New Govan legal challenge on Unfair bank charges
“Scotland The Brave” should be our rallying cry because The Govan Law centre in Scotland has been able to mount a claim against The Bank of Scotland for unfair and excessive bank charges.
IF YOU HAVENT MADE A CLAIM FOR BANK CHARGE REFUNDS DO IT NOW BY COMPLETING THE FORM ON THIS PAGE.
Your claim will be handled by specialised legal people who work strictly on a No win-No fee basis.
What have you got to lose?
The above case is brilliant news for thousands of people. Let us recap on what has happened so far…………..
* We don’t know exactly but maybe a million people have claims outstanding for the return of their unauthorised overdraft charges.
* Last November the Supreme court ruled in favour of the banks effectively rejecting most of these claims with only a relative few hardship cases succeeding.
*Claims that were on hold in the court system will probably be filed away as “No action” too.
So what has happened that might change everything?
Although the Bank of Scotland’s legal team opposed the challenge The Sheriff has allowed a claimant to amend her previous claim in the light of The Supreme court’s judgement.
The heart of the argument is that it was unfair to have been charged £750 overdraft charges because the charges had been used not only to settle the claimant’s account but to subsidise the cost of the bank’s free current account service to those customers who stayed in credit. Can we succeed? Yes we can! Claim now.
Banks win Supreme Court case on “Unfair bank charges”
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If you have your own web site or blog, I'd be extremely grateful if you could add a link to www.claimbankchargesback.co.uk - The more people using the site, the better it will become! Please tell your friends and family about us, and help them claim their own bank charges back.
Bank refunds decision by The House of Lords on Wednesday
Bank refunds decision by The House of Lords on Wednesday
Wednesday November 25 2009 is when the Judgement on bank refunds will be made by The Supreme Court.
The final ruling on bank refunds will decide whether The Office of Fair Trading has the authority to determine whether bank charges are fair or not.
If the banks lose in The House of Lords then it is unfortunately possible that legal arguments will be advanced by the banks’ well heeled lawyers and Barristers.
Are they playing for time or what?
There are nearly a million good people who are wanting their unfair bamk charges refunded. On average each customer pays the bank, one way or another, £154 per year. Can you believe that?
But isn’t it also interesting that the banks are paying themselves millions in bonuses…………from your unfair bank charges.
The bank charges judgement will be given on Wednesday November 25 2009 at 9:45am :-
Office of Fair Trading (Respondents) V Abbey National PLC and others.
The Office of Fair Trading has previously ruled that bank charges should be investigated. This is specifically related to the high level of charges and the way that they are collected.
Seven banks and one building society have challenged the two previous rulings . Apply for a refund before it is too late. Complete the coupon on this page now. Christmas is coming. Your bank charges refund cheque could be coming too.
Bank refunds decision by The House of Lords on Wednesday
Bank refunds decision by The House of Lords on Wednesday
Wednesday November 25 2009 is when the Judgement on bank refunds will be made by The Supreme Court.
The final ruling on bank refunds will decide whether The Office of Fair Trading has the authority to determine whether bank charges are fair or not.
If the banks lose in The House of Lords then it is unfortunately possible that legal arguments will be advanced by the banks’ well heeled lawyers and Barristers.
Are they playing for time or what?
There are nearly a million good people who are wanting their unfair bamk charges refunded. On average each customer pays the bank, one way or another, £154 per year. Can you believe that?
But isn’t it also interesting that the banks are paying themselves millions in bonuses…………from your unfair bank charges.
The bank charges judgement will be given on Wednesday November 25 2009 at 9:45am :-
Office of Fair Trading (Respondents) V Abbey National PLC and others.
The Office of Fair Trading has previously ruled that bank charges should be investigated. This is specifically related to the high level of charges and the way that they are collected.
Seven banks and one building society have challenged the two previous rulings . Apply for a refund before it is too late. Complete the coupon on this page now. Christmas is coming. Your bank charges refund cheque could be coming too.
Unfair bank charges ruling is this Wednesday
Unfair bank charges ruling is this Wednesday
Don’t delay claiming your unfair bank charges. The Supreme court will finally make its judgement on Wednesday 25 November.
The decision will be whether or not The Office of Fair Trading is empowered to decide whether bank charges are OK or if they are dodgy.
More than 850,000 people have already put in claims for the refund of unfair bank charges.
If you haven’t done so yet, then take a step today towards your refund by completing the coupon on this page.
Your claim can go back 6 years but that’s an awful lot of paperwork and presenting the right documents to the bank, Isn’t it?
It is probably a good idea to use the services of a specialist company to do it all for you. And they will charge you nothing if there is no refund.
People in financial hardship may be able to receive a refund now but for most of us we will have to wait until Wednesday.
If you haven’t made a claim complete the simple coupon on this page and or Claims Company will send you, by return an info pack everything you need to know to get the ball rolling.
