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Dear All,

 

I've been a little busy of late, but I wanted to write on these forums to say thank you so much for your support. I've not had the opportunity to read every post relating to my case, but from what I've seen so far, there's a lot of support for what I am trying to achieve.

 

So thank you. It has been quite a daunting task, and it has taken a lot of hard work just to get this far, but I'm hoping that in the end all the time and effort will be worth it.

 

I will be posting on these forums in the coming days about my case, my reasons for launching the case, and what I am hoping to achieve.

 

As you can appreciate, I'm not going to be able to discuss the current application, the likely outcome, or any course of action I might take in response.

 

I have not been informed of a date for the judgment in this application, although the Court has informed me that it can take up to 8 weeks (from 22 May 2007). In this case, the judge is likely to take some care in drafting his decision, given the levels of scrutiny to which his judgment will be subjected by the parties, the public, the media, and (potentially) the appeal courts.

 

I will update my website (www.tombrennan.co.uk) and post on these forums once I know anything further.

 

Tom

 

Edit: As an afterthought, please appreciate that I am not in a position to help individuals at this stage. My experience, such as it is, is in planning and environmental law, and I am not a consumer protection specialist. I have learnt a great deal in the past three months about the law involved, but I do not profess to be an expert.

However, I do intend to post some general comments about my understanding of this area of law, and try to give some general guidance about the legal process and some of the legal arguments involved.

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Hi Tom :)

 

Great that you took the time to post in here, I have been following your case with great interest.

 

You are doing a great job, I for one am 100% behind you!

 

Go get 'em Tom!

Regards

 

M/H

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Oooooooh the very delectable Mr. Brennan. We are indeed privilidged.

 

What can I say.................. You are a truly outstanding individual. I applaud you and everything you stand for, i.e. what you are trying to achieve. If I had the knowledge I would have loved to have done something like this myself.

 

I wish you all the very very very best. You truly deserve success. I so wish it for you, so hard. You are a truly special individual.

 

Best luck, wishes, hugs and anything else you might need to keep you on the path.

 

Wendy J Feather

 

Fendy xxxx

NATWEST BANK CLAIM - £16,100.00 WON

ABBEY BANK - £5500.00 WON

CAPITAL ONE VISA - £1800.00 WON

HUBBYS CAPITAL ONE VISA £2012.00 WON

TOTAL WON TO DATE: £25,400

*************************************************:D :D

NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING

ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING

YORKSHIRE BANK - AT SAR STATUS

HALIFAX CREDIT CARD - AT SAR STATUS

PLENTY MORE TO START LATER.

STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.:D :D

 

STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT :confused:DUE TO WHAT LIFE DOES TO YOU. :)

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Mr Brennan you certainly deserve a positive outcome from your case,

I have a lot of admiration and respect for you and for what you are trying hard to achieve,

Regardless of the outcome you have increased the awareness of unlawfull bank charges to a point of frenzy. Well Done.

 

For now.

 

GOOD LUCK!

Long time ago in a galaxy FAR FAR AWAY, there lived an elf who shot banks for a living.........

Now through the power of the internet there is the CONSUMER ACTION GROUP,

 

Watch out they are getting crafty those pesky CRITTERS!

 

Banks will tell you their charges are transparent!

So is the invisible man but that does not mean he is fair or lawful.

 

DONT GIVE UP! FOLLOW THE CAG ADVICE AND RECLAIM YOUR CHARGES.

CAPITAL BANK! YOU ARE NEXT.

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I personally am petrified at the thought of my cases going to court, and happy with the fact that I can hide behind this site.

I have total respect and admiration for you Tom, being prepared to "stand up and be counted" and I wish you the very best of luck, both in this case and professionally.

 

Very best wishes xx

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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Hello and Welcome to you Tom - nice to see you here.

 

I sincerely hope you get a positive outcome to your case I wish you luck with this - you have made a remarkable stand with your case.

My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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Welcome Tom a true warrior. Good luck and i am sure you have the whole of the CAG site behind you.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Just wanted to join the welcoming commitee.

 

Out with the streamers and balloons.

 

.... champers to follow soon !!!

 

Pm

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Hi Tom

 

Welcome. I think whatever the outcome we here & on other sites will consider you to be a true friend & advocate of the put upon & ripped off consumer

 

Anyway good luck! for us all

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Welcome!

 

I very much look forward to your updates. My case is in the same court as yours. I'm just waiting for a trial date and have been told it's like to be in a few weeks - so who knows we might even bump into one another in Park Crescent!

 

All the best!!

If I've helped, please tick the scales at the bottom left of this message!

 

17th Sept: Found this site! :)

 

Lloyds TSB

 

22 Sept: Subject Access Req.

3 Nov: statements arrived. Charges calulated at:

A/c 1 - £2,178.01 + int of £1,206.54 (18.4% authorised)

A/c 2 - £206.11 + int of £211.07 (18.4%)

7 Nov - prelim.

3 Dec - LBA

13 Dec - £750 offered

23 Dec - £750 credited

28 Dec - rejection letter

2 March - issued

16 April - complained at court failure to forward defence

 

Halifax

 

22nd September: Subject Access Request.

4th November: No reply so LBA giving 7 days.

 

Cap One

 

22nd September: Subject Access Req.

5th October: Letter saying no record of account!

15th October: Replied telling them to try harder...

22nd October: Subject Access Req acknowledged.

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Tom, I believe Natwest have just settled another big one,

 

BBC NEWS | Business | Couple recover £25,000 from bank

 

£25000 of charges...citing it was uneconimical to continue

Long time ago in a galaxy FAR FAR AWAY, there lived an elf who shot banks for a living.........

Now through the power of the internet there is the CONSUMER ACTION GROUP,

 

Watch out they are getting crafty those pesky CRITTERS!

 

Banks will tell you their charges are transparent!

So is the invisible man but that does not mean he is fair or lawful.

 

DONT GIVE UP! FOLLOW THE CAG ADVICE AND RECLAIM YOUR CHARGES.

CAPITAL BANK! YOU ARE NEXT.

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Tom thats me .If you wish to use this claim for any reason please do. Good luck.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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