~~## New template POCs available##~~

[zootscoot]

The new template POCs drafted by a QC are now available for the following banks:

 

Abbey

Alliance & Leicester

Barclays

HSBC

Lloyds

Yorkshire

 

Please note these may be subject to changes and updates in the future.

 

POCs for other banks will be available shortly.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

[Fred_Funk]

zootscoot

 

Thanks for this. Is it conceivable you might, as and when you have a moment, provide us with a brief rationale for these new particulars of claim?

 

Speaking as someone who's done a lot of reading and tried to keep abreast of all the issues, it's a little disconcerting to suddenly encounter some new POC.

 

Of course, I don't doubt for one minute that CAG wouldn't be advocating them if they weren't an improvement on what went before. Be that as it may, I'm sure I'm not the only one who would appreciate it if you - or one of your colleagues - could provide us with a brief resume of how they're different and why.

 

Thanks in anticipation

Fred_Funk

[zootscoot]

The new template POCs were produced by a QC in preparation for the recent strike out hearings in Hull.

 

After taking advice following the defeat in Berwick v Lloyds and the subsequent action of the court in Hull threatening to strike out claims we decided that it would be best to have POCs specific to each bank. The old POCs served their purpose and helped many successfully recover their charges, however, we felt that in light of recent events and more and more judges getting pedantic about POCs that a change was needed.

 

These differ from the old POCs in that they include reference to the actual T & Cs of each bank (a reason for the defeat in Berwick) and also they are more in depth and professionally written.

 

The judge in Hull was most impressed with them and commented how they would narrow down the issues of contention making any hearing run more smoothly.

[Fred_Funk]

Thanks. All your endeavours are much appreciated.

 

Can I just clarify, these new POCs have nothing whatsoever to do with yesterday's announcement of a test case - as I had mistakenly assumed - and the timing is mere coincidence?!

 

Thanks again

Fred_Funk

[zootscoot]

We were waiting until we had all the bank templates, but decided to put up what we have just to show that its business as usual and people should still be issuing claims

[GuidoT]

Yes a coincidence, they were being prepared anyway.

[Kevboy_telford]

Thanks zootscoot (and everybody else behind the scenes)

At least my loss can help other people

lets hope this testcase goes well:)

I just hope I can still continue this against the FOS

[zootscoot]

Nice to hear from you Kev

 

So you're the one who's been giving us all sleepless nights

 

I'm sure you'll get your money back one day

 

Don't give up the fight