Channel island account holders? ref:TSB

[whispersltd]

after searching this fab forum i have not be able to find if channel island account holders can claim back there charges as i have been told they are with in the law with regards to these issues and you cant claim!!! >hope thats wrong

 

can someone please put me straight?

 

many thanks in advance.

[caro]

Ooh tricky one! I know CI law is not necessarily the same as UK. Who told you they were within the law? It wasn't the bank was it? As a suggestion from a non-expert. Why not try a request for info under the Data Protection Act which will cost a tenner. You will either get the info or they will send the tenner back saying DP doesn't apply here. If you get info it will only cost the price of a stamp to put in a request for payment.

 

What have you got to lose? Let us know how you get on cos I'm sure there must be others in CI who would be interested. Good luck:rolleyes:

[whispersltd]

HI CARO

 

no was a friend that told me that as she had contacted CAB and they said did not apply! but i sent off my first letter with a cheque for ten quid and got my stuff through this morning! [only took a week] so am going to procced and see how far i get, wish me luck!

 

debbie

[caro]

Good luck Debbie. Even CAB may have got it wrong as this is such a relatively new initiative, so if you are the first over there they might not be fully aware of what is going on.

 

Fingers crossed:)

[LLOYD0188]

Hi Guys,

 

I live in the UK now, and have just had my final response (3rd and final) letter from Lloyds TSB in Isle of Man, basically giving me the fob off. I'm not to sure how to proceed with courts etc, does anyone know what to do?

[stonedecroze]

It seems to me that if the Bank`s head office is registered in the U.K. then if you chase them there may be a case to answer as most of the laws and regulations will apply. for instance if an offshore business trades with U.K. customers they are liable to VAT for goods and services that they supply to U.K. customers, although they are registered offshore. I also think that the chances are better if you are living in the U.K. as you will be able to proceed through your local county court, I can only add to this that if you live in Guernsey, that I think that you will have little or no chance through their court system as the person who will hear your case is a government employee, and he is not going to upset the banking industry!!!

These are just my private opinions and have no legal grounding, but it is worth some-one having a go to see what happens. If i can find my details from 10 years ago I am going to give it a try, but don`t hold your breath:D

[LLOYD0188]

Hello!

 

Just a note regarding a point in the last post, which was good information by the way, is that some companies such as play.com, hmv.com are based offshore and do sell goods to uk residents without paying VAT. That is why they are based there, to avoid the tax, thus making prices cheaper... I think I am going to look to take lloyds on, by writing to their uk address, via the uk small claims court. Let u know how it goes, when I manage to do it!! In the meantime, if anybody has any further info, please tell!!

[christinajanep]

i'm goona watch with interest

 

good luck lloyd0188

[stonedecroze]

You may be right about Play.com and Hmv.com but then the customer becoms liable for the VAT and HM Customs and Excise can intercept the mail and collect their dues from said customer:mad: They have far more powers than the police!!!! good luck anyway Lloyd, go get `em

[whispersltd]

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