Why dont we just all boycott the banks in the test case

mharwood

Having just got a letter from Halifax about the court case and that they have been given the right to appeal regarding the unfair terms and condition ruling I've just got so pi**** of with how the banks involved in this case are so self righteous !!!!!!, like they have not been doing anything wrong for all these years.
I have decided to take action myself but for my plan to work it requires that everybody does it. Its quite simple really all we have to do in send a letter to the bank telling them to stop the court action and pay back what it owed or we will take your business elsewhere and boycott their bank. There are banks that are not involved in this court case and were paying back customer until the stay was put in place.

My girlfriend is owed £2000 from Halifax who I know is part of this test case as they are part of HSBO as are the bank of Scotland, I however am with Natwest and I got back £6200 from them before the test case started I do not think they are not involved in the test case and paid back my money in a prompt manner I haven’t been charged since. So I'm going to get my girlfriend to move her account to Natwest, just me doing it will not achieve very much however however I'm doing it out of principle if everybody was to do this to the banks involved in the case and state this as a reason for leaving the bank, I'm pretty sure that the banks would panic in a big way especially in the present financial climate.

Pass this Idea onto everbody via email and ask them to change to banks not involed in the case the banks involved are the following Barclays, HSBC, Lloyds TSB, the Royal Bank of Scotland, HBOS, Abbey, Clydesdale and Nationwide if we move to other banks watch the banks really start to panic as most of these banks are in poo with the currant houseing market there really isnt a better time to strike.

regards

matt

Alikay

Boycotting all those doesn't leave a lot of choice of alternatives, especially if you live in a small town or rural area!

I don't like the techniques most banks use, but I'm afraid it would cost me more to use, say Co-op bank as I'd have to go into the city centre to use a branch. Barclays has a branch nearby and TBH, they've never hit me with any charges (have always been strict with overdraft etc though). 25 years ago I had a bad experience with a particularly sadistic TSB assistant manager and have never used them or any of their services/products again!

I'm afraid with most people, any boycotting of businesses tends to be based on their own negative experiences, or those close to them. And taking your business elsewhere is much easier if you are in credit rather than owing money.

Well done with your case though, and I hope your girlfriend is successful with hers.

noh

Natwest are part of the RBS group so, if you think it will do any good, you will need to move your account too.
http://www.natwest.com/global/about-us.ashx?channel=personal

mharwood

Ok maybe boycotting all of the banks will not work but hitting the biggest will, say boycotting HSBO if they were put under pressure to dropout and did they would all drop out, Alikay not to be funny but what you stated is why this country is such a c*** place to live, nobody actually has a backbone anymore you all !!!!! and whine about charges, taxes, gang culture, MEP and MP’s essentially committing perjury, but in the same sentence cant be bothered to actually do something about it because in the short term may be a bit more of a pain.

Tozer

It will make no difference at all. And it is a "test case" therefore the banks that are running the test case are actually doing everyone the favour to get clarity as to the position.

CLAPTON

surely the test case banks are the (relatively ) good guys? the rest were charging high charges and interest and playing hard ball just like these but refused to take the case to court to resolve the matter one way or the other... whyever reward them?

mharwood

You really think the banks doing the test case are the good guys are they LOL, I'm really not sure which articles you have been reading about regarding the test case but everything points to the fact the banks will pay nothing until they are made too, either by the courts or the consumers.

And even then will it even happen with the crappy OFT running things the first part of the court case the OFT did appallingly there was so much more evidence available to them but wasn’t even used. The OFT should have put a hold on further charging of customer until the test case was resolved in the same way they put a hold on court action.

And even then the banks will drag this out as long as possible by going all the way to the House of Lords or further, because by doing this even if they have to pay the charges back but they will still have made billions of pounds in interest which should have been the consumers and not the banks.

Tozer your telling me 500000+ HSBO customers leave and take there money else were and state that its because of the court case you think that will not make a difference, I'm sure they would be in a panic. Firstly their shares would plummet other customer would get itchy feet as they wouldn’t want their money to be with a bank that’s at risk of maybe getting into financial difficulty.

As for “the rest were charging high charges and interest and playing hard ball just like these but refused to take the case to court to resolve the matter one way or the other” yes but at least you could get your money back I nether trust or have confidence in the OFT to do this for us the consumer, also if the banks win this case they could surely dispute other stuff like the credit card charges etc.

At the end of the day it all comes down to what I stated earlier people are happy to !!!!! and whine and say how they have been ripped of by the banks but are not actually willing to grow a back bone and try to do something about it.

