Me & minicredit

[Skelly1983]

In regards to all information that has been provided about unfair charges, is incorrect, i received the following from FOS:

 

Please be advised that we cannot deal with complaints about the firm‘s legitimate use of its commercial judgment, also the business cannot be challenged on the grounds that their charges are too high.

 

As you may be aware, the Office of Fair Trading brought an important legal "test case" to establish if it could assess whether the amounts the firms were charging were fair. As part of this legal "test case", the Court was also asked to consider whether these types of charges amounted to "penalties".

 

The Court ruled that the fairness of unauthorised charges could not be challenged on the basis proposed by the Office of Fair Trading.

 

The ombudsman has to take the law into account when we decide cases. This is why the Supreme Court's ruling is very important in our work on bank charges.

So we have considered the Supreme Court's decision – and its implications – very carefully. Our view is that the legal ruling means we will not generally be able to help with cases that involve complaints about unauthorised/unfair charges.

Edited January 14, 2013 by Skelly1983

[dx100uk]

sorry what info on unfair charges?

 

dx