I have copied and pasted the guys posting..There has to be something in the pipeline that we are not aware of!!!!! Today, 1:01 PM #1 pete0773 vbmenu_register("postmenu_9863869", true); MoneySaving Newbie Join Date: Mar 2008 Post Count: 1 Thanked 0 Times in 0 Posts great success! Result! From the advice and tips from this site I have just had an offer from HBOS for FULL refund (£2500) on my Bank Charges! Used MSE template, sent letter 17/3/08 so just over 2 weeks. Thank you!!

Yup, begs the question, do the banks know something we dont know???? Are they all repaying now because they now they going to have to at a later date?

Yup, this person made a claim just over 2 weeks ago and won the money back £2500 in total from HBOS. I would have thought HBOS would have held off and said they are waiting for judges ruling on the case.

I thought I would update you on a thread I have just read on MSE website. This guy applies for £2500 in bank charges over 2weeks ago from HBOS and they have settled the claim in full. Wonder if that means there is going to be payouts for everyone then espcially as they haven't bothered to argue it or say wait for the judges answers to the test case.

I have to say a very well done to you I thought I was on the home run too once I submitted AQ but then they judge "Stayed" it and have been waiting for what seems like a life time like everyone else But the end is near and with them giving you more than you claimed I am hopefull we are all going to get a good conclusion to our cases and receive our refunds very soon

I wouldn't be surprise one bit if the decision has already been made and that all the relevant people know what is going to come and they are been giving a lengthy amount of time to get their bits and peices together so they are prepared for the "payouts" straightaway or the backlash of it all going wrong. Lets face it, it is too big a case to be given a short space of time to deliver an answer and then have everyone jumping up and down one way or the other so they have to give the relevant people a chance to get their houses in order so to speak! Just my opnion. One thing is for deffinite we are going to be the LAST to know!

Just in case you have some difficulty finding my forum I am pasting the information here for you.. Good Evening all, I thought I would take the trouble of sharing some information with you about what I have spent this past week doing with the "Abbey". As you all know I am claiming my bank charges back through the courts and like the rest of you this has been placed on hold while we wait for the Judge to come back with is decision and findings based on what has been said and given in cout. Anyway, during the process of me claiming back my bank charges which began in March 2007 myself and my husband had a £500 overdraft with Abbey. As everything was on hold and there was nothing we could do we carried on having some money paid into this account to keep the account open and active so we can get our refund when due smoothly. In December 2007 they decided to take away the overdraft leaving us with a £500 debt owed. I argued they could not do this, they argued they could stating it is their money and they want it returned. In the end I spoke to a nice lady in abbey complaints who knew what I was talking about and dealt with everything or so I thought. Come January 2008 the overdraft facility was removed and we was now in debt for £500 and the abbey was singing at the top of their voices to get their money back. I argued you can have your £500 if you repay my £6000. They said No can do, and kept putting the phone down on me when ever I called or spoke to someone. In the end my husband called and they stated they wanted their money back at £100 per month and there was nothing we could do about it so there They began taking their money and we handed in our cards and got cash cards, I warned them if I found out other wise I would be back Sure enough, I did find out different. I stated to the abbey that under section 13.6 of the banking code and under the administration of justice act 1970, thay have breached both of these regulations and have acted unlawful by forcing us to repay a debt when the account is in dispute and has been since March 2007 and has not been resolved satisfactorily by both parties concerned, that they should refund my money immediatley and have my account placed on hold pending the outcome of the test case! It wasn't easy to begin with, they kept tellin to write to "Legal". Turns out Legal are "Ashurst" so I emailed them and quoted the above 2 regulations, they emailed abbey and told them account should be on hold and that no further action should be done on this account nor should the debt be collected. I then had this confirmed and instructed them to return the money they have already taken from my husband and myself for the said debt as the collection was illegal. They informed me that, as the account was now on hold they would have to check all of this out. I informed them to do that, and ended up with a very helpful lady in complaints who informed me that as the money is going to be repaid that meant the debt would increase back to as it was, I said fine do that as you have caused me hardship by forcefully collecting this, as I have to wait for my money Abbey can wait for theirs. It has took a long 48 hours to keep reminding them I was not going to go away and I wanted my money back. Today they have finally agreed to reinstate the overdraft temporaily until the outcome of the test case and reimbursed me £300 with immediate effect!! Not a bad ending to a stressfull week, which begs the question...as I got the refund of monies paid back to me for a debt owed...is there some good news around the corner from the good Judge himself??????? __________________

