Where can I get old Terms and Conditions details?

lyn1965

hi
can anybody help with these please ? i am looking for the old terms and conditions from ltsb as anybody got them anywhere or tell where i can get them from please

Skeletor

pete-in-london wrote: »

HSBC changed 'arrears charge' to 'late payment fee' a few years ago for credit card charges, according to my statements.

They also changed their old 'Total charges' to 'notified fees/charges' more recently.

Interesting - maybe the devil is in the details.

Curiously I've noticed that all my charges say "Charge - Unpaid Items (CHQ/DD/SO)" but there are a few which read "Charge - Card Misuse". The Card Misuse ones all appear in the last year and were all refunded on the day that they were charged. I'm concerned that this may strengthen their case as they will claim that these were penalty chagres which have been refunded yet the ones which remain are service charges, thus indicating a difference between penalty charges and service charges.

I'll have to look up the dictionary definition of "charge" as opposed to "fee" and see of that yields any hope. If they can be pedantic about language so can I.

deary65

I can't see the problem here, if you have done business under previous term's & conditions then write and ask for a copy of the same.

Skeletor

deary65 wrote: »

I can't see the problem here, if you have done business under previous term's & conditions then write and ask for a copy of the same.

I'll send the following off to my branch this evening, though I don't expect they'll be in a rush to send me the information, especially as a court case is impending. I suppose at least I can tell the court that I have asked for the information and it won't look good if it isn't supplied.

"Dear Sir/Madam,

Having been a customer of yours for approximately eight years I am disappointed to have entered into a dispute with your litigation department regarding charges applied to my account which I believe to be illegal. I recently received a letter from your solicitors in which I have been asked to explain such charges including why they are illegal. I no longer have any documents giving details of your Terms and Conditions which precede the current document updated in November 2006. I would appreciate it if you could send me all the relevant Terms and Conditions which applied to my Student/Graduate account from December 2000 as the current Terms and Conditions document is irrelevant given that the charges were made some time before its implementation.

I would like to thank you in anticipation for your cooperation in this matter.


Yours faithfully

deary65

Skeletor wrote: »

I'll send the following off to my branch this evening, though I don't expect they'll be in a rush to send me the information, especially as a court case is impending. I suppose at least I can tell the court that I have asked for the information and it won't look good if it isn't supplied.

"Dear Sir/Madam,

Having been a customer of yours for approximately eight years I am disappointed to have entered into a dispute with your litigation department regarding charges applied to my account which I believe to be illegal. I recently received a letter from your solicitors in which I have been asked to explain such charges including why they are illegal. I no longer have any documents giving details of your Terms and Conditions which precede the current document updated in November 2006. I would appreciate it if you could send me all the relevant Terms and Conditions which applied to my Student/Graduate account from December 2000 as the current Terms and Conditions document is irrelevant given that the charges were made some time before its implementation.

I would like to thank you in anticipation for your cooperation in this matter.


Yours faithfully

If there is a court case pending they will have to provide you with the information asked for.

Kurt_Hamster

Skeletor wrote: »

I'll send the following off to my branch this evening, though I don't expect they'll be in a rush to send me the information, especially as a court case is impending. I suppose at least I can tell the court that I have asked for the information and it won't look good if it isn't supplied.

"Dear Sir/Madam,

Having been a customer of yours for approximately eight years I am disappointed to have entered into a dispute with your litigation department regarding charges applied to my account which I believe to be illegal. I recently received a letter from your solicitors in which I have been asked to explain such charges including why they are illegal. I no longer have any documents giving details of your Terms and Conditions which precede the current document updated in November 2006. I would appreciate it if you could send me all the relevant Terms and Conditions which applied to my Student/Graduate account from December 2000 as the current Terms and Conditions document is irrelevant given that the charges were made some time before its implementation.

I would like to thank you in anticipation for your cooperation in this matter.


Yours faithfully

It's a bad move to use the term "illegal" as that denotes a criminal offence has been committed. The preferred term to use is "unlawful" which means that a law has been breached. They are quite separate terms and have quite separate legal meanings.

Kurt_Hamster

I've found an old RBoS Royalties T&C from around 1989 is anyone is interested.

I've created a text searchable PDF that people can download and do what they wish with.

http://www.britcom.org.uk/cag/Royalties_T&C_circa_1989.pdf

CARLXXXH

Skeletor wrote: »

In light of the Lloyds TSB case failure I was thinking that it would be a good idea to have old T&C leaflets from the past few years when the charges I wish to get refunded were originally charged. I no longer have any of this information but I imagine that it will contravene the arguments from the banks claiming that these are service charges and not penalties.

I'm claiming against Natwest and I suspect that an old T&Cs document might be a great trump card to play should the case go to court. Needless to say the downloadable pdf on their website was updated in November 2006 and will be pretty hard to fault, though all but one of my charges are from well before this date so the latest T&Cs will not apply on the bulk of my claim.

I haven't tried asking Natwest yet, I was wondering if they legally have to provide me with this information if I ask for it. After all the charges were made under a contract which I would have signed, so should I have a right to see the conditions of this contract and the sebsequent ones which supersede it?

If not, where else could I get this from if anywhere?

http://web.archive.org/web/20021016085822/http://www.halifax.co.uk/bankaccounts/impinfo_charges.shtml#unauthorised


someone check this site out, Its a link to halifax's T&Cs jan 2003, you can also check lloyds etc etc

http://web.archive.org

Stephen_Leak

A thought. If the bank is basing their defence on the fact that the charges are fees as defined in previous T&C's, surely it is they who should be providing them as evidence they are relying on to the court?

dubliner10

With a huge thanks to Livelylad from CAG go to this website - it archives websites for years back I found First Direct T&Cs going back 7 years

http://www.archive.org/web/web.php

Simply enter the website address and you're away:beer: