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

12346

Comments

  • Nathan_Spleen
    Nathan_Spleen Posts: 559 Forumite
    inmypocketnottheirs wrote: »
    Hence my analogy to pickpockets.

    If they were not in Court, it would not be if there acts were unlawful or illegal. There is no need to split hairs between civil and criminal law, my analogy was used in the same way as yours re electricity bills. Analogies are used to illustrate points, nothing more.

    Analogies are fine, when they are accurate.
  • inmypocketnottheirs
    inmypocketnottheirs Posts: 4,745 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Nathan_Spleen wrote: »
    Analogies are fine, when they are accurate.

    You feeling a little of a pedant this morning?:confused:
    Don't lie, thieve, cheat or steal. The Government do not like the competition.
     The Lord Giveth and the Government Taketh Away.
     I'm sorry, I don't apologise. That's just the way I am. Homer (Simpson)
  • Nathan_Spleen
    Nathan_Spleen Posts: 559 Forumite
    Tell me, how many pickpockets do you know that before relieving you of your cash, ask you to sign a contract agreeing to be robbed? Like I said, analogies are fine when they're accurate.
  • borgbaiter
    borgbaiter Posts: 600 Forumite
    hi

    So a pickpocket isnt a pickpocket if he at some time before gets you to sign a contract that they can do it. could make an interesting legal defence :-D


    Borgbaiter
    claimed/settled - Natwest £2,535/£2,535, HSBC visa £80/£80, MBNA £1,258/£1,258, capital one £282/£282, tesco visa £515/£515, HSBC visa £140/£140. HSBC £1,450 MCOL Stayed for OFT case. Chelsea Mortgage charges & cashback £5000/£672. complaints with banks pending OFT Halifax £30, A&L £35. TOTALS £11,325/£5482
  • Tozer
    Tozer Posts: 3,518 Forumite
    borgbaiter wrote: »
    hi

    So a pickpocket isnt a pickpocket if he at some time before gets you to sign a contract that they can do it. could make an interesting legal defence :-D


    Borgbaiter

    No because you would have consented to it.
  • Nathan_Spleen
    Nathan_Spleen Posts: 559 Forumite
    Tozer wrote: »
    No because you would have consented to it.

    Thanks Tozer!
  • inmypocketnottheirs
    inmypocketnottheirs Posts: 4,745 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Tozer wrote: »
    No because you would have consented to it.

    But under the Consumer Contracts Act terms have to be fair. And just because all banks have the same/similar terms does not make them fair; that just makes it a cartel.

    Quote:

    The Unfair Terms in Consumer Contracts Regulations 1999 (SI 1999 No 2083) provide that a term which has not been individually negotiated in a consumer contract is unfair (and hence non-binding on the consumer) if, contrary to the requirement of good faith, it causes a significant imbalance in the rights and obligations of the parties to the detriment of the consumer.

    Thus banks really are just pickpockets.
    Don't lie, thieve, cheat or steal. The Government do not like the competition.
     The Lord Giveth and the Government Taketh Away.
     I'm sorry, I don't apologise. That's just the way I am. Homer (Simpson)
  • Nathan_Spleen
    Nathan_Spleen Posts: 559 Forumite
    inmypocketnottheirs wrote: »
    But under the Consumer Contracts Act terms have to be fair. And just because all banks have the same/similar terms does not make them fair; that just makes it a cartel.

    Quote:

    The Unfair Terms in Consumer Contracts Regulations 1999 (SI 1999 No 2083) provide that a term which has not been individually negotiated in a consumer contract is unfair (and hence non-binding on the consumer) if, contrary to the requirement of good faith, it causes a significant imbalance in the rights and obligations of the parties to the detriment of the consumer.

    Thus banks really are just pickpockets.

    Iv'e got my head in my hands.
  • borgbaiter
    borgbaiter Posts: 600 Forumite
    hi

    i think theres more to a contract than simple agreement. in the case of the pickpocket what do i get for my agreement? apart from a cashectamy of course.


    Borgbaiter
    claimed/settled - Natwest £2,535/£2,535, HSBC visa £80/£80, MBNA £1,258/£1,258, capital one £282/£282, tesco visa £515/£515, HSBC visa £140/£140. HSBC £1,450 MCOL Stayed for OFT case. Chelsea Mortgage charges & cashback £5000/£672. complaints with banks pending OFT Halifax £30, A&L £35. TOTALS £11,325/£5482
  • inmypocketnottheirs
    inmypocketnottheirs Posts: 4,745 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Nathan_Spleen wrote: »
    Iv'e got my head in my hands.

    Me too!:beer:
    Don't lie, thieve, cheat or steal. The Government do not like the competition.
     The Lord Giveth and the Government Taketh Away.
     I'm sorry, I don't apologise. That's just the way I am. Homer (Simpson)
This discussion has been closed.
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