Halifax charges -£39

THE_ROCK84

tinalives wrote:

I understand what you're saying, but I'm just pointing out the law, which currently states that banks cannot charge penalties (ie charges which amount to a greater sum that the costs incurred by the bank).

And what about the cost of damaging the banks rep because of unpaided DD and cheques! £30 is easy justified in my opinion.

tinalives

Another example:

I own my own company - if I stated in my terms and conditions that customers would be charged £500 if they made a late payment and therefore breached the terms of contract - do you think that would stand up in court??

No, it wouldn't.

catalonia13

I am very disappointed to see that my request for help has turned into a slanging match with some quite nasty (not too mention factually incorrect) opinions thrown in, that is not the point of this forum as clearly pointed out by Tinalives (thank you Tina!)

It is also evident that some of you are not aware (despite many mentions of it on this Forum) of the large amount of people currently standing up to the Banks (and Credit Card co's) ridiculous charges, so far with 100% success and I don't know of anyone else who could possibly agree with being charged £39 for a computer generated emailed letter, enough said, could we please get back to the point, thank you!

tinalives

THE_ROCK84 wrote:

And what about the cost of damaging the banks rep because of unpaided DD and cheques! £30 is easy justified in my opinion.

Now that's just utter rubbish!

THE_ROCK84

tinalives wrote:

Another example:

I own my own company - if I stated in my terms and conditions that customers would be charged £500 if they made a late payment and therefore breached the terms of contract - do you thing that would stand up in court??

No, it wouldn't.

why not, if you signed it, you agreed to you.

tinalives

THE_ROCK84 wrote:

why not, if you signed it, you agreed to you.

You obviously haven't understood - IT WOULD NOT STAND UP IN A COURT OF LAW!





(otherwise I could be a VERY rich lady by now!!!! - if I were so unscrupulous.)

THE_ROCK84

tinalives wrote:

You obviously haven't understood - IT WOULD NOT STAND UP IN A COURT OF LAW!

THEN DONT SIGN THE CONTRACT AND THEN COMPLAIN!

djohn2002uk

tinalives wrote:

I understand what you're saying, but I'm just pointing out the law, which currently states that banks cannot charge penalties (ie charges which amount to a greater sum that the costs incurred by the bank).

Quite right Tina, THE_ROCK and Fedz seem oblivious to this case even though there have been many references to it in various threads on here.

THE_ROCK84

djohn2002uk wrote:

Quite right Tina, THE_ROCK and Fedz seem oblivious to this case even though there have been many references to it in various threads on here.

I DONT THINK PEOPLE CAN READ "Although Mr Hone filed the claim last month, Abbey failed to submit a defence and the student won by default" he didnt WIN AT ALL. THAT ARTICLE PROVES NOTHING!

tinalives

THE_ROCK84 wrote:

I DONT THINK PEOPLE CAN READ "Although Mr Hone filed the claim last month, Abbey failed to submit a defence and the student won by default" he didnt WIN AT ALL. THAT ARTICLE PROVES NOTHING!

It PROVES that the bank were unwilling/unable to defend their stance!!

Halfwit!!!