NIGEL 1804 back for the rest.

[lint]

Its a joke giving a months charges. Why dont they do what theyre meant to.

[nigel1804]

Its a ploy by the bank to hold on to everyscrap of money they can. I wonder do they need it more than me.After all they have been doing some bad dealings......... I mean which idiot took the decision to take over a bank with so many bad debts..? yes lets criple the hardship cases .....they will always be going overdrawn....they're good customers....Think we won't or can't fight back.............I got news for ya.........watch these threads....

[nigel1804]

Hi again everyone. The bank are replying with the same offer that they originally offered me. They won't budge an inch on that so onward and upward.

regards nigel

[nigel1804]

Hi again everyone. agreed money and three months no charges from today. So lets see what comes now. I'll be watching my account like a hawk. Don't default on your agreement HBOS.

[nigel1804]

In these days of electronic transfers, its amazing how it might take up to 14 days to put the money into my account. I've been on the phone to the customer services manager (the 3rd one to deal with my case) 3 times for this measily £413. it was funny that in one of my previous court cases Deemed served on the 8th. On the 9th all charges to the tune of 8K was in my account. Why so slow this time.

 

Anyone know the outcome of the house of Lords shower.?

[nigel1804]

Well it beggers belief that the banks can have billions from the government to rescue their backsides but not play the game as to which the billions were intended. The hike in interest to customers and businesses whilst the interest to them is at an all time world record low. What are the government doing to stop this rip off that the banks are playing. Maybe the banks are trying to save some money, so that they can pay back all our bank charges using our money from the goverment........... Mr Darling take a leaf out of my old flying instructors book....when everthing starts to go pear shaped in the cockpit. He would gently ask "what's happening.?"

 

"Well er ...er.er...."

 

He would then bellow,,,,Ready Darling......"DON'T JUST SIT THERE, BLOODY WELL DO SOMETHING":eek: Stop the rip off now, get a grip on the banks NOW. Why can't they see that these organisations are ripping people off from our bank charges through to borrowing our government money..............oh and while your doing something have a chat with the old chaps in the next chambers to shift there arse...while they're sipping the G and T's people out here are suffering due to bank charges.....Sorry Team rant over for today. God bless.

[London000]

Well it beggers belief that the banks can have billions from the government to rescue their backsides but not play the game as to which the billions were intended. The hike in interest to customers and businesses whilst the interest to them is at an all time world record low. What are the government doing to stop this rip off that the banks are playing. Maybe the banks are trying to save some money, so that they can pay back all our bank charges using our money from the goverment........... Mr Darling take a leaf out of my old flying instructors book....when everthing starts to go pear shaped in the cockpit. He would gently ask "what's happening.?"

 

"Well er ...er.er...."

 

He would then bellow,,,,Ready Darling......"DON'T JUST SIT THERE, BLOODY WELL DO SOMETHING":eek: Stop the rip off now, get a grip on the banks NOW. Why can't they see that these organisations are ripping people off from our bank charges through to borrowing our government money..............oh and while your doing something have a chat with the old chaps in the next chambers to shift there arse...while they're sipping the G and T's people out here are suffering due to bank charges.....Sorry Team rant over for today. God bless.

 

Hi there Nigel,

Well thinking. As I have said in my other threads, we should all try to get to know one thing: have your cash in your pocket/s. It is one of the healthiest thing you can do...

You have the money today spend them wisely...you do not have them...then better let the stomach suffer for a bit, instead of taking any from banks and suffer with the heart later....

I decided from now on::::ONLY CASH WORKS FOR ME:-D

Why carry a rubish plastic (as they call it - cards) when you can carry the real money... We should go back to old days when everything was about cash.

No APR/ CHARGES/COURTS/FOS/FSA/AGREEMENTS/checking what are you buying/ what are you eating and how much...etc.

Let them come to you and beg you for even 1p. Then we can talk. Anyway even if they win which I doubt, they have lost a good customer/s. Trust is gone...everything else is ruined.

BANKS???NO THANKS!!!!!!!

