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Bank Charges Campaign Continues

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Good for you Termi ,, I remember that starting ... go for it ... I'll certainly sign it ... :)


Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

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My OH sent an email using the Which? template back in June.

 

Dear Jeremy Wright

I am writing to ask you to urge the government to take strong action against the banks over

unarranged overdraft charges. Banks make a huge amount of money from these charges so I do

not believe they will make changes that deliver real benefits to people like me unless the

government takes action and forces them to change their approach.

Like many of your constituents, I was very disappointed by the Supreme Court decision that

denied the OFT the right to assess banks’ terms and conditions on overdraft charges for fairness.

Some of the charges for unarranged overdrafts seem completely disproportionate and are difficult

to understand. You generally don’t even know when you’ve been charged until after it has

happened and it is hard to believe that these charges are cost-reflective to your bank. Getting hit

with a charge can often make your money problems worse.

The Coalition agreement clearly states that the Coalition “will introduce stronger consumer

protections, including measures to end unfair bank and financial transaction charges”. I

understand the government is currently considering the case for changing the law but it is obvious

the banks will campaign relentlessly against any tough changes and will try and secure support for

a voluntary approach. I am concerned this will just result in more years of no action and unfair

charges. I would therefore be grateful for any assistance you could offer in making sure the

consumer voice isn’t drowned out and ensuring the banks don’t, yet again, manage to wriggle their

way out of reforms.

I was very pleased to see the pledge in the Coalition agreement and hope you will help ensure

that the government stands by their promise. The banks have enjoyed a huge amount of taxpayer

support and I believe it is about time that they were made to charge consumers in a fair manner

Yours sincerely,

 

This is the response he got back this week.

 

Bank Charges response from Jeremy Wright MP -  10 August 2011.jpg

 

Thank you for contacting me about overdraft charges and I am sorry for the delay in responding. Although interest rates are at a record low, charges on unarranged overdrafts have not fallen proportionately.

The Government committed in the coalition agreement to introduce stronger consumer protections including measures to end unfair bank and financial transaction charges. This commitment is being taken forward as part of the joint Department for Business, Innovation and Skills and HM Treasury Consumer Credit and Personal Insolvency Review. Following a call for evidence, the Government is now considering the available evidence before publishing specific proposals.

More broadly, the Government is taking action to curb unsustainable lending. The Consumer Credit Act came into effect in February. The Act gives consumers up to 14 days to cancel many new loan agreement and the option to make partial early repayment on loans. Lenders are also required to give borrowers standardised, pre-contractual information to help them compare loans, ensure customers understand their loan, and check a borrower’s creditworthiness before agreeing a loan.

I can assure you that Ministers are actively considering the broader points you have raised about overdraft charges.

Thank you again for taking the time to contact me.

Yours sincerely,

Jeremy Wright MP

Edited by caro
Type in text of letter

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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Night Owl, I thought of something you might like to ask your MP about, although you might need to do a bit of homework on it first.

 

I was thinking about what the Supreme Court judges said about there may be scope for charges to be unlawful. Perhaps you could ask your MP if anyone is doing anything to look at what was said to further investigate if bank charges are indeed unlawful.

 

If a senior judge has said that they are, then surely it warrants further investigation.:wink:

 

Cheers for that Caro :D

 

PS can't read your O/H's reply above!! tried enlarging it but it's all blurred ....................or is it just the wine I'm on!!!!!


Keep up the fight against Bank Charges.

 

 

Got Debt problems?

Don't panic, put the kettle on and read this

 

:-) Everything I write comes from my heart and head! The large filling cabinet that is my knowledge of life, however warped that may be!! :-)

 

<<< Please tickle my star!! if I have managed to help you or just made you chuckle!

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It'll be the wine NO. Try watering it down a bit! :razz:

 

On second thoughts I'll have another go with it.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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:lol: hic!

Keep up the fight against Bank Charges.

 

 

Got Debt problems?

Don't panic, put the kettle on and read this

 

:-) Everything I write comes from my heart and head! The large filling cabinet that is my knowledge of life, however warped that may be!! :-)

 

<<< Please tickle my star!! if I have managed to help you or just made you chuckle!

