The Way Forward.

[Bigdebtor]

sub

[Bigdebtor]

AA99

 

This is VERY similar to my recent HBOS letter. Paragraph 2 is clearly designed to be misleading and is IMHO nothing less than FRAUD - trying to hoodwink us into giving up now. Maybe the OFT believed their spin(although I'm glad they have butted out) but WE DON'T. There is still plenty of mileage in the UTCCR route and I believe they have LIED in this letter. The Govan Law site gives a template tpo be used with other UTCCR regulations that the SC President of Judges pointed us towards.

 

If this is their scare tactics then I think we probably DO have them on the back foot - and need to kick them now where it hurts - in their wallets.

 

At the very least this sort of misleading cr*p must breach fair trading regulations or banking code practices by giving such a one sided - and false- report of the SC verdict.

 

Onwards and up them!

 

BD

[Bigdebtor]

I'm getting bored (and annoyed) by this thread - and beginning to wonder if it's renogiation that has a hidden agenda - in his trojan horse?

 

I think a march is a naff idea - it would be a PR disaster for those in genuine hardship - expensive and time consuming to participate - and actually what inconvenience or expense would it cause the banks?

 

Only the tax payer would be out of pocket! It would just portray CAGGERS as a crowd of immature leftie agitator debt avoiders - either unemployed (i.e on benefits) or who can afford to take a day off work - whilst avoiding debts.

(NB This is not my view of CAGGERS - but how I think this would be preceived by Joe Public)

 

IMO a much more effective protest would be for several thousand pretty well identical letters to be sent on the same day to all the UK banks rebutting their recent "ha ha we won" letters and asking for consideration to repay unfair charges under the alternative UTCCR issues identified by the SC -with copies e-mailed to all our individual MP's and John McFall. They would have 8 weeks to respond - and if we were not satisfied with their responses then the same number of complaints would end up with FOS - costing the banks £400 -£500 a time. THAT would hurt and annoy them!

 

Ideally I would like CAG to prepare a template for this - so we get it right and leave no loopholes for them to wriggle through.

 

However, in any case, would anyone still thinking of using this thread - and forum - to score petty personal points which risk bringing the whole of CAG into disrepute please STOP now? These posts are neither funny, entertaining nor informative and just show that some people have too much time on their hands!

 

BD

Edited January 28, 2010 by Bigdebtor
typos

[Bigdebtor]

Thanks for your support S.

 

I have seen some pretty good posts from you so I am sure I just pre-empted something better from your own esteemed pen!

 

BD

[Bigdebtor]

I find it bizarre that you keep on reading. Just my opinion.

 

BD REPLY: I read in the hope of learning something. To assume there is nothing in value in an unread piece is the first step to ignorance and intolerance.

 

Everyone is free to make up their 'own mind' on that aren't they? Quite how you can label the public exercising their right to peaceful protest as a PR disaster is beyond me. The motive is clearly to let the government know that the public won't stand for these rip off charges any more.

 

BD REPLY: I remember how "peaceful marches" have been perceived over the last 40 years. They never succeed. Swamping MP's, judges, bank CEO's etc. with letters would achieve more at lower cost.

 

The tax payer would be out of pocket? Oh dear, I won't even get into that one with you considering the last few years. This isn't a march just for CAGGERS. This is a mass, nationwide march for the public. Otherwise, there would be little point doing it as it wouldn't achieve anything!

 

BD REPLY: Why cost te taxpayer even more now? Your last sentence is spot on apart from "otherwise"!

 

I will continue to respond as I see fit. Ideas revolving around a march as 'informative', then I politely suggest you look elsewhere for your stimulation.

 

BD REPLY: It's a free country. You keep writing rubbish and I'll keep reading it. I have not yet found it stimulating but I live in hope.

 

All lobbying and action helps and I am for it. I am sure that we will not get any real change without mass, public, peaceful protests though.

 

BD REPLY: I disagree. What mass protests have been successful? - G8 or G20 protests? the miners' strike? CND?

 

Still no sign of Yourbank showing his support on the 'March For Fairness' thread. How bizarre. Could it be that he is actually against doing the one thing that might actually make a real difference? It certainly seems that way to me. Just as I predicted, yet again...

 

BD REPLY: Maybe Yourbank has more sense and like me is focussing on doing things which CAN make a difference by helping other CAGGERs? I won't respond to any of your future points as attention just encourages the immature who seek it.

 

BD

Edited January 29, 2010 by Bigdebtor
typos

[Bigdebtor]

TFT

I think OFT just delayed things for 2 1/2 years whereas before the banks were paying out to avoid court.

 

Have you seen the template on the Govan law Centre web site? It might be worth taking some ideas from it pending Ray Cox's feedback via CAG and/or MSE.

 

I tried FOS re hardship - the Bank promising not to charge me unfair charges for next 3 months (which were already being replaced by £1, £2 or £5 per day charges) made them happy enough to side with the banks - so FOS are still pretty useless.

 

BD

[Bigdebtor]

TFT

 

This might be a bit too easy for you - if you really want a fight - but I was told by a girl on the HBOS 08457 21 31 41 call centre that they had discretion to refund up to two £35 charges per account holder.

 

Have you had two charges back yet?

 

If not complain that you are being treated less favourably than other customers. Have you thought about FOS - just to rattle their cage and cost them the £400 plus referral fee? Being treated less favourably than other customers should be justification enough.

 

If you are you a male white able bodied christian of normal height and weight (or anything else in any of these options) then you can claim sex/race/disability/religious/etc. discrimination just to rattle them a bit. (might as well have some fun while the fight goes on!).

 

BD

[Bigdebtor]

I do find the postings suggesting that Yourbank , because he doesn't support the notion of peaceful protest, has some hidden agenda and that he is most probably a spy for the banks.

 

I also do not believe in peaceful protest because 9 times out of 10 there will usually be some one who starts trouble. Does this make me suspect in my intentions for posting on here?

 

Yourbank has helped countless people over the years and there are a lot of people who would be far worse off if he hadn't bothered.

 

 

enamae

 

I totally agree. I have never heard of a successful demonstration in the UK. They might succeed in France but they are NOT peaceful.

 

I have tipped your scales (not that you need it!)

 

BD

Edited January 31, 2010 by Bigdebtor
typos

[Bigdebtor]

If you are talking about the original concept of this thread then I totally agree.

 

If you are talking about the quality of the posts in this thread then I mostly agree.

 

If you are questioning whether this has been an abuse of our right to freedom of expression then I agree on this specific case.

 

If you are suggesting we should fight to the death to keep such rights then I disagree on this specific case.

 

BD