Jump to content


Michael Browne

Sheriff puts Bank of Scotland to proof on bank charges

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2379 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

seems awful quiet on feedback for this one ... :???: ...

 

just have to hope Mike Dailly or someone enlightens us I suppose ...


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

Share this post


Link to post
Share on other sites
seems awful quiet on feedback for this one ... :???: ...

 

just have to hope Mike Dailly or someone enlightens us I suppose ...

 

It was only yesterday lol he is having a restful weekend :!:


HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

However, if you have found any advice you have been given helpful.

Why not show your gratitude And

Click the * on the post you found helpful.

Share this post


Link to post
Share on other sites

Hee hee ..you're right RDM .. but the suspense is killing me ! :madgrin:


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

Share this post


Link to post
Share on other sites

Guys we've been informed by someone in the know, that 'Rule 18' is about documents. So don't get too excited., yet.


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE

11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

12) SOGA SUMMARY CLICK HERE

13) WHICH? TEMPLATES [/url]CLICK HERE

14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE

15) EVERYTHING HOUSING CLICK HERE

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTSCLICK HERE

18) OFCOM - COMPLAINTS CLICK HERE

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site

 

Please let us know how your problem has been resolved, it could help fellow Caggers

Share this post


Link to post
Share on other sites
CHAPTER 18 AMENDMENT OF PLEADINGS

 

 

18.1. Alteration of sum sued for

18.2. Powers of sheriff to allow amendment

18.3. Applications to amend

18.4. Applications for diligence on amendment

18.5. Service of amended pleadings

18.6. Expenses and conditions of amendment

18.7. Effect of amendment on diligence

18.8. Preliminary pleas inserted on amendment

 

 

 

There may be another part of the process as well but rule 18 isn't likely to cause much fuss.

 

M1

 

Guys we've been informed by someone in the know, that 'Rule 18' is about documents. So don't get too excited., yet.

 

 

Rule 18????


HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

However, if you have found any advice you have been given helpful.

Why not show your gratitude And

Click the * on the post you found helpful.

Share this post


Link to post
Share on other sites

Civil Procedure in the Sheriff Court

 

Amendment

 

At any debate one or other party may appear and move the court to discharge the debate and to continue the case for amendment. In order to avoid being found liable for the expenses of preparation for any debate it is more sensible if the party who has resolved to amend does so well in advance of the debate, by enrolling a written motion seeking leave to amend. Amendment is regulated by OCR 18. Typically a party will enrol a motion seeking:

(a) discharge of a diet of debate;

 

(b) permission for their minute of amendment to be received;

 

© a period of time for the opponent to answer;

 

(d) a period of time for the parties to adjust their pleadings in the light of the minute and answers

 

(e) a
Rule 18 hearing
at which the court will in the usual course of things allow the record to be opened up and amended in terms of the minute and answers and deal with further procedure as well as expenses of the amendment procedure.


BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN THIS PETITION

 

Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL

 

What poor education I have received has been gained in the University of Life

Share this post


Link to post
Share on other sites

Sounds like yet more wriggling tactics from the banks! :evil:

 

I wish the Sheriff would just paraphrase some of the lower English Court Judges and say "You levied all these unfair charges - now pay them back!" No ifs, no buts, no more shenanigans!

 

BD


£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

Share this post


Link to post
Share on other sites

Hijack alert but I hope the OP will forgive me in the circumstances. Would everyone please take a minute to sign this petition and get all your friends and family to do the same.

 

http://www.consumeractiongroup.co.uk/forum/content.php?785-Re-Bank-Charges-Campaign-Continues


 

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.

Share this post


Link to post
Share on other sites
Hijack alert but I hope the OP will forgive me in the circumstances. Would everyone please take a minute to sign this petition and get all your friends and family to do the same.

 

http://www.consumeractiongroup.co.uk/forum/content.php?785-Re-Bank-Charges-Campaign-Continues

 

Thanks Caro............signed :-D


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

Share this post


Link to post
Share on other sites

Cheers landy! x :-D


 

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.

