I received this in my email this afternoon Bank Charges Reclaiming: How to get £1,000s back updated after Supreme Court Ruling... m2ae

Just received this from mse in my email box Bank Charges Reclaiming: How to get £1,000s back updated after Supreme Court Ruling... I have not started to claim YET so the issues of lifting any poc/amending/stay...do not apply to me.But there is some update in relation to this..scroll down I know it's not STRICTLY related to this thread but just thought I 'd bring it to the attention to those of you who ARE reclaiming bank charges...shall put this link on the MAIN thread too. Rgds M2ae

Nice One basa48 I shall read this afternoon rgds m2ae:)

BD; COCONUTS!!!

Taking a parallel test from the context of the criminal law...certain conduct adjudged to be unacceptable is judged through the standard s of 'the reasonable man'...in other words 'the objective bystander' and what would or would not be acceptable through their spectacles... I suppose therefore 'the average consumer' would probably be any person who you would expect to see down your local high street or shopping centre and to posses the level of knowledge one would expect of them to possess in connection with banking issues.Pretty low standard should assume in relation to the CAG who would probably not be labelled as your 'average consumer'. From that analysis it would appear that the threshold before a breach has taken place is pretty low.Or put another way...the protection afforded to the consumer is pretty high in relation to the above legislation..the words likely to cause also includes behaviour that has not actually resulted in any detriment to the consumer and is therefore put in there to deter behaviour that results in the undesirable consequences per se. In other word there does not have to be damage to the consumer for the offence to have been completed.The test is also an OBJECTIVE one But the threshold before a breach had taken place if the 'average consumer' was a cagger would be pretty high The 'average consumer' however is NOT a cagger but probably your ordinary shopper down the high street IMHO. Quite a few years ago in the USA there was a test case that involved the issue of stalking and harassment resulting in fear towards a particular woman.The defence attorney applied the reasonable man test to the level of harassment and stalking that was applied to the woman and stated that according to that test she was exaggerating her fears.She lost. The Appeal went all the way to the Supreme Court whereby the Judges UNANIMOUSLY agreed that the wrong test had been applied. HELD:Whether the actions caused by the man had in fact resulted in fear to the woman should not have been tested through the reasonable MAN test but the reasonable WOMAN. The actions of that man were sufficient to have subjected 'the reasonable woman' to the level of fear that had indeed manifested itself in the particular female defendant. She Won and made history in relation to which test ought be applied to which contextual fact issues M2ae

Crikey...and i thought I was a spring chicken... M;)2ae

Hi Nick20045 who is durkin? Rgds m2ae:?

I understand what your saying guys...thanks I am still keeping my head down on this one. But you're both right the context does tend to suggest it's over If that is the case which I shall investigate further...I shall get my teeth into s.10 DPA 1998 whoich seems to be the next logical step and attempt to repair my friends credit rating Well try anyway...shall let you know how it goes. Rgds M2ae;)

Ha! ha! So now the blade has touched both your shoulder blades? Rgds M2ae:)

thanks 'Kid' rgds m2ae

hi caggers pls let me know if the personal details are still on...i am trying to get to grips with photobucket here is the Lowells Letter as promised rgds m2ae http://i982.photobucket.com/albums/ae302/means2anend/Lowells-NFA.jpg

hope the personal details have been erased...if not pls let me know rgds m2ae http://i982.photobucket.com/albums/ae302/means2anend/Lowells-NFA.jpg

duplication

I have hopefully re-edited the personal details...I was seeing one thing and my fellow caggers were seeing an unedited version...Thanks for your sincere honesty..you know who you are... Here is the lowells link pls let me know if there are unedited details...I am trying to get to grips with photobucket http://i982.photobucket.com/albums/ae302/means2anend/Lowells-NFA.jpg rgds m2ae

pls let me know if personal details are still on...'cos last night i was seeing an erased format on the post but my fellow caggers were seeing an unedited form of my friends personal details and I thank you for your sincere honesty in alerting me to WHAT YOU were seeing Here is the lowells letter... http://i982.photobucket.com/albums/ae302/means2anend/Lowells-NFA.jpg Rgds M2ae

Thanks I've decided to take link down as you advised and shall repost when details properly erased Thnks M2ae

No worries ...but thanks...I made sure his name and address were erased and that her SIGNATURE was erased...as for her printed name..IT is already in the public domain by virtue of her job..It lends authenticity rgds m2ae:-)

Received this Caggers..I did some work on behalf of a friend of mine last June and he passed this on to me just yesterday...Enjoy It was reduced from £4227.87 link to letter will be reposted when proper erasing of personal details done Keep your spirits up it can be done!!! Rgds M2ae:cool:

As promised here is the letter from Lowells it was reduced from £4227.87 Enjoy it will be reposted when proper editing done thanks slick132 Rgds M2ae:cool:

As promised here is that letter from Lowells that I worked upon on behalf of my friend last June....Enjoy link reposted when personal details erased It was reduced from £4227.87 Rgds M2ae:cool:

Hi Caggers I managed to figure out Photobucket and here is that letter from Lowells..Enjoy...it was reduced from £4227.87 link will be reposted when personal details erased Rgds M2ae

Thanking You Lexis I appreciate your help...the letter shall be up by this evening...i'll have to use just the black ink because me epson ink colours are on the minimum and if any one of them goes below that minima then I will not even be able to use the black ink. I gonna go for a shave and shower down the gym.... I look abit like R.Crusoe Kind Rgds M2ae:p

Thanks very much I shall put this up tonight or tomorrow Rgds M2ae:D

If you can demonstrate this then you may have done just enough to discharge the burden and be entitled to claim for backdated JSA...But then you must make sure that any savings do not reach the threshold that disentitle you to that backdated JSA.or from making a claim at all..but no doubt these questions would already have been put to you and it appears from the content of your answers that the only issue is as ERIKAPNP said ''good cause for not claiming''. In other words if you can show and it does seem to show through your documentary evidence that you were being sustained through your earned income from previous work and any savings you had did not amount to the 'relevant amount' then you may be legally entitled to back-claim.Make sure you take absolutely all relevant paperwork with you to the interview otherwise it will be delayed. rgds m2ae

Hi Royal THIS MAY APPLY TO rev.ian's circumstances TOO as per post1427 above I have just received a letter from my friend this afternoon in which I sectioned a 77 in June last year to Lowell's on his behalf.His agreement was in early 1990's similar to your period. Original Creditor Compucredit/Nationwide Original Balance£4227.87 Balance as of 21/01/10 £00.00 Account Closed NO FURTHER ACTION They also said that the problem their client had (Nationwide) was due to archival process...I think that they are going to have real problems reconstituting ''an honest and accurate copy'' which was a requirement in Carey. My next step will be to rectify any damage to his credit rating with a strong letter for removal and correction of outdated information. Pls advise as to how to scan letter in..minus his personal details.It would be nice to keep the morale going as I have mentioned this result on other posts dealing with this subject Rgds M2ae:D:D:D:D:D:D:D