We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Should i continue?
Comments
-
Yet again you exhibit the patience of a saint.Please ignore those people who post on this forum who deliberately try to misinform you. Don't be bullied by them, don't be blamed by them. You know who I mean.
You come here for advice, help and support- thats what I and like minded others will try to do.0 -
I don't think they have said either way have they?natweststaffmember wrote: »Since when did a court say that they were fair?
As you go onto say
or not, hence my previous postnatweststaffmember wrote: »Only a court can decide finally whether a term is unfair,
"Now to trolling as a concept. .... Personally, I've always found it a little sad that people choose to spend such a large proportion of their lives in this way but they do, and we have to deal with it." - MSE Forum Manager 6th July 20100 -
I don't think they have said either way have they?
As you go onto say
or not, hence my previous post
Ultimately a court has never stated that £12.00 is a fair charge, the OFT have not stated it is a fair charge but merely that they would not go to court with an enforcement action. I would add that it is much more difficult to prove that £12 is fair than for the bank charges argument because a late payment is not really producing a service especially if someone is within their credit limit. You are out of your depth on credit card reclaiming, Premier. When we get a case in court that loses in a precedent setting court(your criteria on bank charges) then we will see what the outcome is.0 -
natweststaffmember wrote: »Ultimately a court has never stated that £12.00 is a fair charge,....
Nor have they said it is unfair.
As we have both said
or not, and the OFT won't be doing it for you when the charges are not in excess of £12.Only a court can decide finally whether a term is unfair
Hence my previous post."Now to trolling as a concept. .... Personally, I've always found it a little sad that people choose to spend such a large proportion of their lives in this way but they do, and we have to deal with it." - MSE Forum Manager 6th July 20100 -
Nor have they said it is unfair.
As we have both said
or not, and the OFT won't be doing it for you when the charges are not in excess of £12.
Hence my previous post.
I am going to be pedantic on the last bit. The OFT will never take action on behalf of individual customer's. For example, they won't represent me alone in an action against Smith's bank. They will look at the entire market and where enforcement action is needed will do so on the basis of a detriment to a whole group of consumers. To give the OFT their dues, they did get the actual costs from the major card providers and set a limit based on that. However, the idea of a £12 cap was so that card providers would charge the cost for the breach and in this way provide more competition. As we know with self regulation, it rarely works and doesn't in this instance. Most companies will pay out 100% of any claim where the £12.00 is asked for in spite of their arguments that they did not agree with the report contents.0 -
natweststaffmember wrote: »I am going to be pedantic on the last bit. ....
Quite! :cool:
To refer back to the OFT's press release:...Where credit card default charges are set at more than £12, the OFT will presume that they are unfair, and is likely to challenge the charge unless there are limited, exceptional business factors in play...
It would be most unlikely that a particular individual customer had a different set of charges applied to them compared with the established and published general terms and conditions that applied to all the other customers.natweststaffmember wrote: »...Most companies will pay out 100% of any claim where the £12.00 is asked for in spite of their arguments that they did not agree with the report contents.
If that is a statement of fact, please provide a link.
If it is simply your opinion, fine
. I believe you have been onto MSE Martin about this, but see he hasn't changed the information in his article you disagree with.
I'm more than happy to allow others draw their own conclusions over that too. "Now to trolling as a concept. .... Personally, I've always found it a little sad that people choose to spend such a large proportion of their lives in this way but they do, and we have to deal with it." - MSE Forum Manager 6th July 20100 -
Quite! :cool:
To refer back to the OFT's press release:
It would be most unlikely that a particular individual customer had a different set of charges applied to them compared with the established and published general terms and conditions that applied to all the other customers.
If that is a statement of fact, please provide a link.
You haven't read the successes at the top of the forum?
If it is simply your opinion, fine. I believe you have been onto MSE Martin about this, but see he hasn't changed the information in his article you disagree with.
To be honest, I deal with his site team but I hadn't actually spoken with site team with regards to the £12 charges since most people on here know my reputation on the forums which to be blunt, means I can advise people in a manner that may not be in the same vein as Martin's.If we all just posted advice as Martin might want us to then some people would have let the bank get away with murder. I won't even if others might want to
I'm more than happy to allow others draw their own conclusions over that too.
See above. As I said, I have not spoken to site team re the credit card charges guide. I have on the bank charges guide and the lack of better information on financial hardship. You might have noticed the online links stickie(which was as a result of me asking that it be done). Perhaps when the alcohol has subsided, the World Cup football is over and I have time to do it, I might contact site team but for now, I don't have the time.0 -
natweststaffmember wrote: »... As I said, I have not spoken to site team re the credit card charges guide. ...
No? See Post #2 of this thread by MSE Penelope
https://forums.moneysavingexpert.com/discussion/2490463"Now to trolling as a concept. .... Personally, I've always found it a little sad that people choose to spend such a large proportion of their lives in this way but they do, and we have to deal with it." - MSE Forum Manager 6th July 20100 -
No? See Post #2 of this thread by MSE Penelope
https://forums.moneysavingexpert.com/discussion/2490463
Ermm, NO. I asked the question on the thread which received no response. In fact, I quote the report in full. On previous occasions when I have said I would speak with Site team over a Guide(usually bank charges) that is exactly what I have done. With regards to this one, I didn't say I would speak with site team but I don't agree with the advice that you should accept the difference between what they used to charge and the £12.00 or in the case of Egg £16 limit which the OFT set in April; 2006.
Can I clarify with you, the definition you have of speaking to site team? For me, I do this out of the public eyes via email. If posting on the forum asking the question is your definition of asking site team then, yes, I clearly have done and received no response whatsoever.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.1K Work, Benefits & Business
- 600.8K Mortgages, Homes & Bills
- 177.5K Life & Family
- 258.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards