OFT test case

[JOSH_IOU]

So where is missleading

[alecmac18]

and misleading

[alecmac18]

You know what else is misleading.....the time stamp on CAG posts.

 

Have any mods noticed this?

 

Edit: Err - - scratch that - must be my mistake.

[JOSH_IOU]

MySpace.com - Oystar - UK - Folk / Comedy / Rap - www.myspace.com/oystar

Chief exec avoids Martin Lewis' questions on GMTV

 

 

 

 

Has any one seen this?

[JOSH_IOU]

get in wish I could of done that though. Instead of over the phone.

[Alphageek]

I noticed Ms Knight's position on charges changed between the two videos on Oystar's site.

 

I would not like to be her. I think history has shown that subsequent generations look upon apologists in a bad light.

 

The body language between her and Martin Lewis speaks volumes!

[JOSH_IOU]

If a Politician opens there mouth its a lie.

[JOSH_IOU]

Interesting she says as soon as one goes overdrawn that triggers a credit check.

[Gez]

MySpace.com - Oystar - UK - Folk / Comedy / Rap - www.myspace.com/oystar

Chief exec avoids Martin Lewis' questions on GMTV

Has any one seen this?

 

I saw this on the day, great interview.

 

One thing that results from this interview is that we can now say, without any libel issue that:

Angela Knight doesnt always tell the truth!

 

That interview shows the above statement to be a fact. If there were any doubt, she would have wasted no time in taking action against Martin for calling her a liar on national TV.

Of course this is no news to most of you, but since that interview, it is at last official

[Thailand]

I didn't dare use your word... but I agree Gez!!!

 

So glad to find out of our Ange, that the banks are seeking clarification, which they have seeked all along!!

 

I can't tell you how much I despise this creature!

[Alphageek]

Interesting she says as soon as one goes overdrawn that triggers a credit check.

 

Yes, I'd like to know if she means an internal check or a check with the CRAs.

[Goldlady]

Yes, I'd like to know if she means an internal check or a check with the CRAs.

 

I usually get those done at the doctors. Never had to have one done at the bank .

[alecmac18]

I can think of other words to describe Angela Knight.....but I don't think you're allowed to use them on CAG.

[HSBCrusher]

I can think of other words to describe Angela Knight.....but I don't think you're allowed to use them on CAG.

and I am not so keen about the word gez used either

[Gez]

HSBC, you missed one. I quoted Martin Lewis when he used the same word (several times) on national TV

Pardon me for speaking my mind (and the truth)

[car2403]

HSBC, you missed one. I quoted Martin Lewis when he used the same word (several times) on national TV

Pardon me for speaking my mind (and the truth)

 

Just because he said it doesn't mean it is true.

 

Quoting a libel, misquoted or not, is libel too.

[Gez]

No, I know, I'm not getting in a huff about it, he's perfectly right to edit it. Just highlighting what she said, when she knew it was not the truth. There is no way she wouldn't have known about A&L closing people's accounts in retalliation..

 

Just because he said it doesn't mean it is true.

I don't have such blind faith in Martin Lewis, but in this instance he was 100% spot on.

[mailmannz]

MySpace.com - Oystar - UK - Folk / Comedy / Rap - www.myspace.com/oystar

Chief exec avoids Martin Lewis' questions on GMTV

 

Has any one seen this?

 

What is interesting is that she trotted out the old " the charges are for a service rah rah rah".

 

You know what is really interesting about this? Is the times I have been charged overdraft fees is because the previous month when my account went in to the red was because the banks fees took me in to the red!

 

So, can someone please explain just what service I am being charged for?

 

In my situation...the banks are creating the so called service!

 

Mailman

[Guest vortex]

You could argue, and I suspect the bank may, that the overdraft fee is an "informal request" fee to quote the newly updated T and C's. The Direct Debits being informal requests but not even I could justify the cost in a billion years.

The interview itself mentioned by Jamesrap was prior to the OFT announcing a test case against the banks.

[dave]

I usually get those done at the doctors. Never had to have one done at the bank .

 

I've often felt like I have had that at the bank though, but when I looked down, suprisingly, my trousers were NOT down by my ankles!

[Bookworm]

Trust Dave to lower the tone even further.

