We need your help folks! Re old T&Cs

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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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I am currently collecting these elsewhere:

 

http://download.yousendit.com/0FF9937F62000467 Halifax 2004

 

http://download.yousendit.com/24E0D36860BB6DDF Barclays 2004

 

http://www.brumjo.pwp.blueyonder.co.uk/ Barclays 1998

 

http://www.brumjo.pwp.blueyonder.co.uk/ Barclays Additions 2001

 

Barclays Additions 2002 in word doc

 

Tanz

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Just found some T&C's for Lloyds TSB. I changed my account recently from a premier account to a basic account, where they sent me a letter with some relevant T&C's.

 

Also on the letter is a section on the Lloyds TSb website on overdraft charges. Lloyds TSB - Rates and Charges this may help.

 

THEY WOULD BE NEW ONES, WHICH ARE REFERRING TO FEES AS SERVICE CHARGES. WE REALLY NEED TO GET COPIES OF OLDER ONES FROM WHEN THEY SPECIFICALLY REFER TO UNAUTHORISED BORROWING AND CHARGES FOR BEING OD.

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Hey crusher,

 

Could we have an update as to what actual T&C's have been provided?

 

Also is there gonna be a section where they can be downloaded if needed by claimants.

 

This would be really useful for members.

 

Share and share alike and all that.

 

P.S still after T&C's for Barclays current account 1993 and HSBC current account 2001.

 

Tanz

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CRUSHER ANY CHANCE OF A RESPONSE TO MY QUESTION ABOVE, SOME TIME THIS YEAR? LOL

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Okay,

I'm thinking that I may apply to revise my POC's.

This is in light of the fact that the Bank, despite several requests have still as yet failed to produce a copy of the original contract.

However, I do actually have several signed agreements that relate to various overdraft facilities agreed on several occasions throughout the period (and I do believe they fit all the criteria required to be considered as contracts, ie; an exchange of agreements in consideration for others by the other party, signed dated and exchanged).

I am thinking that I may ask that the court allows me to amend my POC's to incorporate an amendment to paragraph 2 (which related to my contract in just a singular sense) to also encompass and be widened to include these subsequent contracts.

These agreements do very explicitly state a set overdraft limit that MUST (their words) not be exceeded.

Thus by exceeding or attempting to exceed these limits set, I have clearly broken the terms of the contract.

They do go on to say that charges as published etc are applicable to the account, HOWEVER...

They also state that this limit is INCLUDING any charges, interests and costs.

 

Firstly, any views on this? Sounds like a good plan.

 

Secondly, how do I go about filing such an amendment? N244 form see here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/41901-form-n244-application-notice.html

 

Thirdly, any suggestions for the wording? I would keep it simple and to the point.

 

Regards

 

PM

 

...

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Can crusher or any other mod please answer my question in post #42?

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Tanz, I have sent you a PM can you respond, Thanks

 

Just have.

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Thanks for the response, just reading up now!

If you can think of anything else let me know,

Thanks

DS

 

Will do matey

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Hello there, a newbe here. don't know if you've got this already but in our letter from the woolwich/barclays they said we could get terms and conditions on the following site haven't tried it tho; www.woolwich.co.uk/barclays.co.uk

hope it helps and will have a look in paperwork for any others ( I'm a bit of a horder apparently?!)

 

 

Hi Druids,

 

If you have any could you let me know, I am after some from 1993, Barclays Current Account.

 

The link you provided will just be new ones, the problem is that the banks are changing the T&C's to cloak or veil charges stating they are for a service which means they are allowed to make a profit, ratherr than a penalty which should only cover their losses.

 

Tanz

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I agree that this is a possibility: Part 18 request asking for all the T&Cs that have ever applied to your account.

 

Good call stax.

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I'll ask again.

 

Can we have a list for the T&C's gathered to date.

 

This will show people what there is so far and also allow us to identify what else we need to search for.

 

Not to much to ask is it folks.

 

Tanz

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http://news.bbc.co.uk/media/audio/43000000/rm/_43000907_bank_charges.ram

 

Moneybox link

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Thanks a million Stax68,

 

If only we knew we would need these T&Cs later on. Could anyone please with Halifax T&Cs from 1999.

 

Thanks in advance

 

PM me you email addy I have Halifax Cardcash T&Cs 1999

 

Tanz

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Crusher, still not heard/seen anythin about the list or area. I have sent alan all the info I have been collecting and when it comes to emailing to ask when the area is to be set up or if i cna have a list he has not replied.

 

A tad rude I think, pass on my concerns please. A simple list shouldn't take too long to compile he can pm me it or send it via my email [email protected]

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Bump

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BUMP yet again.

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hi, please can someonr send me a copy of the tems and conditions for Lloyds, i have tried to use the wayback machine but eith no joy, please help as i have to submit my bunddle soon, cheers

 

 

What year?

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can anyone help im not sure when i opened my account with yorkshire bank so i dont know which terms and conditions i need any advice please

 

Phone the bank and ask when the account was opened

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Good news. Any news on the forum for people to download?

 

Tanz

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Photoman,

 

LOL I have had so many I was just about to get you to send them back to me, but remembered I sent you a load.

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Photoman

 

PS: I haven't actually checked the new library we have to see if they are in there. Will do later, and send in if not there.

 

 

What new library?

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What do we need to highlight in the T&C's to bring to the attention of the judge?

 

Things like you must keep your account in credit blah blah blah or else we will charge you silly money.

 

Wording and terms that are showing that they have recently changed the wording to show that they are cloaking or vieling the charges in an attempt to make out they are providing you with a service which you don't want and is not useful.

 

Terms that show liquidated damages etc.

 

Tanz