Jump to content


10pm this evening BBC2, Money Program on Unlawful Bank Charges


Enron
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5714 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Just thought I should let people know who aren`t aware already.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

Link to post
Share on other sites

  • Replies 52
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Oh this is really good!!!! well done BBC!!!!! just love the bit with the barrister ;)

REFUNDED

Hubbys - HSBC £4,165 paid 18/8 after MCOL issued :)

HSBC - £651 paid 18/8 after MCOL issued :)

HSBC - £147 Prel 7/8, LBA 21/8, MCOL 6/9 £241

Hubby Halifax - Prel 29/7 £215, LBA 21/8, Offer rec. £110 22/8, MCOL 6/9 £298

Abbey - £2758 - Prel 26/6, LBA 10/7 - MCOL 26/7 £3,391, offer 25/8 £1,755.94, paid £3567.32 after Case manag hearing

Barclays - £675 Prel7/8, LBA 21/8, offer received £300 MCOL 6/9 £998 - Paid £1,012 before going to Court

Link to post
Share on other sites

..

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

Link to post
Share on other sites

Expert opinion of a former Nat West executive and two financial professors that the level of fees should be:

 

- £2.50 for direct debit refusals

- £4.50 for bounced cheques

 

Could be something to put past the mods, and yes I did record it.

 

Needless to say the banks representatives were very evasive when it came to questions of the cost of their charges.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

Link to post
Share on other sites

Rock And Rooooooooooooolllll !!!!!!!

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

Link to post
Share on other sites

Well, I watched and thoroughly enjoyed it.

 

Seeing some of these top banking people squirm under intense questioning made superb television, especially the lady from the British Banking Association. At one point, I thought she was going to cry!

 

If only this could have been shown more primetime on BBC1! Watch now for another sudden influx of claims!

 

Bring it on!

31/10/06 Lloyds TSB - S.A.R - (Subject Access Request) Sent - Lost by Royal Mail!

24/11/06 2nd S.A.R Sent - Confirmed as Received 25/11/06 10.38am

30/11/06 Statements Received

6/12/06 Preliminary Request Sent

21/12/06 Sod Off Received (With £750 offer!)

22/12/06 LBA Hand Delivered to Branch. Merry Xmas TSB!

Link to post
Share on other sites

Its a shame they didnt mention why the banks refuse to take it all the way to court.

 

In a roundabout way, they did.

 

Obviously, if one case went to court and the Bank lost, that would set a precedent and that would open the floodgates for thousands of consumers to start claiming. (Which hopefully they will start claiming anyway!)

31/10/06 Lloyds TSB - S.A.R - (Subject Access Request) Sent - Lost by Royal Mail!

24/11/06 2nd S.A.R Sent - Confirmed as Received 25/11/06 10.38am

30/11/06 Statements Received

6/12/06 Preliminary Request Sent

21/12/06 Sod Off Received (With £750 offer!)

22/12/06 LBA Hand Delivered to Branch. Merry Xmas TSB!

Link to post
Share on other sites

Tonight's programme was music to my ears, as I'm about to file my claim at court with 2 of the banks.

 

Just as a matter of interest has anyone tried writing to the financial ombudsman and had any success...

Halifax
- Offer of £564 received, 06/11 - sent LBA and Refusal of Offer
12/2006
Sent Complaint to FOS /
Abbey
- 15/10 - Received letter - refusal of payment - , 31/10 - LBA Letter sent,
12/2006
Sent Complaint to FOS, Offer Rec'd 14/02/07 for £4100 /
GMAC - RFC Ltd-
31/10 - S.A.R - (Subject Access Request) /
GE Capital Bank (Arcadia) - Debenhams -
31/10 - S.A.R - (Subject Access Request) /
GE Capital Bank (Arcadia) - Dorothy Perkins-
31/10 - S.A.R - (Subject Access Request) /
Kensington Mortgage Co-
31/10 - S.A.R - (Subject Access Request)
Chiggins

Link to post
Share on other sites

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

Link to post
Share on other sites

hey sp00ky, I was intruiged by the bit about the ombudsman too. Am I right in saying that on the prog it said that the omnudsman was advising backs to refund all the charges. I haven't submitted any complaints while doing my claims - should I be doing this and would it speed things up a bit if I did?

