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We need your help folks! Re old T&Cs

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I am looking for some old T&Cs (terms and conditions) please... does anybody have some hidden in a drawer or old cupboard?

 

Its quite important! :grin:

 

Thanks for your help.

 

Crusher :grin:

 

 

please email whatever you have (preferably pdf) to alan@consumeractiongroup.co.uk

 

 

we now have an address to send your T&Cs...

 

Consumer Action Group

PO Box 7481

Derby

DE1 0LE


 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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Yes I am going to be spending my weekend looking in the Garden shed....the Attic and down the sofa !!!

Ask everyone you know.

Business owners...........we know you dont like to throw stuff away.....maybe amongst your old accounts you have some of these ?????


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Bump!


 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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Bump bump.


 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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quite important????

 

Ive found these for HSBC - personal banking

 

1. Booklet Personal Banking terms & conditions - valid from Dec 2006

 

2. same as above - valid from Oct 2005

 

3. leaflet - changes to od charges and t&cs - valid from nov/dec 2004

 

 

let me know if you need them

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Would it be possible for people to use this in their S.A.R - (Subject Access Request) by inclusion of

I would request that you also include information relating to all the terms and conditions that have been applicable to my account since (date).

 

I could be wrong but, if the bank are relying on the T&C argument, then you as a customer are within your rights to request that information, since it relates to the actual contract at any given point in time.

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Indeed, you are correct.

But we are collecting these as some banks are likely to argue they have to provide data rather than information...

A database of T&Cs should help.

We must try and "cover all bases"


 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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no doubt you have it, but have mailed you HSBC personal banking T & C's off their website, publish date 2006


EH & SH v The Woolwich/Barclays

£3900 (+ £1500 interest)

offered received of £1000 - Rejected

MCOL filed 05/12/06 (messed up)

waiting on court

 

 

CC v HSBC

£3,628.94 FULL & FINAL SETTLEMENT!!! :)

 

BC v HALFIAX

£3841.27 FULL & FINAL SETTLEMENT!!! :)

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I have Nat West Business account T&Cs for 2001 and Cahoot Credit Card and Current A/C T&Cs from 2004 - do you want me to scan them?

 

Steven


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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I have Barclaycard T&Cs dated November 2005.

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Just a thought. I have had a NatWest current account for 32 years and when I opened it they didn't make these charges, they certainly wren't in the T&Cs (not that I have a copy!). If they charge now, aren't THEY in breach of contract?


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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A message to the Mods.

 

I think this thread should be flashed up on the main home pages/ User CP's just like the flashing bit declaring the number of wins?

 

There must be many who have copies of T&C's that can be pooled into a library, but are maybe not even aware of this call for them ?

 

Any chance of doing this?


---------------------------

ARE YOU A BUSINESS CLAIMANT?

CAG NOW HAVE A BUSINESS CLAIMS FORUM !

GO HERE !

 

CAN'T FIND WHAT YOUR LOOKING FOR?

Look here.

Got your old T&C's ?

Visit this thread to help others.

 

-----------------------------

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 !

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thanks photoman for the suggestion

Ill look into it :-D


 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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Oh the wonders of the internet. Check out Internet Archive: Wayback Machine. I've managed to track down various copies of A & L T&Cs and Rates and Charges tables going back to Oct 2001. Interestingly in Apr 06 their T&Cs had a section headed 'The Rates and Charges Information'. The current T&Cs from Apr 07 now shows 'Our Rates and Fees Information'

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im going to go into my branck RBOS and ask them for a copy,

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Interestingly in Apr 06 their T&Cs had a section headed 'The Rates and Charges Information'. The current T&Cs from Apr 07 now shows 'Our Rates and Fees Information'

lol. :-D

 

I have had a look at that site, it's good.

Thanks for mentioning it... if it has a user's TCs then they can get it right away.

I'll post it somewhere prominent.


 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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In the suggested draft directions that we send under the new AQ strategy, doesn't the first item:

 

a) Pursuant to what contractual provision such charge was made, producing a copy of the contractual document relied upon;

 

mean that the bank has to produce a copy of the T&Cs that apply to our account and that applied at the time it was opened? Could we change the wording to make that absolutely clear?

 

This would mean that a repetition of the Lloyds case could only occur if the bank did not fulfil the requirements of the order, in which case they would lose by default anyway, provided of course that the DJ used this order or one like it.

 

Steven


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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I will have a dig through this weekend, im a hoarder usually so hopefully they will be there ;)


***************************************

Feels like a lost little girl x

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Hi All,

Just managed to download IF t & c from 2005 (PDF if anyone is intersted). Had a quick glance thru it, there is no mention of any service costs just fees and charges. Is this a good thing?

I am trying to find the ones for when i opened the account in 2001 to see if they have changed much.

 

John

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Its interesting to note that on RBS statements, any charge has the mnemonic CHG next to it, which, looking at the key means CHARGE.

 

Maybe this is a way of proving that these are in fact charges.

 

What do the actual statements say they are.


 

 

RBS Account 1: Won

RBS Account 2: Won

Capital One: Won

Capital One (Wifes Card): Won

RBS Account 2, round 2: Won

RBS PPI: Won

 

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Hi guys,

 

And the thanks is to livelylad for providing the internet site that archived the pages but the T&Cs for First Direct are here

first direct legals - principal terms and conditions - relates to 2003

 

I managed to get 2001, 02, 03, 04, 05

 

Good luck...

 

And found the (hopefully) magic line........

 

5.1.3 states "You should not exceed any agreed overdraft limit unless you get our agreement first. "

 

Would that be because you would be breaching contract and be subject to a penalty charge if you do Mr. Direct...???


[sIGPIC][/sIGPIC]

 

First Direct - S.A.R - (Subject Access Request) sent 29/12/06

Statements recieved 15/1/07 - >£3000 owed

Prelim sent 16.01.07

Partial offer received 01.02.2007

LBA and letter rejecting paltry offer sent 02.02.2007

MCOL filed mid Feb 07

AQ 26th March

 

 

BoS - S.A.R - (Subject Access Request) sent 29/12/06

Statements received 1.02.2007 - Prelim sent 02.02.2007

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OK, I've got the latest RBS Ts & Cs

 

Section D.1.8

 

If you exceed the overdraft limit, charges will be payable as detailed in the promotional leaflet inserted relating to the account.

 

 

The insert goes on to say:

 

if you borrow more than your agreed overdraft limit, you will be liable for a maintenance charge applied monthly.......

 

 

There is also mention of paid referral charges, but then interestingly, unauthorised transactions becomes a fee, which applys to card misuse.

 

I can post these if you want, if you PM me an address.


 

 

RBS Account 1: Won

RBS Account 2: Won

Capital One: Won

Capital One (Wifes Card): Won

RBS Account 2, round 2: Won

RBS PPI: Won

 

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Great idea folks.

 

Anyone got T&C's from Barclays from around 1993?

 

Also HSBC from around start of 2001?

 

Barclaycard from 1996?

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