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Urgent Info Needed To Confirm A Bank Leak


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Mods ,

 

can you confirm when the oft court case first date is ? I have heard something startling today from a bank manager .

 

geoff

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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bmp:)

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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I heard it was the 14th January 2008.

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Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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I'm certainly no mod but as far as I was aware it was set as the 14th January '08 for the start date of the case?

 

/subscribing now just because I am curious :) Cheers

Prelim sent May '06

LBA sent June '06

Fob off now rec'd to the prelim

Copy of fob off now rec'd as response to LBA!

Full repayment of all charges since 1997 now received.

Account Closed

Donation made :)

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nothing happening the middle to end of september?

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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Hi Finlander

 

Is that 2008?. . We do think there will be an appeal if the banks lose the case.

 

If you feel happier to pass on what you have heard, you can PM a Mod and let them know what you have heard.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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just found the oFT and banks agreement...

 

http://www.oft.gov.uk/shared_oft/press_release_attachments/bankagreement.pdf

 

point 1.5 d... 28th september fits in with the info i found out today....

 

 

Ok... info is that a work friend of mine had a meeting with his a friend who is a manager at lloyds head office the other day. They are old friends. During the meeting the matter of bank charges came up and my friend was told that the middle to end of september lloyds are going conceed that the bank charges are unfair and withdraw from the case. This is because their legal team have warned then that they do not have a leg to stand on and THEY WILL LOSE. He stated that the banking industry has set aside £3.5 billion ready to reimburse customers. Lloyds themselves have a new depart purely to deal with the refunds. my friend was advised (he is owed £2500) to wait until the announcement then send a letter in and his money would then be refunded. The rational behind the request for a test case to the oft was recent judgements against the banks, the judges loss of temper with them and to buy a short breathing space to enable the setting up of the depts to handle rebates...

 

 

IF and I repeat IF this is true...(misinformation is rife) we have won!!!!!!!:eek: :):D

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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*crosses fingers*

 

*and everything else*

 

:eek:

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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IF they conceed that the charges are unlawfull, it will be interesting to see what they are going to consider a fair charge.............and if it's £5 or less they could find themselves swamped with new customers overnight unless the rest of them conceed at the same time.

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Finlander, it would be great if this where true, as if LTSB fold, then the others are sure to follow.

IMHO I think it's dubious at best, unless of course they also announce new "service charges" at the same time.

Be VERY careful whose advice you listen too

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Hi finlander,

I thought that the FSA are reviewing the waiver on Sept 28th?

This will be interesting to watch unfold!

Night Owl

Keep up the fight against Bank Charges.

 

 

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i understand that it seems to good. but bearing in mind their recent announcements of account use charges etc then the replacement of these penalties seems likely as they have tested the water and no outrage has followed. I dont think account charges are as bad as some clever new bank will not charge them and competion will see them drop.. may be this is it..

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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How reliable is your friends information in your oppinion Finlander? If he has got his wires crossed or been fed a line then you ought to have a quiet word:D

Seriously though I hope this information has some truth behind it! About time we had some goos news around here!

 

 

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Wow if that is true finlander, what a relief all round, I am just writing a reply to my MP and the FSA after receiving a letter form the MP (which was rubbish! just passed the buck to the FSA) so maybe we will be able to stop all this soon.

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Very interesting. Would be surprised at the banks conceding early though - the appeals could last for years and 2 years interest on £3.5bn is a lot of cash. Also many of the Banks have some balance sheet management issues at the moment because of all the capital markets turmoil - its not a good time for them to be paying out compensation.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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He seemed convinced... He only got told this when the converstation turned to reclaiming the charges and he mentioned his friend (me) and loads of others were being messed around with this case. I am still opened to all sorts of possibilities but there is the thought that if we are right then they will have to back down in the end... do they want that in court with the full glare of the media and perhaps a difficult ruling from the judge, for example all charges returned whether asked for or not (alot more than £3.5 billion), or on their own terms like this?...

 

Who knows? at the moment Im concentrating on my CCA's from credit cards (all my charges cases have been stayed:evil: ) but I just thought I would mention it as it may fit in if others start hearing the same..

 

:)

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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Thanks for sharing it - fingers crossed. I'm in the same boat as you - several credit card claims on the go at the moment but I'm doing most through the FOS which is painfully slow. Good luck.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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If Lloyds are planning to withdraw then why wait? Surely Lloyds took advice before starting the case. Doesn't quite add up to me. Hope I'm wrong.

 

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:p

 

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MAYBE..BUT WHEN HAS ANYTHING THEY HAVE DONE MADE SENSE!!

 

It's always been about delaying and perhaps this is surrender on their terms... not the oft and the judges.

 

we have always said they have no case !... so what makes us think they ever thought they had one. It sounds so unexpected that it may be true!...

 

I won't hoild by breath but I wont be gob smacked if it does happen either. This way they look generous. Imagine the staement

 

'we at lloyds recognise that some of our charges may have been seen as unfair and todey we agreed to withdraw from the test case and reimburse those customers he feel that the charges on their account may have caused them some hardship..blh blah blah...'

 

three cheers for lloyds ..our heros:-?

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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if all this being true ,then our concern should then turn to THE DATA PROTECTION ACT ,then the way it is written and the way we interprate it it has become a farce,when you consider the ,contracts we have to sign a waiver of our DP ,this i would consider an unfair contract and it is contradictory to the rules of the DPA....

PATRICKQ1

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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This would make perfect sense. One of Lloyds's stated strategys is to cross sell like mad. It hardly works if all that their customers phone up about is bank charges. And you cant sell a life policy to an irate customer. Added to the churn that they must be getting from people closing their accounts and you could see why it would make sense to break from the pack and strike out on their own.

 

I bet they will say that they are voluntarily returning all cahrges over £12 and will not make any new charges. Back up by much PR and new Ad campaign.

A £35 pound bank charge is not a charge for a service. Its theft.

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Seems interesting that the banks need to serve a defence on the 28th September. Does that mean that they will say that they will defend the case or will they need to submit evidence?

 

Could Lloyds be in the conclusion that they simply do not have evidence to support the stance that the charges are legal?;)

 

My own opinion is that the first bank that concedes will be in the best place to clean up in the popularity stakes.

 

Worthwhile contacting LLoyds to push them on this????

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