I dont know maybe I just see how simple it is one person does something there is no effect, but 1 million people do something and they have a massive effect simple.

Nathan_Spleen

************

mharwood wrote: »

You really think the banks doing the test case are the good guys are they LOL, I'm really not sure which articles you have been reading about regarding the test case but everything points to the fact the banks will pay nothing until they are made too, either by the courts or the consumers.

He said ''relatively''

And even then will it even happen with the crappy OFT running things the first part of the court case the OFT did appallingly

Really? I thought they won round one. Or am I missing something here?

there was so much more evidence available to them but wasn’t even used.

How do you know?

The OFT should have put a hold on further charging of customer until the test case was resolved in the same way they put a hold on court action.

Your naivety is astonishing! On what legal basis could the OFT put the charges on hold? And who was it that ''put a hold on court action''? The OFT you say? I've got my head in my hands.


And even then the banks will drag this out as long as possible by going all the way to the House of Lords or further, because by doing this even if they have to pay the charges back but they will still have made billions of pounds in interest which should have been the consumers and not the banks.

Tozer your telling me 500000+ HSBO customers leave and take there money else were and state that its because of the court case you think that will not make a difference,

Absolutely none. And do you seriously think you could persuede 500000 people to move their accounts? I'd genuinely be interested to know.

I'm sure they would be in a panic. Firstly their shares would plummet other customer would get itchy feet as they wouldn’t want their money to be with a bank that’s at risk of maybe getting into financial difficulty.

Ditto

As for “the rest were charging high charges and interest and playing hard ball just like these but refused to take the case to court to resolve the matter one way or the other” yes but at least you could get your money back

So you'd rather they take it in the first place?

I nether trust or have confidence in the OFT to do this for us the consumer, also if the banks win this case they could surely dispute other stuff like the credit card charges etc.

Why?

At the end of the day it all comes down to what I stated earlier people are happy to !!!!! and whine and say how they have been ripped of by the banks but are not actually willing to grow a back bone and try to do something about it.

Try growing a brain first.

I dont know maybe I just see how simple it is one person does something there is no effect, but 1 million people do something and they have a massive effect simple.

Simple is it? Off you trot then and start talking a million people into changing their bank. Do let me lnow how you get on won't you.

Tozer

OK, couple of things:

1. "House of Lords or higher". House of Lords is the highest appeal Court in the UK.

2. Reckon you can get half a million people to follow you? You should enter politics.

3. Completely agree with AlMac. Why would the banks miss anyone who are 'difficult' customers.

RandomCake

Sorry if this is a stupid question, but which banks are we supposed to be moving to?
From my research they all still charge fees!

mharwood

You really think the banks doing the test case are the good guys are they LOL, I'm really not sure which articles you have been reading about regarding the test case but everything points to the fact the banks will pay nothing until they are made too, either by the courts or the consumers.

He said ''relatively''
How are they relatively good guys they have been ripping us of, have been caught out but will not accept this so are fighting tooth and claw to keep the huge profits they have been making in very bad financial climates after making very bad financial decisions and will drag this out for years if they get the chance. Quote from this site "At the moment there’s no date on when the appeal will take place, yet it is hoped it could be before the end of Summer; though more will be known by mid-June”
While the first appeal is likely to be quick - well, quick for the Courts that is - if they continue to appeal to successive higher courts after that, it could take years; saving the banks billions in the process as they continue to charge consumers, but consumers can’t reclaim from them."


And even then will it even happen with the crappy OFT running things the first part of the court case the OFT did appallingly

Really? I thought they won round one. Or am I missing something here?

we won round one did we I have to disagree with you on that again from this site
"As for the other clauses which went against the OFT, it has decided not to appeal either the ‘plain and intelligible’ language or the 'current terms are not penalties' decision." and also " The banks have been given leave to appeal the High Court ruling that charges are subject to fairness rules. The appeal is likely to go to the Court of Appeal; yet that could then be appealed to the House of Lords, and possibly Europe after that. So if appeals were to be made at each stage, the decision process could take a very long time."

there was so much more evidence available to them but wasn’t even used.

How do you know?

The OFT should have put a hold on further charging of customer until the test case was resolved in the same way they put a hold on court action.

Your naivety is astonishing! On what legal basis could the OFT put the charges on hold? And who was it that ''put a hold on court action''? The OFT you say? I've got my head in my hands.