I believe it would only work if the account is in dispute..I claimed back the money they had forcefully taken off me and had the overdraft temporarily reinstatedlieve it would only work if the account is in dispute..I claimed back the money they had forcefully taken off me and had the overdraft temporarily reinstated pending the outcome of the "test" case. Read my thread and you will see on the last pages what I did to claim back monies they had taken for debt owed and had it overturned.

Hiya Marmite girl. Having read your post I thought I would go to the trouble of pasting onto here what I did recently against the Abbey and won well the first round anyway Good Evening all, I thought I would take the trouble of sharing some information with you about what I have spent this past week doing with the "Abbey". As you all know I am claiming my bank charges back through the courts and like the rest of you this has been placed on hold while we wait for the Judge to come back with is decision and findings based on what has been said and given in cout. Anyway, during the process of me claiming back my bank charges which began in March 2007 myself and my husband had a £500 overdraft with Abbey. As everything was on hold and there was nothing we could do we carried on having some money paid into this account to keep the account open and active so we can get our refund when due smoothly. In December 2007 they decided to take away the overdraft leaving us with a £500 debt owed. I argued they could not do this, they argued they could stating it is their money and they want it returned. In the end I spoke to a nice lady in abbey complaints who knew what I was talking about and dealt with everything or so I thought. Come January 2008 the overdraft facility was removed and we was now in debt for £500 and the abbey was singing at the top of their voices to get their money back. I argued you can have your £500 if you repay my £6000. They said No can do, and kept putting the phone down on me when ever I called or spoke to someone. In the end my husband called and they stated they wanted their money back at £100 per month and there was nothing we could do about it so there They began taking their money and we handed in our cards and got cash cards, I warned them if I found out other wise I would be back Sure enough, I did find out different. I stated to the abbey that under section 13.6 of the banking code and under the administration of justice act 1970, thay have breached both of these regulations and have acted unlawful by forcing us to repay a debt when the account is in dispute and has been since March 2007 and has not been resolved satisfactorily by both parties concerned, that they should refund my money immediatley and have my account placed on hold pending the outcome of the test case! It wasn't easy to begin with, they kept tellin to write to "Legal". Turns out Legal are "Ashurst" so I emailed them and quoted the above 2 regulations, they emailed abbey and told them account should be on hold and that no further action should be done on this account nor should the debt be collected. I then had this confirmed and instructed them to return the money they have already taken from my husband and myself for the said debt as the collection was illegal. They informed me that, as the account was now on hold they would have to check all of this out. I informed them to do that, and ended up with a very helpful lady in complaints who informed me that as the money is going to be repaid that meant the debt would increase back to as it was, I said fine do that as you have caused me hardship by forcefully collecting this, as I have to wait for my money Abbey can wait for theirs. It has took a long 48 hours to keep reminding them I was not going to go away and I wanted my money back. Today they have finally agreed to reinstate the overdraft temporaily until the outcome of the test case and reimbursed me £300 with immediate effect!! Not a bad ending to a stressfull week, which begs the question...as I got the refund of monies paid back to me for a debt owed...is there some good news around the corner from the good Judge himself??????? __________________ I hope this was of some help for you in your argument with Abbey

I dont get how they can justify threatening behaviour and saying we are going to go for your house even though you have a payment plan in place and this has not been breached in any way, but for the hell of causing you more grief than you deserve and just to p*ss you off even more, well we have instructed solicitors to obtain your house from under you and your family so there! Surely to god there must be something or someone we can write to that would heavily penalise people llike these from being allowed to get away with this kind of abuse. I mean you go into a Doctors or hospital and start threatening their staff cos they wont dance to your tune your ass would be i jail and before the courts with a heavy fine to boot. But these companies can cuase as much pressure as they like and get away with it!! Wheres the justice in that??????????

