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Thread: bank charges?

  1. #1
    Regular Member big rich's Avatar
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    Default bank charges?

    any one claimi theres back?
    well this might intrestyou as insted of wating in the cue (over 1mil people now)
    .....get a form from the bank and they have to deal with you

    i think some very good advice from martin lewis

    http://www.gm.tv/videos/money/35799-...eclaiming.html

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    Regular Member spennny's Avatar
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    My Mrs was charged £105 last week,

    New Direct debits returned - £35 x 2
    1 x Unpaid Check for £7.50 - £35

    She called the halifax and had a few words, all cash refunded

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    Regular Member Ziggy's Avatar
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    Thought it was still on hold at the mo?

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    Regular Member Big Sig's Avatar
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    Even though you don't like me

    This is from an e-mail I was sent from penaltycharges.co.uk

    HOUSE OF LORDS TEST CASE At long last the the house of lords hearing will here the case of the , Office of Fair Trading (Respondents) v Abbey National PLC and others (Appellants) the hearing is listed for Tuesday 23 June –Thursday 25 June. Please note we don’t expect the judgement until the end of August/October. AFTER THE TEST CASE There will be a further legal arguments after the test case, when we win the banks and the FSA will probably argue that consumers are entitled to a proportion of the charges back I.e. the amount that the OFT say is above a fair charge. We will be advising our members to look at claiming the full amount back. Because if the term is unfair, then under the regulations its void. Under section 8 of the UTTCR it states:Effect of unfair term8. - (1) An unfair term in a contract concluded with a consumer by a seller or supplier shall not be binding on the consumer. Therefore the banks will need to prove that there was either an express term or an implied term in the contract, which allows them to claim a fair charge. Clearly there is no such term. Therefore you should claim for the full amount of all charges. Plus cost etc. After this there will be request sand possible legal action in respect of defaults that have been registered on credit reports. We will also be advising members to claim for damages when there is sufficient evidence to prove a direct link between the default and the losses suffered because of that default notice.

    Also loads of info on here

    http://www.consumeractiongroup.co.uk...-forums-center

  5. #5
    Regular Member big rich's Avatar
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    Quote Originally Posted by s_zigmond View Post
    Thought it was still on hold at the mo?
    not if your in hardship m8

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    Regular Member Ziggy's Avatar
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    Quote Originally Posted by big rich View Post
    not if your in hardship m8

    Just read that. Might have to see what they say.

    Will get letter writing.

    I need a stainless exhaust.... sorry to pay off some debts

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    Regular Member big rich's Avatar
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    Quote Originally Posted by s_zigmond View Post
    Just read that. Might have to see what they say.

    Will get letter writing.

    I need a stainless exhaust.... sorry to pay off some debts
    lol im on hardship also, i need my window tints lol

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    Regular Member Big Knox's Avatar
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    Default

    got £3.5k back from HBOS and a default removed from my credit record thanks to www.consumeractiongroup.co.uk
    I issued a court summons against them and they chickened out and paid up hehe

    It's only OVERDRAFT charges that are on hold btw, I think you can still proceed with credit card charges.

    Just been charged £40.95 by RBS for going £1.98 overdrawn. Will be firing a letter their way shortly.

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