Reply from Ombudsmen re bank charges

dorien

The Ombudsmen has written to me saying they are not looking into my claim any further due to the Supreme Courts recent decision. they have given me until the 7th January to respond if I have any further information for them to consider. I understand Martin and his team are looking into other ways of reclaiming but these will not be ready until 2nd or 3 week in January. Can anyone give any constructive ideas as to what i should do. Thanks

esmerellda

~Are you suffering with financial difficulty at all ?

~ Which bank are you complaining against?

~ can you post up a copy of your original complaint to the FOS pls ?

dorien

esmerellda wrote: »

~Are you suffering with financial difficulty at all ?

~ Which bank are you complaining against?

~ can you post up a copy of your original complaint to the FOS pls

Complaint against the Abbey, my husband has been on 4 day week for 4 months now, mortgage in arrears and struggling with bills etc.
Cannot post original complaint at the moment

esmerellda

Okay cool thank you.

Are Abbey continuing to charge you on this account ?

dorien

Occassionally, if a d/d comes out before salary goes in, I try to avoid this happening as best i can

Anihilator

You have no case.

Stop making things worse and thinking you do based on a stupid post from Martin.

Time to start working with your bank to improve your situation rather than trying to screw them out of cash.

esmerellda

well done

Okay - we can take it back to the FOS if you want to carry on with the complaint.

The hardship issue will help with recent charges as we can quote BCOBS at them and treating customers in financial difficulty fairly, charges from pre hardship we can have a bash under hardship, but mainly we need to argue to imbalance in the contract.

I'll go through Abbeys T&C's tmw, do you have all your statements from them covering the claim period ? We might need to go through those and find examples of where the imbalance occurs (eg: where transactions have been ordered to maximise income for the bank / where something has gone unpaid but then the charge took you over anyway - that kind of thing)

dorien

anihilator wrote: »

you have no case.

Stop making things worse and thinking you do based on a stupid post from martin.

Time to start working with your bank to improve your situation rather than trying to screw them out of cash.

my cash by the way..not theres..i dont mind being charged for any error i may make, as long as it is proportionate, which is what this whole campaign has been about..
So wind your neck in mate...
If you cant say anything constructive, then dont say anything at all....

Anihilator

A court doesnt agree with you
Neither do OFT or Martin anymore who have all suceeded legally they have lost.

esmerellda

Hey ho. Bye bye.

esmerellda

Dorien - http://www.legalbeagles.info/forums/forumdisplay.php?f=263

Will help you there (((((((hug)))))))).