Cap1 & CCA return

[JonCris]

Who did you?

[tamadus]

Who did you?

 

 

I deny any knowledge of it (whatever it is)

 

Speak to you tomorrow Jon I can give you an update then on our last phone conversation

[davefirewalker]

Who did you?

 

Yes "I" did....didnt want my sig for all and sundry to copy

 

thanks

 

Dave

[AnimalMagic]

Got here... 311 pages and finally caught up... Do I get a medal?

[Perseus]

Well done!

[pford]

nice piece in the Indepentent today

 

Now banks are over-charging customers for information about their over-charging

[JonCris]

YEs great but very wrong in one aspect.

 

Under the DPA the banks MUST supply ALL data held no matter how old.

[Perseus]

I would assume that seeing as they had Martin Lewis quotes on there, maybe they've been advised incorrectly?

It was nice that the 'Andy' quoted in the piece re Abbey bailiffs, mentioned the CAG, wouldn't it be great for the CAG to get more exposure - I'm so fed up with Martin ' I like the publicity, and it's so cut and dried' Lewis smothering the issue with over-simplified, consumers walking around with AK47's getting their revenge, look-at-me-I'm-smiling publicity.

just my opinion ...

[JonCris]

Agreed. We need someone to compile the various rights & duties placed upon the money lenders & send it to each of the journalists who are on our side to use as a check list before they make such statements.

 

I'm fed up emailing the Daily Mail without a response each time they make such a mistake. I think the last one was that the OFT had 'capped' charges

[Perseus]

I wonder if the CAG website could officially make a press release to the numerous tabloids/broadsheets to 'clarify and quantify' the reclaim procedures.

It would be wonderful publicity, but more importantly, would set the records straight about what the 'real rules' are, what the legal positions are etc.

There is so much mis-information out there, along with sharks taking upto 40% of the reclaimed amounts that consumers are hoping for... it really would empower people with the right tools for the job - offering the right support, and would get the 'public faces' of this campaign to step down or step back, and re-think their spiel.

[ncf355]

Hi folks,

 

I've got a Defence to one of my CCA related claims through (dont want to go into detail at the mo, MIB and all that)

 

Just looking for a quick piece of advice:

 

They have provided a CCA copy since I failed my claim (claiming they provided on time in their Defence, but I can prove otherwise)

 

When I file the AQ, can I place a reply to the defence, and if so, what form should it take? (as in, I have the content I want to reply with, but is their official statments I need to add?)

 

The document they have sent is flawed (improperly executed) - can I put the details of the errors in a reply to Defence, or do I have to rewrite my POC?

 

Thanks for any help!

[Peterbard]

HI

when you say improperly executed do you mean unienforceable via 127 or enforceable with a court order?

 

Regards

Petr

[ncf355]

Hi Peter,

 

unfortunately the latter - or so I believe

[JonCris]

ncf I'm sorry but your post doesn't make sense. I realize you don't want to give info to the MIB but before I can respond I need to know a little more detail. Perhaps you could PM one of us

[Cornucopia]

Agreed. We need someone to compile the various rights & duties placed upon the money lenders & send it to each of the journalists who are on our side to use as a check list before they make such statements.

 

I'm fed up emailing the Daily Mail without a response each time they make such a mistake. I think the last one was that the OFT had 'capped' charges

 

JonCris, I noticed a howler in the Daily Mail last week, somebody questioned about reclaiming charges on storecards, yes they said, but only before April 2006 when the OFT's ruling came into effect!:o

 

WHAT????

 

No, I didn't get a response to that either!!!

 

Shocking!!

[JonCris]

I also emailed on that one without a response.

 

I know (or think) these people believe they are helping consumers but bearing in mind their readership runs into millions they are spreading a lot of misinformation

[Cornucopia]

I also emailed on that one without a response.

 

I know (or think) these people believe they are helping consumers but bearing in mind their readership runs into millions they are spreading a lot of misinformation

 

It does gall me somewhat, especially when the paper has run a concerted campaign, "Fair Play on Charges", and then goes on to print advice that is completely incorrect. I guess that we have to hope they take note of corrections, however, I doubt very much they would run to correcting in print!

 

Anyway, I digress, apologies for going off-thread!!

[JonCris]

Notice how they have all jumped on the bandwagon claiming it's 'their' campaign that has brought this about when in fact it's due to people like Marc & Dave

[Cornucopia]

Notice how they have all jumped on the bandwagon claiming it's 'their' campaign that has brought this about when in fact it's due to people like Marc & Dave

 

Absolutely!!!!!

[Peterbard]

Absolutely!!!!!

 

Hi

 

A more charitable conclusion was that the idea was gathering support.

OK

Put me on the Bandwagon

 

Regards

Petr

[TideTurner]

There have been many pioneers - people who wouldn't lay down, now it's in the media, the whole thing has been made easier.

 

Respect goes to Marc and Dave and all of those who refused to lay down and confronted the bullies.

 

Also those who continue to do so.

 

We are fighting a big animal, our strength and ability to continue winning will come through helping each other.

 

Together we stand.

 

Tide

[JonCris]

I agree my only gripe is that much misinformation, almost on a weekly basis, is being expounded by our champions in the press & they completely ignore any attempt to correct them.

 

When told they can only claim charges from the point of the OFT announcement means thousands of consumers will believe such nonsense & only claim from that date.

 

It makes you wonder about the propaganda tool of misinformation. Pretend your in one camp when in fact your in another Just a thought from an old cynic

[TideTurner]

So how long have you believed everything that is printed in the media?

 

There are a number of people who have tried to jump on this band wagon, and have gone public, only to get it wrong.

 

They may have exposed themselves to providing wrongful information, and have caused severe losses to those who choose to listen to them.

 

Sad

 

Tide

[Cornucopia]

So how long have you believed everything that is printed in the media?

 

There are a number of people who have tried to jump on this band wagon, and have gone public, only to get it wrong.

 

They may have exposed themselves to providing wrongful information, and have caused severe losses to those who choose to listen to them.

 

Sad

 

Tide

 

Tide, I agree with you, but the fact is that there are many who will agree with what is put in front of them. Only today I had contact with somebody who was adamant that their provider had given them a true copy of the agreement, absolutely adamant, turned out to be an application. The problem is that we are so used to accepting what the "authorities" say to us that when they say jump, we ask "how high" and to be honest, if you haven't got the wherewithal to question things (and many haven't, either through fear or ignorance) you are in for the high jump!

 

I guess what I am trying to say is that I wish the media would report issues correctly, especially in this instance as that one lazy quote in the Daily Mail would have saved the banks millions!!!

 

Regards,

 

Corn x:)

[Perseus]

Without any disrespect, the common layperson reading a newspaper and seing this misinformation, would probably think 'I've been Scr**ed by the bank for so long, I've got an overdraft which I can barely afford, and I read this in the paper - I'd be better off just dealing with it. I haven't got the time or energy to fight the might of the banks...'

Or 'I've heard that they can close your account, demand back your overdraft or loan, or take you to court - I'm not opening myself up for any of that'.

 

It really would take a half page ad to explain the steps, common scenarios, the misinformation usually threatened or received in response from the banks, and the probable outcomes. I think if any newspaper were bold enough to run with that, the banks would feel the pinch overnight. Surely the public outcry would force the OFT/FOS to step in?

 

P