OFT test case

[Michael Browne]

not quite but sometimes I do use my AMIGA. The font makes it easier for me to read.

SDC,

Does it have to be orange? I feel like I've been Tango'ed every time

[JOSH_IOU]

oh ok.

 

Its saying i dong have the neccasary privelages?

[JOSH_IOU]

SDC,

Does it have to be orange? I feel like I've been Tango'ed every time

 

 

I wasn't sure if anyone would take that as a joke lol.

 

I was gona say that.

[Conniff]

dave wrote:

 

That would depend on what you wanted to find our.

This one

 

Excellent idea.

 

Also, we should compile an up-to-date list of bank accounts and their charges - there is a list in here somewhere, but it's out of date - the charges/T&Cs have changed etc...

 

All the time we're still being forced by out own government into buying these 'services', we need a 'real world' banking chart to minimise the sting.

 

Couple that with a list of 'best buy' services that do not require a DD (or at least are not penalised for doing so) and I think we'd have a decent little resource.

 

Any volunteers?

 

I'll happilly format it and put it in the wiki/forum/Excel/PDF etc...

 

I could also put it in a searchable database. You can search for a gas supplier for instance, and narrow the search by penalties for not paying by DD, or payments accepted over bank/PO counters, etc...

[JOSH_IOU]

Can I pass any one this list Via pm?

[dave]

Woooaahhh - slow down hoss!!

 

That info isn't there yet - we're just discussing putting it there [the wiki].

[JOSH_IOU]

[WILKINSS208]

Hi everyone

so how does everyone feel this will go and when will it be over. i have 12 pending cases awaiting for refunds LOL

i have had 7 pay out last year before the test case, wish i had done all then

[JOSH_IOU]

wilkn's have you had your case's stayed?

 

What court are you using because i'm up your way.

[WILKINSS208]

hi

i havent even sent them through to court yet as i know they would be held until test case done and cant really afford to pay out 100s in court fees when dont know whether i would get back

[HONESTKNOB]

I've got 8 claims with the ombudsman, I keep hoping this judge wil see sense and remove the stay around May if the judgement is given out then.

[JOSH_IOU]

there's letters in the forum to help you get the stay removed now.

[HONESTKNOB]

I've been in touch with the Ombudsman and they won't budge while the case is on

[WILKINSS208]

SORRY I AM NEW to this post, where abouts in forum?

[mailmannz]

What are you babbling on about?

I am babbling on about the fact that people should front up and take responsibility for their own actions.

 

Its not the banks fault you are spending money that isnt in your account...although it would only be a 30 second fix by the banks to ensure you cant do that (but then again, there is no money in this for the banks is there!).

 

I simply made the point that if the transaction was allowed to happen, someone or something must have authorised it. I'd love to argue that point to a judge, it is perfect logic.

Again, you will have a hell of a time trying to convince a judge that its not your fault you spent money that isnt in your account. Further, banks will counter that you dont have an agreed over draft already in place, thus making this a case of where you have gone overdrawn because of your own actions (whether the bank allowed that to happen is neither here nor there, just as whether the cat let you kid in in the gonads doesnt make kicking your cat in the gonads right:)).

 

Of course I won't get that opportunity now & I didn't for all the claims I made for myself & for family/friends because the banks & their lawyers were too frightened to face me in front of a judge. So much so that I charged abbey 28.9% APR once & they argued like hell about it in their defence, but when the court date arrived, they backed out & paid it all..

Of course you will never get the chance to test that in court, because as you point out, the banks are scared

 

Mailman

[JOSH_IOU]

SORRY I AM NEW to this post, where abouts in forum?

 

 

 

Hi thats ok.

 

Try your magic pointer around this link.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/115023-application-removal-stay-grounds.html

[car2403]

there's letters in the forum to help you get the stay removed now.

 

If only it were that easy...

[JOSH_IOU]

I am babbling on about the fact that people should front up and take responsibility for their own actions.

 

Its not the banks fault you are spending money that isnt in your account...although it would only be a 30 second fix by the banks to ensure you cant do that (but then again, there is no money in this for the banks is there!).

 

 

Again, you will have a hell of a time trying to convince a judge that its not your fault you spent money that isnt in your account. Further, banks will counter that you dont have an agreed over draft already in place, thus making this a case of where you have gone overdrawn because of your own actions (whether the bank allowed that to happen is neither here nor there, just as whether the cat let you kid in in the gonads doesnt make kicking your cat in the gonads right:)).

 

 

Of course you will never get the chance to test that in court, because as you point out, the banks are scared

 

Mailman

 

 

So who makes the £30 direct debit charge us or the bank?

[JOSH_IOU]

If only it were that easy...

 

 

Never said it was

[car2403]

Never said it was

 

You're right you didn't, but you didn't say it wasn't neither, so - by implication - that post could be misleading to newer members such as this.

[mailmannz]

The thing is they DO refuse to let things go through - Then charge for the priviledge. If they did let things go through & charged extra for THAT priviledge then many would not be complaining - The banks are effectivley charging us for something they DON'T provide

And of course this gets even muddier when the banks create the situation where 2 DD are bounced because the 3rd, and biggest, is applied first, thus taking all the money that would have covered the first 2! Thus earning them two fees instead of one!

 

If only I could run a business like this! I would have retired years ago!

 

Mailman

[JOSH_IOU]

This is also worth a look.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/17065-application-removal-stay.html#post1046820

 

Also worth starting a new thread in your banks forum.

[WILKINSS208]

hi

thank you for all your help I will try for removal.......no need to fight about it guys

[Gez]

I am babbling on about the fact that people should front up and take responsibility for their own actions.

 

I simply made the point that if the transaction was allowed to happen, someone or something must have authorised it. I'd love to argue that point to a judge, it is perfect logic.

 

Its not the banks fault you are spending money that isnt in your account...although it would only be a 30 second fix by the banks to ensure you cant do that (but then again, there is no money in this for the banks is there!).

 

 

Again, you will have a hell of a time trying to convince a judge that its not your fault you spent money that isnt in your account. Further, banks will counter that you dont have an agreed over draft already in place, thus making this a case of where you have gone overdrawn because of your own actions (whether the bank allowed that to happen is neither here nor there, just as whether the cat let you kid in in the gonads doesnt make kicking your cat in the gonads right:)).

 

Wrong. I'm not going to spend much more time answering this, but I will reiterate that I would not be arguing to the judge about who's fault it was, I would be questioning if there could be such a thing as an "unauthorised" overdraft & asking how the transaction could have been paid if it was not authorised. If the bank, or its computer had taken the decision to allow the payment, then they have authorised it. Simple argument.

[butty_a]

Gez i agree, the wife had this very issue with Halifax becuase they use different system it isn't always updated straight away, she had problems getting it back until i went in with her then funnily enough the 'goodwill' came pouring out.

they can stop transactions if they want to they just make more money by allowing them