Good luck

DD8)

[nigel1804]

High again everyone. Interesting vibes now coming from the government ,I believe, about the charges that mortgage companies are putting on customers for phone calls and letters. You know, the thing we have known for years about charges. In the light of this report about mortgage companies ...By the way I've taken my old mortgage company to court G.M.A.C...was offered amounts from there solicitors but held out for the whole lot....in the view of the stay of actions it was thrown out by the judge...QUESTION: I BELIEVE I CAN ASK FOR THIS TO BE REINSTATED TRUE??????. Anyway...I'm struggling here as to how to get my head around this.......erm........everyone knows the fight for bank charges and all we have gone through, all these threads and court cases etc. SUDDENLY some quango group have decided to make it known that they think the charges are unfair.... Good GOD (sorry I am Catholic) IN WHICH WORLD ARE THIS GOVERNMENT LIVING. I heard this on BBC news last week someone might correct me. Point being ....IF THEY THINK THAT ABOUT MORTGAGE COMPANIES SURELY IT APPLIES TO THE BANKING SHYSTERS AS WELL.?:evil: I found the page to look at: BBC NEWS | Business | MPs attack mortgage arrears fees OH TO BE AN MP.......to sail through life claiming for all and sundry .....to worry about how much wage rise I should give myself oh and my pension....nothing like keeping intouch with the world....

Quote:

"The Treasury Committee said this practice was "intolerable" and demanded that the Financial Services Authority (FSA) put a stop to it".

 

WHAT THE HELL HAVE WE BEEN TRYING TO DO YOU NUMBTIES:evil:.

 

Oh while we are on the subject of "INTOLERABLE" CHARGES pop across to the house of Lords and rattle their cage if its so "intolerable".......As my Battle of Britain flying instructor used to say..." Don't just sit there F.........G do something"

Sorry if I have lowered the tone of the site but sometimes straight forward talking is needed away from the pompous PC world. regards Nigel

Edited August 9, 2009 by nigel1804

[nigel1804]

12

Edited August 9, 2009 by nigel1804

[nigel1804]

Hi everyone.

 

Has anyone had a whiff as to what the house of Lords are contemplating or even a sign as to when we may have this judgement resolved.

 

Also does anyone know if an old case is thrown out due to stay of action's is it possible to have the case re enstated....? I'm sure this is possible.

 

regards Nigel

[yourbank]

Hi everyone.

 

Has anyone had a whiff as to what the house of Lords are contemplating or even a sign as to when we may have this judgement resolved.

 

Also does anyone know if an old case is thrown out due to stay of action's is it possible to have the case re enstated....? I'm sure this is possible.

 

regards Nigel

 

Nigel, the HOL decision will not make a difference on your claim as such unless the OFT lose the appeal. If they win then we are past the half way point and we move onto the further stage in which the OFT ask for voluntary compliance since they have already identified the terms that they will challenge and if they don't then it is further litigation. If there isn't further litigation then I would be gobsmacked cos they fought tooth and nail on the first part of this case.

[nigel1804]

Ok. ! How's everyone.? Bank have started charging me again so back to the same old, same old. Well I'm so glad to see that the government thought it more inportant to discuss the fat cat well paid millionaire bankers bonuses. God knows they're out of control and out of touch. So Mr Chancellor what about the other end of the spectrum....what about all the unemployed that will be struggling to make ends meet and that will be added to the rest of us on the bank charges role....what about sorting some legislation for the poor, hardship people that are being charged 35 pounds per charge thats helping to keep us on the poverty line. Where's the legislation to stop banks charging poor people so much. I suppose it could be looked on now as another Tax eh. You don't see the government moving as quick for us as they do for their oyty toty friends do we........ Is thert any news from the house of the living dead yet. ?

 

Regards

 

Nigel

[caro]

No news yet, although they reckon it'll by the end of the year. Don't hold your breath.

 

If I were you I'd get a basic account with another bank without an overdraft and get your income and standing orders transferred there.

[nigel1804]

Well talk about JOBS FOR THE BOYS AND THE RIGHT SCHOOL TIE. Isn't it funny how the judgement swung the other way now that the government is involved in the banking world.

 

To me it still hasn't answered the question is it a penalty charge or is it a charge to cover the costs of the letter.?????????? Am I being penalised against free banking so that the better off get free banking.

 

You know when you think of it, its almost a tax on the poor. Normally someone being charged means that there is no more money available to them. Benefits ,hardship and low income people are normally the ones subjected to these charges. FREE BANKING! My latest case is for 6000 pounds where's the free banking there then for someone who earlier this year was assessed by the HBOS money management team as being a hardship case free banking doesn't come into it. Why the hell should I pay for others, who have money, to get free banking. Because thats what is happening in the cold light of day. Why are the banks the only organisation allowed to go and take money out of my account without going to court are they free from the law.........Well mark my words they bloodywell are now.

 

In any other service industry everyone has to pay at the moment it ways against the poorer end of the society.

