Channel Islanders & Isle of Man (merged threads)

pin

First thing, there is no "theory" about Jersey having different laws than the UK. It is NOT part of the UK, therefore Jersey has its own laws from the UK.

Therefore any bank accounts which are operated from Jersey are subject to Jersey law. Jersey law does not have the same sort of consumer protections as the UK, that is clear. Jersey law does look to UK law as a basis, but Jersey law is a different body of law all together.

As a first point of consumer law I always have a look at the Citizen's Advice Bureau in St Helier:

http://www.cab.org.je/submenu_page_view.php?menu_id=44&submenu_id=848

SebD

Thanks Pin.

I know our laws are different. However, my point is that we are "dealing" with a supplier of services that is based in UK (as we would be if a Jersey resident were dealing with, say, DABS or Amazon etc) and migh we not therefore be subject to the law of the land from whence the services originated?

If I were to default on a payment to a Company in the UK, that Company would seek justice through the Jersey Courts, not their own local County Court. Conversely, therefore, would it not be possible for Channel Island residents to seek justice through the relevant UK Court, as we would need to if we paid for goods not supplied from the UK - much as a UK resident would use the Jersey Courts to sue a Jersey Company?

As I said, just a thought, but one that a legal brain might be able to comment on or assist with.

Alfie_E

The big question is: What did it say in the Terms and Conditions you signed up to? They should say something about “governing law”.

Edinburghlass_2

I really don't know the ins and outs of this but if you have a read of this thread about claiming in Scotland it appears that if your bank is based in England those resident in Scotland can actually claim via the English courts rather than the Scottish courts with their lower maximum claim amount.

It certainly might be something worth looking into.

missadams

Does anyone know whether this also covers the offshore branches of major banks (i.e. Lloyds TSB)?

Maz

Hi everyone,

Don't know if this question has been asked before but here goes.

Does anyone know if the reclaiming procedure is applicable to offshore bank accounts?

I said I'd ask the question for a friend who has a bank account on the Isle of Man (where she lives) and has been charged shedloads over the last few years. She was gobsmacked when she found out that you could reclaim!

Reason for edit: tried to change header due to mis spelling! (Didn't work!) Pluuuueeeerse somebody help!

jerseychris57

i live in Jersey, does anybody know if i can claim bank charges back over here.
the laws ect are different here.
at the end of last year i paid £1000 to Positive Financial Services to put apply for bankruptcy through the courts. after sending in my financial details, i was advised this was my best optoin. very quick and simple way of resolving my huge problems.
a friend advised me to look into jersey law through CAB.
it is completly different over here. very hard to be accepted and if you do the viscout/ bailiff continues to check your income / possesions for up to 5 years before closure.
when i contacted by e-mail cancelling and the reason why, i told to phone and sort things out with origanal guy, i never managed to get the phone answered, in the end i gave up.
i contacted all the companys i owed money to, they all accepted reduced payments. which i probably will be paying for the rest of my life, and it cost me a grand.
so you can see why i am hesitant to upset the bank HSBC if it doent apply here.
they are accepting reduced repayments on my credit card (still charging me interest though )
any help would be appreciated, thanks

Edinburghlass_2

Short answer is no because the laws are different. There is a thread about this elsewhere which I'll try and find as the only recourse really is the Financial Ombudsman in Jersey.

Thread found and merged.

pinklake05

Hi
Three weeks ago I sent a letter to reclaim my bankcharges.
I received a fairly speedy reply basically saying 'no' but if we cannot come to an agreed solution I will help you refer your complaint to the FOS.
After reading other threads I would like to know if anyone has managed to claim back bankcharges living in the Channel Islands (Guernsey).
Again it would appear that we are penalised for living here.
Time to move! :mad:

pin

pinklake05 wrote:

Hi
Three weeks ago I sent a letter to reclaim my bankcharges.
I received a fairly speedy reply basically saying 'no' but if we cannot come to an agreed solution I will help you refer your complaint to the FOS.
After reading other threads I would like to know if anyone has managed to claim back bankcharges living in the Channel Islands (Guernsey).
Again it would appear that we are penalised for living here.
Time to move! :mad:

Yes, but the taxes are lower in the CI. Swings and roundabouts really.