I dont get how they can justify threatening behaviour and saying we are going to go for your house even though you have a payment plan in place and this has not been breached in any way, but for the hell of causing you more grief than you deserve and just to p*ss you off even more, well we have instructed solicitors to obtain your house from under you and your family so there! Surely to god there must be something or someone we can write to that would heavily penalise people llike these from being allowed to get away with this kind of abuse. I mean you go into a Doctors or hospital and start threatening their staff cos they wont dance to your tune your ass would be i jail and before the courts with a heavy fine to boot. But these companies can cuase as much pressure as they like and get away with it!! Wheres the justice in that??????????

Capstone...We have a 2nd charge with them, we received a letter off them this morning stating they were applying to court for our house! I dont know where they get off on this, bt I am seriously thinking of stating, well take me to court and I will have the debt squashed due to unncessary harrassment as payment plan was in place which was offered by yourselves and was more than you wanted and you have the nerve to scream that you want our house!!! I dont think the judge would take too kindly to having his time wasted when there is payment plan in place and it has not been breached and having his time wasted for nothing, do you??????

Capstone...We have a 2nd charge with them, we received a letter off them this morning stating they were applying to court for our house! I dont know where they get off on this, bt I am seriously thinking of stating, well take me to court and I will have the debt squashed due to unncessary harrassment as payment plan was in place which was offered by yourselves and was more than you wanted and you have the nerve to scream that you want our house!!! I dont think the judge would take too kindly to having his time wasted when there is payment plan in place and it has not been breached and having his time wasted for nothing, do you??????

My husband and I have a 2nd charge on our home, we got into difficulty and owe them £600, £100 is charges which we will be claiming back. Anyway at the end of February I contacted them and we made an agreement in which we would pay them £300 per month thats £189 for what we borrowed and the rest coming of arrears. I made the first installment there and then with my DD card and said the next payment would be due 31st March when I next get paid. This was confirmed. They have since wrote a letter stating they are going to take us to court for possession of our home. We have NOT broken the agreement, the next installment is not due yet. I argued with them over the phone and stated this, and also stated what they are doing is illegal as we have an agreement in palce and they confirmed this on their computer system I also confirmed we have a letter also outlining the agreement and this has not been broken so they cannot take our home. They argue they can and have instructed their solicitors to proceed with court action to take our home. Can they do this, even though the agreement in place is what they offered and we accepted and we have not broken this..

My husband and I have a 2nd charge on our home, we got into difficulty and owe them £600, £100 is charges which we will be claiming back. Anyway at the end of February I contacted them and we made an agreement in which we would pay them £300 per month thats £189 for what we borrowed and the rest coming of arrears. I made the first installment there and then with my DD card and said the next payment would be due 31st March when I next get paid. This was confirmed. They have since wrote a letter stating they are going to take us to court for possession of our home. We have NOT broken the agreement, the next installment is not due yet. I argued with them over the phone and stated this, and also stated what they are doing is illegal as we have an agreement in palce and they confirmed this on their computer system I also confirmed we have a letter also outlining the agreement and this has not been broken so they cannot take our home. They argue they can and have instructed their solicitors to proceed with court action to take our home. Can they do this, even though the agreement in place is what they offered and we accepted and we have not broken this..

What can GMAC say or do?????? At the end of the day I have a mortgage and if I dont meet payments I lose my home simple! Nothing much I can do, except to pay what they are asking and hope we come out of the tunnel at the other end..

