Could this be the biggest claim on the site?

[photoman]

Hi Photoman,

If you need transcripts of any of the cases pm me your email and I'll send them as Word documents. I have access to several legal databases, which is very useful.

All the best,

Paul

 

Paul,

THANK YOU VERY MUCH !!!

Tried finding stuff myself but a bit dificult if your not in the proffesion to even find the stuff, and often even when you do, your not allowed access to it.

Anyhow, tried to PM you with my email, but your inbox is full.

I'll post the email I use for CAG purposes here, hopefully it is permitted to do so, otherwise, I'll try to PM you again later.

Anyhow, email for transcripts or directions to them:

 

 

 

Thanks

[mooreda]

goo luck - hope that you get all of your money back

[paulpb123]

I've sent you an email and sorted out my pm box.

[photoman]

Just having a think about all this, and the knock on effects of our actions.

Now, I'm sure that I've seen this bandied around on this site before, and I'm sure some of the Banks have thought it, but I can't believe none of them have implemented it ?

We all open Parachute accounts.

We win our actions, and suddenly we then deposit a very substantial amount in this new account. We then most likely go on to carry on doing Business with our new Bank, having all our monthly incomes go in, and pretty likely switching or getting mortgages, loans, credit cards etc with them.

 

So, a message to all you ghosties peeking in on site.

Do yourselves a favour !!

Be the first to slash or do away with these charges, and watch as customers from all your competitors come flooding your way!

Within a few weeks all these new customers then also deposit large sums of money into these new accounts, and also go on to maintain a long term ultimately more profitable relationship with you.

It's inevitably and imminently going to happen anyway !

Either through legislation, public pressure, or just simply down to one of your competitors doing it first.

Then you'll just be left to fight in the mellee, and end up spending a fortune in advertising, trying to repair a reputation that is in tatters.

Do it now, and grab an enormous sector of the market.

Take the high road NOW, and reap the long term rewards.

[isidore]

Wonderful idea, will anyone catch on? Come one you lot, throw us a bone. Hell! I'm sure BankFodder would even consider letting you advertise on here.....well maybe at a cost

 

 

Sorry, can't suppress my cynicism for the entire post.....who is the relationship profitable for? Us not the banks. If a bank were to wipe their charges clean out, they aren't going to simply do without the regular income that comes from these charges, it's going to be hidden somewhere else instead isn't it?

[photoman]

Wonderful idea, will anyone catch on? Come one you lot, throw us a bone. Hell! I'm sure BankFodder would even consider letting you advertise on here.....well maybe at a cost

 

 

Sorry, can't suppress my cynicism for the entire post.....who is the relationship profitable for? Us not the banks. If a bank were to wipe their charges clean out, they aren't going to simply do without the regular income that comes from these charges, it's going to be hidden somewhere else instead isn't it?

 

Taff

Can understand your cynicism.

However, what I am saying is, that faced with the prospect of 20-30% of your customers upping stumps and moving elsewhere (and also taking a large chunk of money in the process), I am surprised none of them have wised up yet?

The death bells for charges are already ringing, and it's only a matter of time before they will be forced to adapt anyway.

Faced with this prospect, rather than trying to invent new ways in the future to hide charges to recoup those losses, from a commercial view, surely it would be wiser and simpler to grab a larger market share now?

The opportunity and obvious means to do so is evidently already there for any institution willing to stand up and do so ?

[isidore]

No I totally agree and it is glaringly obvious.

 

I just can't help being cynical - that wasn't intended to discredit your very good idea.

[photoman]

No I totally agree and it is glaringly obvious.

 

I just can't help being cynical - that wasn't intended to discredit your very good idea.

 

No offence taken (being Welsh is punishment enough)

 

I agree that they could just try to find new ways to hide easy profits (eg; additions accounts etc) !! But surely they must also see that given the way these past actions have now come back years later and bitten them on the backside, any "easy money" scams should be avoided in future.

Any Bank brave enough to clean out it's dirty laundry, and try to make only honest profits in the future has a vast hungry market out there ready for the taking.

[elsinore]

 

cyn·i·cal

–adjective

1.

like or characteristic of a cynic; distrusting or disparaging the motives of others.

 

2.

showing contempt for accepted standards of honesty or morality by one's actions, esp. by actions that exploit the scruples of others.

 

3.

bitterly or sneeringly distrustful, contemptuous, or pessimistic.