[JOSH_IOU]

I don't think dave lowered the tone it was lowered for him.

 

In fact I thank him for commenting.

 

If this female has the nerve to come on TV and say a thing like my previous post she deserves everything she gets. Ex politician or not.

 

So should we now do a cca access request to the credit agency's?

 

Dose any one know the date of that program?

[Son of Shoestring]

IMO, they cannot charge for an account. It breaches the ECHR Act.

 

The Wages Act states that the employee no longer has the choice of how their money is paid. The ECHR Act states that no EC citizen can be forced to buy a third party product or service through local legislation.

 

Thus, every employee is effectively being forced to buy this 'service' from a bank through no choice of their own.

 

I can see another huge campaign coming up.

 

Why should I not have the choice to keep my money in a shoebox without the intervention of a third party, profit making company?

 

How dare any government force me to use substandard services that I have to pay for?

 

It makes no sense, and I can't see any country in the EU getting away with it TBH.

 

I couldn't agree with you more. It s a bloody cheek (at the very minimum) to be forced to purchase sub-standard services that are de facto designed to strip you of your hard earned money.

 

I believe that the underlying reason that this is happening is the governments (among many other sovereign nations) agreement to surreptitiously introduce electronic money and phase out "physical" money. This move has been long in the planning, as I understand it. Governments favour it because it is argued that it will greatly enhance tax revenue by inhibiting the earning of "black money" virtually impossible -- as all electronic money can be tracked and logged in a database. Banks favour it because it places all your money in their hands - a sort of subterranean transfer of ownership to the banks that you, the individual, will henceforward have to pay for to access and use. Commerce favours it because it reduces costs of handling and, in many ways, hands them the keys to your bank account (by use of the variable direct debit system etc).

 

The only group who do not favour it are the ordinary citizens. But since they don't have a meaningful voice anymore, they can be safely ignored.

 

And so they are.

 

Shoestring

[dave]

Absolutely spot on, IMO.

 

It's a downright cheek, and legalised theft in my opinion.

 

It's so very unfair, that it actually makes my stomach hurt. I no longer have any Direct Debits or Standing Orders. No cheque book either.

 

However, I am STILL forced into having a bank account, and because of that, I am restricted to how much of my money I can have in cash in any given day. I cannot get to a bank as I am at work, and yet I cannot draw out from a cashpoint machine the amount I would like.

 

Excuse me for thinking that I earned the money and that it is actually mine to do with as I please.

 

I once asked for the bank to restric the amount of money coming out of my account by week (I was young!!!). They refused and said it wasn't their responsibilty to budget for me (yet, they called themselves 'personal bankers', which I found odd, as they actually did no personal banking for me at all). Yet, despite it being my responsibility, I am not allowed to take responsibilty for the amount I can draw out in one hit.

 

If I wanted to take all of my money out in cash each month, I have to give them notice of me doing it. Can you see that working? I can't. I gave Abbey National 2 weeks notice once of me wanting to draw out a large sum of cash. Do you think they got that right? Yeah, or course they did (note the sarcastic tone).

 

It took a bloody big argument in the bank (with them trying to shuffle me off to another room) before I was 'allowed' to take my own money. Money that I had given them notice that I wanted.

 

Just last year, I had to threaten to barracade myself in a Nationwide branch unless they let my Girlfriend have her money from her account (200 quid) - she hadn't yet received the PIN for her card (in fact she never received it and she had to order another one). She had a picture ID card, a rent book, and bank cards from another bank, and a bank statement from the other bank too. So unless someone broke into my house, who looked just like her and took her bank statements, there was no way she was anyone but the person she said she was.

 

I calmly told them that I would be barracading the door and no-one would be allowed in unless we had the cash in our hands there and then. He threatened to call the police, so I said "go ahead, then we can discuss your theft or at least your preventing access to private funds or property".

 

Strangly, the ID she had on her suddenly seemed enough to prove she was who she said she was.

 

Banks......Arrrggghh!

 

It's about time the OFT actually enforced fair trading instead of just paying lip service to it.

[Justforfun]

Oh but please have a bit of sympathy for the banks

 

BBC NEWS | MARKET DATA

 

:D LMAO