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Hi Caro,

 

I opened attachment but the word lettering was small and not in focus, I did enlarge but just went more out of focus. Maybe an email for me is better.

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I've typed in the letter now.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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Just found an e-petition to the Government that I think is rather good, although not got many signatures yet.

 

When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.

 

http://epetitions.direct.gov.uk/petitions/6571


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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Maybe time to shake their complacency a bit caro :roll: ... there is another petition I saw today managed to get 100,000 signatures .. and should now be investigated by parliament .. soo we need to aim high .. get everyone involved ..an ACB ! (all Caggers Bulletin ! LOL )


Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Yes I saw that Johnny about the Hillsborough disaster. It's how to motivate people that's the problem.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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Just found an e-petition to the Government that I think is rather good, although not got many signatures yet.

 

 

 

http://epetitions.direct.gov.uk/petitions/6571

 

 

Well I've done my bit and signed......every little helps

 

ims


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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Hi folks.

 

Today I have had a very productive meeting with my MP.

We discussed everything to do with Bank Charges and their lasting effects on vulnerable people, and the way to take this issue forward in Parliament.

 

Please go and see your MP's and tell them what you think of the Banks actions over Bank Charges and how they have affected you.

If you can't see them, E-mail them.


Keep up the fight against Bank Charges.

 

 

Got Debt problems?

Don't panic, put the kettle on and read this

 

:-) Everything I write comes from my heart and head! The large filling cabinet that is my knowledge of life, however warped that may be!! :-)

 

<<< Please tickle my star!! if I have managed to help you or just made you chuckle!

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Thanks ims. The petition needs to be publicised. I don't know if the person who started it is a cagger or not. Perhaps citizenb could promote it in the newsletter. That'd be a start and if we all put it a link in our sigs maybe others will pick it up.

 

Glad to hear the meeting went well NO. It's not long until the ICB recommendations will be considered by Parliament so I agree with you. MPs need to know the views of the people who elected them,


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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My signature has been duly amended!

 

Did a little bird tell me that there was a birthday a couple of days ago caro? Hope you had a goodie.

 

ims


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Thanks ims. The petition needs to be publicised. I don't know if the person who started it is a cagger or not. Perhaps citizenb could promote it in the newsletter. That'd be a start and if we all put it a link in our sigs maybe others will pick it up.

 

Glad to hear the meeting went well NO. It's not long until the ICB recommendations will be considered by Parliament so I agree with you. MPs need to know the views of the people who elected them,

 

Ok, 2 more added.. after they send the links..

 

 

will add to my signature.. and arrange for it to go in the newlsetter next week :)


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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

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My signature has been duly amended!

 

Did a little bird tell me that there was a birthday a couple of days ago caro? Hope you had a goodie.

 

ims

 

That little bird needs shooting! :p Thanks ims it was a goodie! Had a brilliant time!! :-D

Ok, 2 more added.. after they send the links..

 

 

will add to my signature.. and arrange for it to go in the newlsetter next week :)

 

Thanks CB. Little acorns and all that. :-)


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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Hi DD

 

Maybe its the government massaging figures again?

 

ims


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Well, I'm not 100% certain, but maybe we should check every couple of days.

 

I remember signing another No. 10 Petition some time ago, but then you could see the signatures. Now in the FAQs it says you can't, so how is anyone supposed to check that their signature is actually on there?

 

Maybe the site team members who haven't already signed, and their families/friends could all sign on one day and then it would be possible to check if the number of signatures has risen to reflect this?

 

DD

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CAG has thousands of members, and many people are on this thread, so I find it absolutely astonishing that there are apparently only 15 signatures in support of this!!!

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CitiB,

 

If you want to add the Petition link to my signature, please do.

 

DD

 

Hi DD

 

Can you not do it yourself through your control panel?

 

ims


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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I have never even managed to post a link successfully despite following the instructions to the letter, and I have tried to post about 100.

 

I'll have a go tomorrow, but with my (lack of) expertise it would probably be much quicker if someone on the site did it.

 

DD

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