Id much prefer for you to be here face to face with me because your head would now be up your !!!! its easy for you to slag people off over the net but will you do it face to face I wonder I’m up for seeing if you do. OK I did a typo so what the “FSA” not OFT I meant.

On the same legal ground that the FSA have put a hold on customers claims if we can not claim our money back then they should not be able to continue to charge if this was the case the banks would not be trying to sandbag us and take as long as possible.


And even then the banks will drag this out as long as possible by going all the way to the House of Lords or further, because by doing this even if they have to pay the charges back but they will still have made billions of pounds in interest which should have been the consumers and not the banks.

Tozer your telling me 500000+ HSBO customers leave and take there money else were and state that its because of the court case you think that will not make a difference,

Absolutely none. And do you seriously think you could persuede 500000 people to move their accounts? I'd genuinely be interested to know.

Im not saying I can get 500000 but I can get some people to boycott the biggest of the banks as in HSBO because some people still have a backbone and pride like our guy out in Iraq and Afghanistan. they have back bones my point is that if people actually did something instead of whingeing and !!!!!ing then in the currant climate yes HSBO would panic because the cant afford to be losing that much custom in one hit.

I'm sure they would be in a panic. Firstly their shares would plummet other customer would get itchy feet as they wouldn’t want their money to be with a bank that’s at risk of maybe getting into financial difficulty.

Ditto

Northern rock you retard how many people moved money out of that bank because there was an issue. A large amount of people moving money to another bank would mean that banks shares would take a dip and create the same environment if the government had not stepped in with northern rock it would have gone under

As for “the rest were charging high charges and interest and playing hard ball just like these but refused to take the case to court to resolve the matter one way or the other” yes but at least you could get your money back

So you'd rather they take it in the first place?

I nether trust or have confidence in the OFT to do this for us the consumer, also if the banks win this case they could surely dispute other stuff like the credit card charges etc.

Why?

"As for the other clauses which went against the OFT, it has decided not to appeal either the ‘plain and intelligible’ language or the 'current terms are not penalties' decision." Why not the backs are appealing that charges are subject to fairness rules if they win the fact that OFT has not appealed about the terms being penalties will have well and screwed the consumer over.

At the end of the day it all comes down to what I stated earlier people are happy to !!!!! and whine and say how they have been ripped of by the banks but are not actually willing to grow a back bone and try to do something about it.

Try growing a brain first.

I’ve proven I have a backbone and a brain mate and one that I control, I’m not programmed like you so obviously are into believing that if we stand together we will achieve nothing. I bet the shell drivers don’t think they can achieve nothing by standing together to make a point they got a 14% pay deal if they had not gone on strike would they have got that.

I dont know maybe I just see how simple it is [IMG]file:///C:/Users/kezmat/AppData/Local/Temp/msohtml1/05/clip_image001.gif[/IMG]one person does something there is no effect, but 1 million people do something and they have a massive effect simple.

Simple is it? Off you trot then and start talking a million people into changing their bank. Do let me lnow how you get on won't you.

Obviously Im not going to get a million people to change banks mate and that was not the point (you tell me to get a brain!!!) I stated 1 person cant change something but 1 million can at no point did I state I was going to get 1 million people to change banks and it IS simple one million people making a stand can have a massive effect when it involves millions of pounds from one company

OK, couple of things:

1. "House of Lords or higher". House of Lords is the highest appeal Court in the UK.

It maybe the highest in this country but what is to stop them taking it to europe

2. Reckon you can get half a million people to follow you? You should enter politics.

This was a statement if 500000+ people did boycott one bank it would make a difference did I at any point say I can get half a million people to follow me no I didn’t

3. Completely agree with AlMac. Why would the banks miss anyone who are 'difficult' customers.

Quote from this site “MAY 08. The five millionth bank charge reclaiming template letter was downloaded from this site” and this not the only site to have template
I didn’t even download from a site and wrote all my own letters and won £6500

Funny that and you think that everybody who gets charged is a bad or difficult customer I think not but sometimes in life you get a curve ball, your partner dies, lose of a job, your injured in a car crash etc etc so for a short time you struggle with money but the fact the banks do not help and their charges actually make thing worse makes you a bad customer I think you need to have a reality check


RandomCake Sorry if this is a stupid question, but which banks are we supposed to be moving to?
From my research they all still charge fees!

Hi mate no its not a stupid question you would just boycott the biggest group such as HSBO it would be more a statement of intent a protest if you will about how the banks are handling this whole thing instead of just agreeing to recover what it costs the bank or a fair charge such as £5