First off - The Guy was recommended by a boss I used to work for at...Barclays!!!!! Secondly, due our circumstances at the time. we wre heavily in debt..poeple were breathing heavily wanted their monies DCA`s never off the phone etc etc We thought best way out was to buy house were in and get difference to pay off the heaviest creditors.. Anyway, guy came back, knowing that I was sole earner - not a great Inc but enough - 3 Kids to keep under 16 and a husband who had just gone into self employment and not making much money!! Came back with best deal GMCA self cert INT only but said we should have no problems whatso evr remortgaging and getting out deal. Explained once in a mortgage we could come out at any time, it is easier to get a mortgage while you have one than it is when you dont he said. Explained my concerns are that with only my Income reliable, I was worried when payments would go sky high, he said you would make 2 of those and then remortgage, no worries.. We tried to do this, but as we missed a payment it went against us so we had to wait until August 07. Everything was spot on, should have been no problems so I thought!! 3 months later and told we have a deal it is in bag etc and then nothing..by then we were 3 months behind and had catch up all over again. We have been clear on mortgage for 4 months now but behind on 2nd charge, due to this we cannot get a new mortgage deal. We have been advised to get this at least 3 months clear, but best bet is 12 for a better deal. We struggling really bad, what with rising costs, more and more bills..not knowing what we gonna do from one month to next!! our situation has not changed since before we bought property in fact it has got worse we now have more outgoings than incoming!! SInce I found out from FSA website that company who dealt with sorting out mortgage on our behalf was insolvent and then our mortgage went through just one month after that, makes me think that company was acting in their interests and not ours by taking into consideration, our credit was so bad it was unreal, we had debts coming out of ears, and little income to support everything at the time so how the hell was we going to support a mortgage!! Yes at the reduced rate it would work but when that ended 10 months later it would not have been in our interests what so ever!!!!!!

I have sent you a pvt message showing detailed information I found on the FSA website. We have been signed up to GMAC!! Every decent mortgage broker we have spoken to since has said they would not touch them with a barge pole!!!!

As the mortgage sale was more of benefit to them more than us, is there anything we can do with respect to mis selling?

We have tried to remortgage and we have been told no chance, our credit history is shot and has been before we even got a mortgage!!! The guy who sold us the mortgage actually work for the company(broker)and dealt with all paperwork etc I think he knew alright, he left shortly after setting up our mortgage and set up his own business!! I even called and asked him to help re do mortgage and he said he packed it in, as it was getting too much hassel!! Everyone I have spoke to so far ahs said same thing...mortgage broker ( company) was looking after themselves at time, in no way should we have got mortgage on what little income we have and credit file as bad as it is..

We lived in a council house, We toyed with the idea of buying the property and clearing debts, The guy we found worked for a company. He advised us to get all dets, eg how much for house, total debts etc He advised of interest only mortgage, knowing there was little money coming into the home and explained that equity in house would build etc I explained that my concern was when mortgage gets too high could I remortgage without any problems given our circumstances etc at time which would not change for 6 yrs on credit history.. He advised remortgage would not be a problem. once you have one anyone will take you. Have since found out company that dealt with mortgage papers etc was insolvent at time of doing paper work, meaning he may have talked us into what we knew very little about, to what was good for him with him being insolvent at time than what was good for us given our circumstances

To help make myself understood a bit better. this guy worked fora company, he was my broker, adn the company he worked for was at the time of our mortgage going through insolvent..So they sell me a bad deal, making them a mint to help pay their debts...If that makes any sense

I m talking about a broker who acted for the company that was insolvent at the time of dealing with our mortgage..We was thinking of buying a house, namely our house which we live in off the council and got a guy round to do some questions and answers, but given our position at the time over our heads in debt and little income we thought there was no chance of this happening. Anyway this guys says we can get paper work together and see where it leads. SO we allowed the council to give us a quote etc..I was dubious, but was persuaded that the money paying debts will not come back but money in your house is yours and will be there for when you retire.. Anyway, since then we have been over our heads, more bills and not enough income to cover it all etc, trying to remortgage. but no one will touch us given our circumstances, yet we were assured getting a remortgage would not be a problem and yet we have been trying to remortgage since last august.. I havesincefound out through the FSA website that this particular company was insilvent at the time of us doing business with them, leaving me thinking was this guy talking me into something that was more good for their business than us leaving us high and dry..

Can anyone help!!! We were talked into a mortgage as a way of gaining money for later in life and also a way of paying off our debts..we have since found out that the mortgage company that persuaded us to do this was at the time insolvent, and may have been talking us into what was more good for him by way of business than for us given our circumstances. We are now way over our heads and dont what we can do from one month to the next and are incurring late payment fees as well as everything else as well..Does anyone know if there is any avenue we can take re the mortgage companies position at the time of selling us a mortgage that did not benefit us in any way at all.

One valuable lesson I have learned form dealing with WF..Is NEVER to do business with them again no matter what is needed at the time... They are on the same morrals of a back street loan shark only with a legal peice of paper that says "Hi, we are reputable"..I say my a** is more reputable than they will ever be..