Channel Islanders & Isle of Man (merged threads)

SebD

pin wrote:

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

And a loaf is nearly £2 and a beer nearly £3 and a single bedsit is £100 to £150 per week. And a 1 bed flat £200k and a 3bed house £400k+ and no "Dole" money and a minimum charge of £28 to see your doctor (even if only to obtain a repeat prescription) and GP call out charges that are so high that if your child is ill many have to decide whether to call out the doc or eat for the next couple of days (cuz they can't do both) and no free dental service and I could go on and on and on........:lipsrseal

Wish I could get off this darned roundabout (or that our - that is, the Jersey - Government would provide its people with a swing or two)!:mad:

Beautiful beaches and mild weather and stunning views (none of which are edible, unfortunately).

"Other man's grass" syndrome.:rotfl:

pin

SebD wrote:

And a loaf is nearly £2 and a beer nearly £3 and a single bedsit is £100 to £150 per week. And a 1 bed flat £200k and a 3bed house £400k+ and no "Dole" money and a minimum charge of £28 to see your doctor (even if only to obtain a repeat prescription) and GP call out charges that are so high that if your child is ill many have to decide whether to call out the doc or eat for the next couple of days (cuz they can't do both) and no free dental service and I could go on and on and on........:lipsrseal

Wish I could get off this darned roundabout (or that our - that is, the Jersey - Government would provide its people with a swing or two)!:mad:

Beautiful beaches and mild weather and stunning views (none of which are edible, unfortunately).

"Other man's grass" syndrome.:rotfl:

Hey, you are singing to the converted.

I know all about how Jersey works and esp coming over as an unquali, which really was a pain.

You pay's low taxes, meaning you have to pay for services that would otherwise be free in the UK (because of the high taxes there).

As for the cost of food and booze, yes, high, bu tremember many things have to be imporeted in.

And the things that are not, there is no competition, therefore monopoly organisations, which can charge as they please.

But then again, low taxes.

kazimojo69

I live in the Isle of Man - so have to have an offshore account. I have just had a row with Barclays about a £30 charge they have taken for being £2 over my overdraft!!!!

They reckon because they are offshore I cant claim my charges back???!! Is this true????

ray_deeo

Hi,

Have been very intrigued by all the goings on of these claims and it got me thinking - can i claim for an account i used to have when i lived in Jersey with Barclays? Or do this only apply to banks in mainland UK?

The account is now closed (by them) even though it was only over my overdraft by a few tens of pounds not hundreds!

any ideas?

ray

Edinburghlass_2

Interesting.... as you can see by the previous posts the Channel Islands doesn't come under the English laws so they can't but if you are now living in England/Wales you might be able to.

ray_deeo

(thanks for merging my post) having read all the other posts on this, i remembered that barclays letters all came from the isle of man. so even though the account was set up in jersey, the paperwork all came from the IOM. so here a qestion - where was my account held?!

iomman

I currently live in the Isle of Man and have just been stung again with outrageous bank charges which has spurred me to say enough is enough and attempt to reclaim the money they have taken from me.
The problem is that the Isle of Man is an offshore banking regime and I am un-sure as to whether they are bound by the same legalities as the UK and do the rules in Martin's article still apply?
Am I going to be wasting my time and end up just getting my bank riled at me for no reason?

Edinburghlass_2

Different laws, same as Channel Isles where there seems to be no recourse although maybe one day someone will tell us differently. I'll merge this with the current thread running about the Channel Isles and retitle it.

Threads now merged but I'm sorry there isn't any "good" news for offshore accounts.

pin

Edinburghlass wrote:

Interesting.... as you can see by the previous posts the Channel Islands doesn't come under the English laws so they can't but if you are now living in England/Wales you might be able to.

Hmm, I disagree with that. I think Jersey law would still apply.

Des_Titute

Firstly, just to recap, the relevant piece of legislation used in reclaiming bank charges, Unfair Terms in Consumer Contracts Regulations 1999, has not been extended to Jersey.
I have confirmed this with the local CAB, and they also mentioned that they are unaware of anyone in Jersey being successful in getting excessive charges repaid. It has been for this reason that I have not attempted to reclaim any unfair charges.

However.

The below was published in the local paper last week.

"TWO major high street banks have cleared the way for Islanders to claim back thousands of pounds in penalty charges, the JEP's Fair Play can reveal.
Despite a lack of consumer legislation in Jersey, HSBC and Lloyds TSB have told the consumer campaign team that they will treat Island claimants just like their UK customers. Both said that they would apply UK best-practice standards to Island applications. A spokesman for HSBC said that most claims would be settled in full. That is great news for account holders who have been charged what are increasingly being seen as excessive amounts."

Based on the above report, I will be submitting my charge reclaim letter tomorrow. I will let you know how I get on.