Bank Charges Test Case Article discussion

MSE_Martin

This thread is to discuss the Bank Charges OFT Test Case article and all things to do with the test case.

Please reply to ask a question or discuss.

***** Want to tell your story in a newspaper/on TV? *****

Hi all. We need your help.

Bank Charges is often in the news and we are sometimes asked if we have any MoneySavers that are willing to tell their stories to the press.

If you'd like to help spread the news and encourage others, please e-mail [EMAIL="casestudy@moneysavingexpert.com"]casestudy@moneysavingexpert.com[/EMAIL] (sorry but we can't answer questions at this email address) with as much of the following info as you can:

* what stage of reclaiming are you at - had money back /on hold / not yet claimed
* how much is/was your claim for
* who is/was your bank
* a daytime phone number - we often need to reach people at very short notice
* whether you are happy to appear in the papers,tv or both
* where you live





Further Links:

• Latest News - Bank Charges News
  
• Read the article - How to Reclaim Unfair Bank Charges
• Discuss the issues - Discussion on reclaiming charges
• Success Stories - Thread 1, Thread 2

Many Thanks. We really appreciate anyone that can help us with this. :T

queenofbargains

Martin writes this under the question about reclaiming if you are having current financial difficulties

Although there is no firm definition of what genuine hardship is, it generally applies if you are not able to deal with your debts, for example you have mortgage arrears and lots of credit card debt that you cannot afford to pay back.


Does having a DMP with CCCS fit the criteria ... ??

metalmuttversion2

is there any template that can be used to send to courts, bank in regards to the cases being suspended and causing financial hardship?

gazz1300

my bank made me an offer which I turned down, can I still accept it or will the bank hold off on payment due to the test case

luluspice

We were getting DSS benefits when all our bank charges were applied. We have a payment arrangement with payplan now & are no longer claiming benefits as I am now working full time. Can we still claim back these charges despite the latest developement? We live in Scotland - how does this differ by law?

MJay

What about those cases where the banks paid about 90% as the court date arrived and then the judge allowed a period of time for them to defend against payment of the balance?

themacman_2

Assuming the test case takes a considerable time to determine, the banks have between now and the determination time, ample opportunity to apply further charges to accounts. Is there any way customers affected during this period could argue that they do not intend to repay any charges applied until the determination of the test case they are using to avoid repaying newly charges until the case is determined? (Convoluted - but I'm sure you get my drift)

tostao

you have had this issue taken away from you and the ability of individuals to pursue their claims has been closed down, how long will it take the banks to recover their £500 million.
you need to apply your fighting fund to having the OFT decision reversed,
my prediction is you have been stitched up like a kipper,

stevieparklane

My bank made me an offer in early July that I rejected by making a counter offer to them, since then the OFT has announced their case and I am regretting that decision. Can I change my mind, or will my bank put the case on ice or simply reject it now?

notlaw_3

Could you help out regarding the information needed to put forward this case?:beer:

nickyola

What will happen to the people who had just (ie two day before the test case rule thingy!!!) paid to take their bank to court?!!