait for the decision in the test case. If you do choose to refuse an offer, and return the settlement amount to us, your complaint will be held and recorded by us until there is a final decision in the test case. We will then contact you again as soon as possible to finally resolve your complaint.

 

Q: I have already accepted an offer from you. Will my complaint be revisited?

A: If we have made a 'full and final settlement' which you have accepted, we believe it unlikely you would be awarded a further sum even if the test case indicates you could have claimed a potentially larger amount. However, accepting any such settlement does not stop you from asking for repayment on any further new charges incurred if the court finds they are unlawful.

 

Q: You’ve rejected my complaint, what can I do now?

A: You may wish to refer your complaint to the Financial Ombudsman Service. However as set out above, the Financial Ombudsman Service (FOS) has decided not to review complaints about unauthorised overdraft charges while the test case is running. If you do complain to FOS, you will receive a letter explaining this.

In addition, you can also make a court claim for a refund during the test case. However we will be applying to the court to put your case on hold while the test case is running. This is because the issues being raised in customer complaints on unauthorised overdraft charges are being considered in the test case.

 

Q: How long will the test case take?

A: At this time it is too soon to give any exact timescales for a conclusion to the test case but it could go for more than a year. We have agreed with the OFT and the FSA to conduct the test case in an efficient, prompt and orderly way.

 

Q: How can you continue to charge what you do for these services when there is legal challenge?

A: We believe that our current account fees and charges are clear and represent a fair charge for a banking service that is valued by our customers. That is why we have worked with the other major UK banks and the OFT to start legal proceedings, which we believe will clarify the law in this area.

 

Q: Does this test case and the suspension of unauthorised overdraft claims apply to my credit card complaint?

A: No this test case and the suspension applies only to complaints about unauthorised overdraft charges and the law which applies to them.

 

Q: Where can I find out more?

A:You can contact us by calling 0845 603 0899.

Alternatively, you can find more information through the following links:

The Financial Services Authority:

www.fsa.gov.uk

The Office of Fair Trading:

www.oft.gov.uk

The Financial Ombudsman Service:

www.financial-ombudsman.co.uk

__________________

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...