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Lloyds Default due to PENALTY charges - going to court under BCOBS


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No idea now really. Bit stumped to find BCOBS doesn't apply which was gonna be part of my argument.

Hearing is on Friday

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

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orfoster, what happened ? it was the 28th wasnt it ?

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BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

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.

 

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Not good new due to no answer?

 

You could be right, orfoster was on-line on the 1st March ?

 
 

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Im sure he will respond when he is good and ready...no news can be good news.

 

Regards

 

Andy

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Im sure he will respond when he is good and ready...no news can be good news.

 

Regards

 

Andy

 

Lets hope so :)

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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Guest Angel235

It would be helpful for an outcome though for others going through the same

 

And plus this is what the forums are about sharing

 

Hope all is well

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  • 5 months later...

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

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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Amazing win based on UTCCR's, we wouldn't have won on BCOBs though, the judge was not interested in BCOBs in the slightest.

 

The judgment is a really good read but it won't let me link in to where it is online from here, I don't have a copy on my work PC.

 

I'm so over the moon with it. The hearing was 23 June and it took till yesterday for the Judgment to arrive!!!

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Delighted for you orfoster ...well done.

 

Regards

 

Andy

We could do with some help from you.

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Excellent news orfoster. Look forward to seeing the judgment. :-)I can't help but wonder if Lloyds will take this lying down, or appeal. I hope not for all our sakes!!

 

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: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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  • 3 weeks later...
Just to let you know that Orforster will be on Radio 5 live tmw lunchtime ( 12.15 I believe) discussing his case with Martin Lewis (MSE).

 

sounds interesting!

 

also http://www.consumeractiongroup.co.uk/forum/showthread.php?431571-Lloyds-Overdraft-Terms-deemed-Unfair-in-new-Bank-Charges-Victory&p=4600864#post4600864

IMO

:-):rant:

 

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Judgment, a good read :)

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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That is quite an incredible judgement: That it finally recognises the spiral of debt effect and its mechanism, which is something we have been arguing for years. I only skim-read it, but I feel quite blown away, hearing echoes of things we were saying in 2006, long before the OFT derailed the issue and condemned us all to more servitude.

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Yes it follows the EU ruling.

 

Not so much that the charges are changeable, but the ability to unilaterally vary them enabled by a contractual term. That term may be, as here.

 

I think that this may have other applications where contractual are changed post execution.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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