unauthorised overdraft charges

jambosans

vaporate wrote: »

With FSA losing the court battle with unfair overdraft charges, I doubt that will hold much weight.

That was the Office of Fair Trading, not the Financial Services Authority.

vaporate

jambosans wrote: »

That was the Office of Fair Trading, not the Financial Services Authority.

Same schit lol

Each carry same weight lol.

my_definition

are the fsa open at weekends? understandably im really gutted and not looking forward to this

Hermann

I had a similar situation with nationwide a few years ago ie changed accounts and the DDs were supposed to be moved ... and weren't.

Fees reached over £1000 from a single unpaid DD. They did ultimately admit fault and refund all the charges.

They were supposed to pay the missing interest on a small balance but never did!

Sounds like either Lloyds or A&L are at fault for not completing the DD moves properly.
Perhaps the DD guarantee could also offer some protection?

jambosans

my_definition wrote: »

are the fsa open at weekends?

No. Monday to Friday, 8am to 8pm. See below:-
http://www.moneymadeclear.fsa.gov.uk/about_the_fsa/contact/contact_us.html

my_definition

thanks i will get my oh to phone on monday moring and ill go with him after uni to beg for mercy lol ive looked up the dd guarentee and will try and use this. im just praying we get it reduced a lot cause we really cant afford this

thanks for the advice guys

vaporate

Hermann wrote: »

I had a similar situation with nationwide a few years ago ie changed accounts and the DDs were supposed to be moved ... and weren't.

Fees reached over £1000 from a single unpaid DD. They did ultimately admit fault and refund all the charges.

They were supposed to pay the missing interest on a small balance but never did!

Sounds like either Lloyds or A&L are at fault for not completing the DD moves properly.
Perhaps the DD guarantee could also offer some protection?

Jesus :eek:

Consumerist

vaporate wrote: »

With FSA losing the court battle with unfair overdraft charges, I doubt that will hold much weight.

The [STRIKE]FSA[/STRIKE] OFT lost the general case on a strictly limited point of law.

Individuals can still pursue a case of unfair treatment by a bank. The individual has a right to fair treatment which still falls within the scope of the FSA. In any event, there would be no harm done by asking the FSA if it feels there is a case.

The OP may find some help here.
.

vaporate

Consumerist wrote: »

The FSA lost the general case on a strictly limited point of law.

Individuals can still pursue a case of unfair treatment by a bank. The individual has a right to fair treatment which still falls within the scope of the FSA. In any event, there would be no harm done by asking the FSA if it feels there is a case.

The OP may find some help here.
.

I agree with you. Just, honestly, when it comes to 'screwing the customer', I don't see the bank helping out.

noh

Consumerist wrote: »

The FSA lost the general case on a strictly limited point of law.

Individuals can still pursue a case of unfair treatment by a bank. The individual has a right to fair treatment which still falls within the scope of the FSA. In any event, there would be no harm done by asking the FSA if it feels there is a case.

The OP may find some help here.
.

No.
As already pointed out it was the OFT that lost the court case.

If an individual has complained to their bank and is not satisfied with the outcome they can make a complaint to the FOS .