new template letters

"Since a number of banks have changed their terms and conditions on charges(or fees if you would like me to call them) then a further case is unlikely to reach a goal that the OFT are after. Many cases in court may well be based on charges historically rather than necessarily newer charging structures."

You could take the view that this position was, in itself unreasonable. Effectively saying whatever is done is done (whether fair, right or not) lets worry about the future. But then again I appreciate they are a publically funded body and are limited in what they can achieve.

I agree with the point about Joe Public not having the means if the OFT doesn't, and I am also concerned that, having failed in thier legal challenge whether the OFT has the clout to bring about the positive changes that are so badly needed.

I believe there are several reasons why the Ombudsmen might be a better route (and a couple of pitfalls to avoid).

Firstly every complaint to the FOS costs the bank £3-400 (may be more than this now). This IS NOT a reason to complain, the FOS will take a dim view if you complain just to cost them money.

Secondly the FOS is meant to be used by ordinary folk, you don't have to use proper legal terminology (though if you can I certainly would).

Thirdly there is not cost to the individual and, in light of the costs mentioned above, if the claim is for a relatively small amount the bank may settle rather than let it go to the FOS.

Cons to consider the FOS are human and make mistakes, I once had a case where thier reply suggested they did not understand the DD guarantee.

The FOS can't consider the complaint if its already been to court, not sure of the situation with a stayed claim.

And finally the FOS are impartial, they can and do make the bank pay to settle a claim. However impartiality means if you don't make reference to the correct law or code of practice they won't consider this. They can only work with what is in front of them and can't fill in the gaps for either side.

PS You are correct sir Nationwide, to thier credit, did not change thier T & C's. I don't beleive this makes any difference to claims unfortunately

"Bank Charges Update... We're still working on the new guide, there's a lot to get through and it's taking a little longer than expected, we hope it'll be ready in the next few weeks. Do remember, while we believe some will still be able to reclaim, for most it will be tough, so plan NOT to get the cash. Latest Info: Bank Charges Reclaiming!"


From the bank charges email

Govan Law Centre templates are above in Orc's post which I had missed earlier on.

So we will soon find out whether it is similar or different to the above. Not sure that will help those with 8 week timeframes though

hey guys,
anybody on here who can help?
my original court case was stayed,
and then last month when I sent them the new recent template letters using new arguments, I got this response recently.
Wonder if anybody else has got any responses yet?

what do i do next?