 

 

T4FF, I think we are definition 1,

The banks qualify for definition 2

I’m sure nobody here is definition 3!

 

As regards your suggestion PM, you are so right. But it’s much too imaginative for any of the existing bunch. What is needed is a new kid on the block. A bank with fresh ideas and attitudes to come in and shake up the whole rotten system. Come on Stelios, what about Easybank?

 

Els

[maxine989]

I said exactly the same thing to my o/h a while back.

 

It will probably happen... it is going to be interesting to see what happens in the future with all this.

 

[isidore]

There is another very valuable benefit from doing this too, the chance to make customers trust you again. Imagine a bank stating they're on "our side" and they understand and they are willing to help you.

 

I've just changed from cynicist to optimist in one post!!!

[Guest bong]

I agree, I think it would be very refreshing to have a bank come clean, offer refunds without putting customers to all this palaver, and start charging based on actual costs. I think they would earn a lot of respect very quickly and secure a large market share in the process. And I'm sure the shareholders would agree.

[LizzyBee]

If you need inspiration PM look here, it has certainly given me a boost.

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/26925-business-account-over-19-a.html

 

 

 

Doing my AQ now for business account with Yorkshire (£13.5K)

 

Good Luck with your claim.

 

Lizzy

[photoman]

If you need inspiration PM look here, it has certainly given me a boost.

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/26925-business-account-over-19-a.html

 

 

 

Doing my AQ now for business account with Yorkshire (£13.5K)

 

Good Luck with your claim.

 

Lizzy

Thanks lizzy

Was already watching your thread !!

WELL DONE !!

Will pay your thread a visit.

[photoman]

Does anyone have downloadable copies of :

 

Unfair Contract Terms Act (UCTA 1977)

 

Sale of Goods and Services Act (SOGA 1982)

 

Can you PM me if so.

 

Thanks

[GaryH]

Aren't they in the statutues library? If not then they should be.

[Guest bong]

they're definitely in the court bundle

[photoman]

I just seem to only be able to find Summaries or references etc, rather than the actual acts.

I will look around a bit and get back to you both.

[photoman]

You may all find this an intersting read posted by Bankfodder.

 

http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/78681-clydesdale-yorkshire-northern-system.html

[photoman]

Just wanted to say this is my 500th post !!

 

mmmmmm........ now let me see,

 

500 posts at an average of 15mins each....

.......thats 125 hours

... at the standard rate of £9.25 an hour

...that's £1156.25

+ 29.85 interest, that's £345.14

.......................giving £1501.39

 

-plus of course...

Electricity at 25p per hour £31.25

about 200 cups of coffee at say 10p each, that's £20

60 glasses of wine at £1 each, .. thats's another £60

65 microwave dinners at £3.99 each, so that's £259.35

A cleaner at £8.25 ph for 20 hours..... another £165

plus of course printing postage and stationary say another £15

 

Total = £2051.99

 

.....this is gonna be an interesting bill for costs !!!

[Guest ian cognito]

Lidl do some very nice wines at £2.99 a bottle, your cleaner is grossly overpaid and you want start going to Iceland for your microwave dinners - £1 each!

[maxine989]

Did.the.curry.turn.out.OK?

 

lol

 

[isidore]

Just wanted to say this is my 500th post !!

 

mmmmmm........ now let me see,

 

500 posts at an average of 15mins each....

.......thats 125 hours

... at the standard rate of £9.25 an hour

...that's £1156.25

+ 29.85 interest, that's £345.14

.......................giving £1501.39

 

-plus of course...

Electricity at 25p per hour £31.25

about 200 cups of coffee at say 10p each, that's £20

60 glasses of wine at £1 each, .. thats's another £60

65 microwave dinners at £3.99 each, so that's £259.35

A cleaner at £8.25 ph for 20 hours..... another £165

plus of course printing postage and stationary say another £15

 

Total = £2051.99

 

.....this is gonna be an interesting bill for costs !!!

If only the banks could do that

[photoman]

okay, Lets see then ?

 

Based on number of posts at an average of 15 mins per post at a rate of £9.25 per hour:

 

Ian Cognito - 1596 = 399 hours = £3690.75

 

Bong - 2218 = 554.5 hrs = £5129.12

 

GaryH - 3386 = 846.5 hrs = £7830.12

 

Bankfodder - 6090 = 1522.5 hrs= £14,083.12 ! ! !

[RedDeath]

Good thing you don't smoke then, the bill would have been astronomical!