Share this post


Link to post
Share on other sites

Anyone know what's happening with these cases now - seems to have been very quiet for a long time - and nothing more up to date on GLC's web site either!

 

BD


£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

Share this post


Link to post
Share on other sites

Still doesn't appear to be any update on GLC's website. Anyone heard anything?


11/08/06 Data Protection Act Letters to Barclays, Barclaycard and HSBC

Statements received from HSBC (without any £10 fee)

Microfiche nonsense from Barclaycard

13/09/06 First letter to HSBC for £260 + £54 interest

Statements (printout from microfiche) from Barclays

25/09/06 Refusal from HSBC

29/09/06 LBA sent to HSBC

Share this post


Link to post
Share on other sites

Follow on twitter.

 

3/2/12 GLC bank charges test case Reid v. Clydesdale plc debate on 2 April 2012 @ Glasgow Sheriff Court.

 

27/1/12 Bank Charges test cases update: Sharp v. Bank of Scotland plc in court next Thursday - stay tuned for GLC twitter updates.

 

M1

Share this post


Link to post
Share on other sites

I have a feeling that Sharp v BoS was on the roll for last Thursday (2nd) with Sheriff Deutsch - was expecting to have heard something but nothing has there been - perhaps another delay?

Nothing new on the GLC site, but I'm sure if anyone knows they will put it up here.

Share this post


Link to post
Share on other sites

 

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.

Share this post


Link to post
Share on other sites

The correct place to post ??

 

I was reading about reclaiming unfair and unreasonable charges leived on my mortgage account - I have had £3500 ish charges levied on account and wonder if they can be reclaimd if so how ?

 

OSW

Share this post


Link to post
Share on other sites
The correct place to post ??

 

I was reading about reclaiming unfair and unreasonable charges leived on my mortgage account - I have had £3500 ish charges levied on account and wonder if they can be reclaimd if so how ?

 

OSW

 

 

This may help you LINK


HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

However, if you have found any advice you have been given helpful.

Why not show your gratitude And

Click the * on the post you found helpful.

Share this post


Link to post
Share on other sites

RMD2006

 

Thank You

 

In the refund of these charges is interest added as obviously the funds will only reduce debt in my case ?

 

Is the interest charged on the historic charges by provider removed ? Is there a way I can work these figures out?

 

Thank You

 

OSW

Share this post


Link to post
Share on other sites

OSW, if you take a look at the link, all of the information you need is in the thread it takes you to. There are further links in the thread which will give you more info, including that on restitution. Good luck!

 

Thanks for the link, RDM, I'd given up on mortgage charges, but I'll be having a go now!

Share this post


Link to post
Share on other sites

Have people actually got any of these charges back on here and is there a groundswell of activity in getting them back? - all looks a bit dated.


Cabot and the Cabot Fan Club Threads:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html

 

Legal Actions Explained for Businesses:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

Payplan CCCS Advice:

http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

How to use the Forum

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

A click on the scales below is appreciated if my posts were helpful

Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.

 

PLEASE DONATE IF SUCCESSFUL - Every little helps :)

 

PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able to respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! :D Thank you.

Share this post


Link to post
Share on other sites

I got some back late last year after just one letter so yes


HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

However, if you have found any advice you have been given helpful.

Why not show your gratitude And

Click the * on the post you found helpful.

Share this post


Link to post
Share on other sites

GLC has settled a claim in full for the refund for overdraft charges with Santander UK plc. The claim was extra-judicially after proceedings had been raised utlising new legal and factual arguments.

 

Some of these arguments (but not all) are scheduled to be test in the cases of Reid v. Clydesdale Bank plc, and Sharp v. Bank of Scotland plc.

 

A debate will take at Glasgow Sheriff Court on 2 April 2012 in the case of Reid v. Clydesdale Bank plc, with GLC's Mike Dailly appearing for the pursuer, and Clydesdale's in-house legal team and counsel appearing for the defender.

 

The case of Sharp v. Bank of Scotland awaits a fresh hearing date.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...