kennythecelt 1 v halifax and BOS 0

[**Tilly**]

consider your self told

[ja-de]

HiYa kenny, nice to see you back from your hols, hope you are feeling ready for action, & noticed all the changes on here, most of us have got more green snotty bits, won our cases, & I've decided to stay on to help out where I can.

[**Tilly**]

have a read

http://www.consumeractiongroup.c o....ew-waiver.html

[MacBoy]

The whole thread's worth a read too guys...

 

Keep well

Mac

[deedee1310]

The whole thread's worth a read too guys...

 

Keep well

Mac

 

Great! Even less sleep for me tonight

 

deedee

[moneyhelp]

The whole thread's worth a read too guys...

 

Keep well

Mac

 

I quoted your letter Mac to my MP

[MacBoy]

Great stuff Money

[kennythecelt]

The whole thread's worth a read too guys...

 

Keep well

Mac

 

Hi Guys, hope all well.

 

You are right and it offers possibilities.

 

Several issues where they can fall down, if the issues are raised.

 

1 Non compliance in providing banking history

2 Treating everyone differently- lack of consistency in approach and response to requests for payment

3 Forcing court route when they will pay- wasting court resources etc

4 Stages of offers- refusal, then % increases

5 Wasting ombudsman time- every case successful

 

etc etc

 

Feel free to add to list.

[kennythecelt]

I have been having some success with statements for various accounts, now got 6 sets from HBOS, still got plenty to go.

 

Managed to get through to

 

Pippa Johnson

DSAR- full formals

Customer Relations

 

01422 336555

 

Quite helpful, in fact, more so than anyone else at HBOS. She seems to understand the systems- banking records and how to source information. (I think Dusary might have come into contact with her, will check.)

 

Might be useful contact for you MacBoy and perhaps others.

[ja-de]

Thank you for the click

[kennythecelt]

I have been spreading it about!!!!!!!!!!!!

 

 

:lol: :lol:

[ja-de]

Thank you for the click. You've cheered me up a bit.

[kennythecelt]

Thanks to destiny of souls for his work and that of others, esp MacBoy in producing a template letter which everyone is encouraged to send to MPs etc re the OFT case.

 

The link is here on first page

 

http://www.consumeractiongroup.co.uk/forum/general/108220-fsa-review-waiver.html

 

The more letters sent, the more that awareness of the unjustness of bank charges will be raised in the run up to the court case.

[kennythecelt]

Thank you for the click. You've cheered me up a bit.

 

Im glad, don't get down. Everyone on here can always help to cheer you up!!

[ja-de]

Thanks boys, you've deffo cheered me up a lot now.

[MacBoy]

You're more than welcome ja-de... kennythefader has gone to bed now..

[ja-de]

Before I forget, My email has been sent to John Battle MP for Leeds West.

I'm also sending one to my MEP. 'cos after the day I've had, I intend to get them B****rds back for causing me so much grief.

[MacBoy]

Great idea ja-de...actually you've got me thinking now...someone should be logging the names of these MPs we're writing to.. perhaps we should consider a thread where we ask people to declare who they've written to? Maybe you or kenny could start that?

[deedee1310]

Great idea ja-de...actually you've got me thinking now...someone should be logging the names of these MPs we're writing to.. perhaps we should consider a thread where we ask people to declare who they've written to? Maybe you or kenny could start that?

 

Bonne idée mon ami!

 

deedee x

[grant123]

Thanks Kenny

 

I'm going to keep myself busy sending a letter to my MP !

 

Thanks for your help.

 

Cheers

[kennythecelt]

4 lots of statements received in the post and a letter, which I will post after this.

 

2 lots of statements, exact same run, for same account. However, I already have 3 copies of statements for that account, so 5 in total and counting. Interestingly, these statements only go back to December 2000. Earlier, they gave me statements going back to 1998 on the account. They are:

 

concealing information

being daft

mad

quite poor at adminisitration and don't know what records they have (haha)

absolutely bxxxxxx awful

not playing the game

on something

 

statements (part) for a closed account, already got (waste of time)

 

Statements for a capital bank loan, part of HBOS. Glad to get these- £345 plus interest.

 

They never learn and due to the fact they have not merged their systems/ procedures and cut back on staff, they are all over the place.

Find the weak spot.

Think David and Goliath, Think Independence Day!!!

[MacBoy]

Oh Kenny, you know I've been there too - it's so frustrating dealing with these people. And while it is extremely tempting to fall into a slanging session because it makes us feel better, we know in our hearts that they are not so stupid.

 

We know in our hearts that these are carefully thought out tactics to obfuscate, confuse and discourage. But don't lose heart, 'cos we're onto 'em!

 

I know I've done it so many times, posted about how idiotic these people are - but the scales have fallen from my eyes now.

 

These temporary teams that have been brought together to handle charging complaints are deliberately managed just well enough to give the impression that they are attempting to fulfil their bosses' obligations under the Data Protection Act; yet just badly enough so you never get what you ask for.

 

We'll get them in the end, though pal

[kennythecelt]

Thanks MacBoy!!

 

See, I'm better already!

 

Just on the phone to them, enquiring about hardship cases!!

[kennythecelt]

Enquired to BoS re hardship case criteria during OFT case as it applies to a lot of people on here.

 

I asked for their definition of what would be considered a hardship case. The reply was not unexpected.

 

Whilst the staff member vaguely remembered being briefed on it, she claimed not to have had a circular or handout that she could quote from. She said that anyone claiming hardship would need to go to court to prove this to allow the bank to process a claim for refund of charges.

 

Only posting what I was told. I will pursue this. I suggest that anyone who thinks they should be dealt with as a hardship case phones and writes to their bank requesting to be considered as a hardship case.

[kennythecelt]

Received update letter from bos re OFT case. Enclosed a form for me to sign re the goodwill payment they made.

 

 

Will try to scan the letter tomorrow so that everyone can read it. We may need a new thread on this. The letter seems similar to that received by others.

 

Interestingly, the 2nd large para says that.......................................

 

"for customers for whom Scotland is the most likely jurisdiction, your right to refer your complaint to the Financial Ombudsman Scheme (sic) will not be affected. The FOS provides a convenient alternative to the courts and is free"

 

Now..................is this true????

 

Why??? Difference between Scotland and England.

 

Comments please.