 

Good program though. I'm sure it will prompt a few more to join in. I've been trying to get the rest of my family to do it for ages!

Link to post
Share on other sites

Hi, Skyap

Yes, you did hear the Ombudsman right. Read all about it here (Financial Ombudsman News).

Someone has been putting stiffening gel in his backbone - which I am delighted about. For too long, the FOS has been teh banks' poodle.

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

Link to post
Share on other sites

Anything like this is great to see on TV, the more the merrier!. I can't wait for the day when one goes into greater detail though - its so frustrating. For example, the Abbey was easy offering 2/3 and the Halifax was a pain in the bum - thats not the reality of it!. No mention of the interest charged on our errant ways.... In fact not a mention of alot of things... or am I asking for too much?

Link to post
Share on other sites

Great TV Just loved the look on the banks mouthpiece You could tell she didn't believe one word of what she was saying.

 

The OFT peed me off jumping on the bank wagon. Sounding fierce for the cameras & acting like he was actually doing something when we all know he isn't by a longway.

 

Impressed with Financial Ombudsman. He's not prepared to take anymore crap from the banks & is going to take them to court if they don't sort it at 1st request rather than forcing consumers to go his or the legal route

Link to post
Share on other sites

More specifics on the panel they appoints to look into bank charges:

 

BBC NEWS | Business | The Money Programme bank commission

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

Link to post
Share on other sites

Guest ian cognito

And well done to those Caggers, particularly Vamps, who were shown at the protest.

 

I also think CAG had the best of the free advertising, name shown several times whilst most of the others just had bits of their websites shown.

 

The programme seemed to cover just about everything the banks have thrown in up to now, I loved the estimated £2 and £4.5 costs - take note OFT.

Link to post
Share on other sites

Which one was Vamps? And who were those other strange people?:D

W

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

Link to post
Share on other sites

Guest ian cognito

Vamps was the one in the cloak and she was surrounded by Caggers, most of the others shown were from two other websites.

Link to post
Share on other sites

And well done to those Caggers, particularly Vamps, who were shown at the protest.

 

I also think CAG had the best of the free advertising, name shown several times whilst most of the others just had bits of their websites shown.

 

The programme seemed to cover just about everything the banks have thrown in up to now, I loved the estimated £2 and £4.5 costs - take note OFT.

 

Yes but some of the charges quoted such as bouncing a cheque costing £4.50 referred to the additional cost of a letter telling you they had bounced a check. They haven't sent out letters for ages as they include that advice in their T's & C's to (wait for it) save on costs

Link to post
Share on other sites

In honour of the festive seson, I let out a resounding 'booooooooo' when the woman from the British Banker's Assocation came on. "Service fee"????? Service my backside. It is not a service to be the subject of an 'unlawful' act. The brass neck of these people gets right under my skin, and every Xmas card I'm writing at the moment has the CAG stickers on the back to make sure everyone at least knows where the website is. That's the best Xmas present I can think of giving some people.

 

I hope that the people I work with now have the confidence to feel that reclaiming bank charges is not just something that I have been banging on about in my own eccentric way. This isn't a one man show, but it is perfectly justifiable in law to challenge the banks over this unlawful practice. I hope I get asked lots of quesions today about this. Well done to the BBC. It should hopefully give people the confidence and awareness to have a better 2007 by challenging their banks over this.

 

From my point of view, I've still got 2 accounts that I'm going to chase up right now. I have passed details of this website onto someone else who successfully got just under £5K back from the Halifax (before I got mine :mad: ) and have turned into a recharges bore.

 

Maybe from now on, people will start to listen and see the opportunities there.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

Link to post
Share on other sites

The program was excellent, and like others wish it had gone out on BBC1.

 

Anything to raise awareness (not just for CAG) but the whole charging regime is great news.

 

What I found interesting though is how the program referred to the charges as "illegal" and not just unlawful.

 

I tried posting last night after the program ended but all I got was a "database error page". Hopefully lots more people joining the CAG.

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...