 

Its almost a tax on the poor. Wait for it ..! watch some pompous well to do, come up with some smart answer as to what you should do...Probably never known a zero bank balance in their lives...I know maybe I should bob to my other banks where I'm hiding thousands ....maybe I should ask the advice from our MP's as to how you go about it:mad: or should I just go shake my money tree at the bottom of the garden.?

 

Back to the drawing board boys and girls just like they would have done.

 

MARCHING ON TOGETHER WE"RE GOING TO SEE YOU WIN

 

I'm a great believer in Kalma.

 

Merry Christmas to you guys and may the bankers ckoke on their Champagne:razz:

[caro]

It was nowhere near as bad as the media made out Nigel. What they actually said was that the OFT couldn't investigate under the clause 6 of the UTCCR 1999, but clause 5 is looking good. Watch this space!!

 

The Consumer Forums - Announcements in Forum :

[nigel1804]

Thats good news then. Even if the money is not returned then at least we will fight for the future charges to be fair and if the banks reduce the charges then there is surely an admission of guilt on their behalf. But I'll be hoping for my charges to be paid back after a couple of bad years of poverty the banks to me have played a large part in hindering my recuperation. Something sticks in the throught when they blame everything else but themselves for that amount of money going out of your account. If I'd just won the biggest lottery win ever I'd still be here fighting this. Thanks for the update Caro......I'll be watching this space alright. MARCHING ON TOGETHER!!!!!!

[caro]

Thats good news then. Even if the money is not returned then at least we will fight for the future charges to be fair and if the banks reduce the charges then there is surely an admission of guilt on their behalf. But I'll be hoping for my charges to be paid back after a couple of bad years of poverty the banks to me have played a large part in hindering my recuperation. Something sticks in the throught when they blame everything else but themselves for that amount of money going out of your account. If I'd just won the biggest lottery win ever I'd still be here fighting this. Thanks for the update Caro......I'll be watching this space alright. MARCHING ON TOGETHER!!!!!!

 

 

Spot on Nigel. If the banks think they've won they're deluding themselves!

[nigel1804]

Hey!!!!! have the Halifax moved the goal posts again.? So after aranging an overdraught of 750. Suddenley they can decide that they can charge me 1 pound a day after they agreed to give me the overdraught years ago. What the hell and damn nation is going on. I predicted this last year when I said that if the banks win this case thay will walk all over the poor B's who can never get out of the trap of little money coming in just to pay for the bank charges..........WHERE THE HELL ARE ALL THESE BIG WIGS THAT CAN MAKE THEM BLOODYWELL DO SOMETHING ABOUT THIS......So what's happening about the charges situation now.? are we still waiting for new templates from Matin and the QC. Someone has to stop their bandwagon of hell now..............HELP some answers please please.

 

:-xP.S. I DON'T REMEMBER SIGNING ANYTHING TO AGREE TO THESE NEW CHARGES.......ANYONE?

Edited December 30, 2009 by nigel1804

[caro]

I wish I could give you better news Nigel, but yes we are still waiting I'm afraid.

[nigel1804]

Thanks Caro......I think that these new charges are going to send me under.......After being unable to work for a while the bank are just adding insult to injury..............Anyway onward and upward I've a good mind to bother my local MP's who ever the hell these thiefs are. Just to see if they are aware of hardship and the reaccuring hardship the banks keep people in due to their excessive charges..........

 

regards

 

Nij...

[nigel1804]

Any progress anybody on the new battle towards regaining our charges.

 

regards

 

Nigel

[nigel1804]

Hello again everyone . I wonder if someone could fill me in on any progress with regard to the situation with the stays of action after we lost oft lost there case .My computer and internet have been playing up so I'm a bit behind. Did we actually do more templates with the QC after the test case.

 

 

Regards

 

Nigel

[caro]

Here's the latest.

The Consumer Forums - FAQ - The New Bank Charges Position

[nigel1804]

I have been frantically trying to find some of my old terms and conditions for bank charges. I have a letter which the second paragraph says:

 

"I am sure you will appreciate that like other organisations we incur costs for administrating your account for late/unpaid payments or overlimit situations. The bank believes it is fair to pass these costs on to the accounts affected, rather than absorb them into other areas of our organisation, penalising all our other customers as a result."

 

So does this mean that they are penalising me.?

 

Don't know if this helps in anyway The Consumer Forums - FAQ - The New Bank Charges Position

 

I normally keep allsorts of rubbish so I'm going to keep looking for the terms and conditions of the time.

 

regards

 

Nigel

[bigyeti]

They will argue that saying "we don't want to penalise other customers" does not mean that they are penalising you.