chubbas dad v reliance & fester

[chubbas dad]

...............bored, and its nearly xmas...............

[chubbas dad]

...............omg there goes xmas, and new year, and eveything.bloody hell.. corruption is rife in this country.i am so going to get an account somewhere else like the post office.sod the banks who needs another leach sucking the life blood out of them.

[chubbas dad]

its very quiet here on the western front.i am waiting for a letter from a & l saying "that is it fat lad, game over".:-|

[chubbas dad]

NEWS RELEASE

Friday 27 November 2009

 

spread the word people.........the fight is still on!!!!!

 

News Update: Ray Cox QC to fight bank charges

 

MoneySavingExpert.com has today arranged for top banking barrister Ray CoxQC to redraft its bank charges template letters, in light of the Supreme Court judgem ent.

 

The site is doing this by engaging Govan Law centre, run by campaigning solicitor Mike Dailly, and it will instruct Mr. Ray Cox QC and Mr Giles Wheeler, both barristers at Fountain Courts Chamber, Temple.

 

Martin Lewis, creator of MoneySavingExpert.com says:

 

"There are millions of people with cases on hold, and the OFT won’t be giving its view until December – meanwhile the banks are already starting to apply to have cases kicked out of court. We hope to put the brakes on this by drafting amended documents which people reclaiming can submit to the court based on the latest ruling.

 

"The Supreme Court itself noted that the question of fairness could still be looked at under the now infamous ‘regulation 5’ of the UTCCR regulations and that's exactly where we will be attacking. It will be interesting to see how the banks react to what we hope will be the Rolls-Royce of template letters – drafted by a QC who has many times lead cases for the banks themselves.

 

"We may even return to a situation of goodwill payments in the interim as they wait to expand their arguments, so as not to risk a precedent setting decision against them.

 

"While we’re under no illusions of the difficulty of the task, and don’t want any reclaimers to bank on getting their money back, this does mean the campaign's back on and the banks need to watch in their rear view mirrors."

 

Solicitor Mike Dailly of Govan law centre comments:

 

“We're delighted to be working with MoneySavingExpert.com on what is perhaps one of the biggest rescue operations in recent UK consumer history.

 

"Rumours of the demise of the unfair bank charges campaign have been greatly exaggerated by the banks. The Supreme Court gave a very clear message that bank charges could still be unfair under regulation 5, and so a brand new right to reclaim will shortly be available to consumers on the authority of no less than the Supreme Court itself".

 

The template letters and legal advice should be available within the next two weeks via www.MoneySavingExpert.com alongside the other free campaigning sites including the Consumer Action Group, Penalty Charges and Legal B eagles - who will be feeding into this process too.

[jansus]

yes on LB they are advising caution until the final draft is finished - unless a hearing is imminent - just hold on a few days - time to re-group.Just remember the court did not say charges were unfair - only that the OFT did not have the power to assess the fairness under the narow remit they used.

[chubbas dad]

come on! come on!...........lets have some action in the fight back department...please

[chubbas dad]

im ready when you are!!!!

[chubbas dad]

you have got to be kidding right?

 

Following the Supreme Court's judgment last month, the OFT has today announced its next steps in securing changes to unarranged overdraft charges and the wider personal current account market.

 

The Supreme Court found that unarranged overdraft charging terms in the contracts considered are not assessable in full under the Unfair Terms in Consumer Contract Regulations 1999 ('UTCCRs').

 

After detailed consideration of the judgment and of the various options available to it, the OFT has concluded that any investigation it were to continue into the fairness of current unarranged overdraft charging terms under the UTCCRs would have a very limited scope and low prospects of success. Given this, it has decided against taking forward such an investigation.

 

The OFT nevertheless continues to have significant concerns about the operation of the market for personal current accounts. Despite some recent and planned improvements by banks, particularly around transparency and customer switching, it believes fundamental changes are still required for the market to work in the best interests of bank customers. Banks earn around a third of their personal current account revenues from unarranged overdraft charges that are difficult to understand, not transparent and not subject to effective consumer control.

 

Full announcement here:-

 

OFT to review newspaper supply code - The Office of Fair Trading

[chubbas dad]

hi,and a happy new year to one and all.i have today ( the 04 jan 2010 ) recieved this letter from a & l giving me 8 weeks to respond from the date of their letter.it is convieniantly dated "DEC 2009" i am assuming they mean the 1st dec 2009 ? if so i have had 5 of my 8 weeks. (clever ) any help before they decide to close my case will be greatly appreciated. once again happy new year (my a**e)

anlgetlostletter.pdf

[charleyfarley]

Hi Chubb.....funnily enough, I've had the identical letter from A&L:mad:

[fergal71]

me too

[Bigmark]

and me

[chubbas dad]

grrrrr a & l are gonna stitch us up methinks.bank fodder where are you when we need you? :-|

[fergal71]

maybe we all need to reply within 8 weeks so they dont close case telling them to keep case open whilst we take advice and prepare court case...

then if we all do same POC's stating they are not proportiante cost like we did at teh beginning see what happens... I am on benefits at the minute and my court fees are free at the minute so I am doing my best to get all my court cases done so if I get the nod and info I am happy to be guinea pig...

[chubbas dad]

yeah good idea, i am going to reply telling them that i intend to persue my case, and am taking more legal advice.im sure as long as we do, they cannot just dissmiss our claims? maybe i will give them 7 days to respond .

[chubbas dad]

....struggling with how to reply to a & l letter!! any ideas how it should be worded .... anyone?

[jansus]

As far as I understand it - this site is still waiting for legal guidance on how to proceed. and they have said wait for a little longer??

[chubbas dad]

i dont mind waiting....i am just concerned about the time scale.as i said, a & l dated their letter "dec 09" if i take that to be, as of the 1st dec o9 my 8 weeks are almost up.....what do i do if that is the case? .

[Bigmark]

Hi Chubba

 

I simply replied to A&L

 

Dear

 

I have concerns your final responce on such important and sensitive issues, failed to include actual dates, or indeed give guidance I had SIX MONTHS from the date of your letter to ask the Financial Ombudsman Service to look into my complaint.

 

I do not consider merely December 2009, appropriate when important time frames are attached to your final response.

 

Please respond with relevant dates, rather than a template letter.

 

Yours faithfully.

 

 

Basically I have responded within the eight weeks A&L stipulated, game on the balls in there court

 

Good luck

[chubbas dad]

nice one mark thanks a lot.i will draught a response tonight and get it off to them soonest.then like you say "the ball is in their court"

[bigyeti]

If they're going to be vague, then interpret it as you see fit. If you received the letter on the 4th Jan, then check the post-mark, it will have been posted just before new year. I'd say a letter posted on 30th Dec would arrive on 4th Jan. Unless they're saving a few pence and they posted it second class on the 29th Dec.

 

Singing: On the 4th day of Christmas A&L sent to me,

A letter that's taking the pee.

[jansus]

I think another angle is that you applied on a financial hardship basis and so far they have offered you no financial assistance. I will check on the other forum I am on what their current recomendations are - I know thwy are working hard on some imminent claims and changing POC.

[chubbas dad]

..............bored!..want my cash, and still want a blade! suppose ill have to keep wanting?

[yourbank]

You want a sheffield united supporter or player??(if you know your football you will get the reference )

[chubbas dad]

not a fan of football sorry.....you lost me there.