Mortgage Product Fees

Dan_Collins_2

dmg24 wrote: »

... and worcester1 has even resorted to namecalling, a sure sign that a person has no idea what they are talking about!

The banks have paid up until now in case the courts set a precedent, and because the amounts that have been paid out voluntarily are so insignificant in the bigger picture of things!

Whilst I have sympathy for those that have financial problems, anyone that gets themself into such a mess as to incur large amounts of bank charges is certainly not smart!

What the @@@@ are you talking about. Find me a lender that has re paid a products fee in or out of court???

dunstonh

Ok, now its getting messy as posts are flitting between arrangement fees and overdraft charges.

worcester1

One liner Noz is back

The OP who started this thread was only enquirying about product/arrangement fees. He was then ridiculed for asking a straight forward question which required a straightforward answer. I simply defended the guy and this lead to this long thread.

After many post we slightly derailed to the whole legality of the other charges including bank account charges.

My arguement has always been through out this thread the need to close such loopholes and to have some clearity on what charges should or should not be applied across the whole banking industry.

Funnily enough I do agree with most the arguement raised here about the charges found in T's & C's and one should not come back years later to try and claim for something that they initially signed for.

Having said that, at this present time, it's not all black and white so people will challenge the legallity of most of these charges and Banks will crave in at times to avoid setting any precedents.

A better system has to be in place to avoid such ambiguity

I throw the towel in - it's been a tough 12 round of boxing match and I am knackered to carry on this debate. When you check my previous replies, you will find that whilst I sympathise with people who claimed or try to claim against these charges. I blame the current system and hopefully at least one case will soon be decided and we will find out the verdict in due course

There will always be someone out there to champion the cause of the consumer whether we like it or not. Because you are either too moral or simply don't believe in reclaiming these charges doesn't mean that Mr Average Joe Public will not try out his luck.

Until then take care of yourselves and each other.

:beer:

pfpf

dunstonh wrote: »

2 years ago I bought a car. I have sold it and bought another one. Can I claim back the price I paid on the first one?

I bought a tv from Currys three years ago. I want to buy another TV now so can I claim back the price I paid on the other one 3 three years ago?

dunstonh. i always find you a very helpful, intelligent and informative person, which is why i am amazed at your questions.

however, i am very pleased that for once, i can answer your questions.

basically the answer to both your questions is - NO you cannot claim your monies back.

hope that helps you out.

dunstonh

ROFL. How about the milkman or window cleaner?

dmg24

Dan_Collins wrote: »

What the @@@@ are you talking about. Find me a lender that has re paid a products fee in or out of court???

Dan,

I was referring to worcester1's post, where he was talking about bank charges (as you will see if you bothered to read the next sentence of my post). I only quoted you in agreement that worcester1 had taken the thread off topic.

I accept your apology! :rolleyes:

Noz

worcester1 wrote: »

One liner Noz is back

Is there something troubling you?

owitemisermusa

This board is fun!

It's just hilarious to see people doing exactly what I love about this country: the right to self-expression and to hold an individual opinion. I pray this right is never taken away!

OP (original poster), you still here? I'm sure you've got your answer; never mind the direction this debate has gone in. Life is made richer by the variety humans bring to it.
And remember, never mind the buzzcocks!

Stay on, you'll learn a lot from this forum!

:A

Dan_Collins_2

dmg24 wrote: »

Dan,

I was referring to worcester1's post, where he was talking about bank charges (as you will see if you bothered to read the next sentence of my post). I only quoted you in agreement that worcester1 had taken the thread off topic.

I accept your apology! :rolleyes:

Non given!!??

You are posting in the wrong thread! Apology accepted :beer:

MarkyMarkD

Dan

I've seen better things in signatures than ! Maybe you ought to check it out.