This is something you should do when your heart says “Do it”
And isn’t that now
Free banking. What free banking?
Free banking. What free banking?
Never in our recent British financial history have we seen the banks in such a pickle…..
Foreclosures. Bail outs with billions of tax payers’ money. New banks spawning like takeaways. Bonuses and dirty tricks by the bank managers.
Where will it all end?
A leading national newspaper declared this week “The age of free banking draws to a close”
But the question is : “Has there ever been truly free banking?”
This is how the system works.
First you join a bank and like millions of others never think to switch and after a time are blissfully unaware of the charges that you are paying.
In most cases you can ask for a bog standard account which provides you with a debit/cash card and apparently that’s it.
You then become embroiled in the bank’s shenanigans of moving you up to an “Added Value” account.
For example, Lloyds TSB can give you for free a CLASSIC account. But before too long you are enticed and encouraged to move up to a fee paying account which offers you this benefit or that.
Check carefully what you are getting because these benefits may not represent much at all.
So at Lloyds TSB for example you can move from nothing to £7.50 all the way through to £ 25 a month. Just like that.
That’s a huge amount of money.
But back to the so called free account like the classic I have used as an example. Other charges kick in and this is where the banks prosper.
For example, if you exceed your overdraft limit without agreement you can be charged as much as 30% of the amount overdrawn.
There are other bank charges which may apply. A big one is payment protection insurance where the bank or other provider encourages you to take out this insurance against a loan. In many cases you could never claim against such a policy. Frankly, you have been diddled.
Fortunately you can recover many of these so called unfair charges that go back 6 years. Yes you can!
The big banks are breaking up…………..How does this affect my claim for repayment of unfair bank charges?
The big banks are breaking up…………..How does this affect my claim for repayment of unfair bank charges?
Our friends in Brussels have told us that we have to cut RBS and Lloyds TSB down in size as a quid pro quo for receiving the state aid last year.
And if you might have forgotten it was a multi million pound package.
Gordon Brown and his minions are presenting the sale as a bonus or payback for us taxpayers but we most certainly doubt that! The Labour Government only takes your money and spends it on their social engineering schemes. “Payback”….Don’t hold your breath.
In the plan The Royal Bank of Scotland and Lloyds will be split up. Cheltenham and Gloucester will be sold and three new banks will hit the high street. Virgin money and Tesco are hot favourites for these businesses.
Increased competition would be good for the customer and “Added value” fees may not be an automatic necessity if you switch. However, our question is this…Will the break up of the banks mean that the repayment of unfair bank charges be delayed or cancelled altogether?
The answer is that most probably the Law Lords ruling will proceed as planned but the logistical side of it re the actual repayment might be a minefield.
Our advice to you is to use a Claims company who can expedite the process for you. If you have not claimed back unfair bank charges for the last six years may we suggest that you complete the application form on this page to get the ball rolling.
Do it now.
When you think of Financial hardship do you think of bankers with their bonuses?
When you think of Financial hardship do you think of bankers with their bonuses?
No of course not, but it is these very people who have been trying to stop repaying unfair bank charges to customers who are in real financial difficulty.
It makes me sick.
Claim bank charges back are now able to inform you that The Financial Ombudsman has issued a dire warning to our Banker friends that they cannot ignore any longer.
At the moment it is not possible to reclaim charges for going over your overdraft limit (Up to £ 39 a time). However, when the decision was made to freeze this recharge it was made crystal clear that people in financial hardship were to be treated differently.
We know that they have played games with us and have basically refused to do so.
Cometh The Financial Ombudsman who has reaffirmed that The Banks must cough up and repay unfair bank charges to bank customers who are in a tight financial situation.
What is a financial hardship situation? Well, we suggest that you complete the application form on this page, click it to us and we will tell you.
The Independent complaints body has written to the banks and told them that customers with money problems should be treated in a fair way and that their claims for the return of unfair bank charges should be handled efficiently and without delay.
What are Lloyds, Barclays, Natwest and the others playing at? A common practice is for the bank to send a standard rejection letter to the customer which basically tells him to get lost.
But this is where a company like Claims Financial can really help. They understand the banks and how their legal processes work far better than any individual.
Whilst it is not easy Claims Financial will pursue, nag and cajole the banks into submission!
When you think of Financial hardship do you think of bankers with their bonuses?
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No of course not, but it is these very people who have been trying to stop repaying unfair bank charges to customers who are in real financial difficulty. At the moment it is not possible to reclaim charges for going over your overdraft limit (Up to £ 39 a time). However, when the decision was made to freeze this recharge it was made crystal clear that people in financial hardship were to be treated differently. The Independent complaints body has written to the banks and told them that customers with money problems should be treated in a fair way and that their claims for the return of unfair bank charges should be handled efficiently and without delay. What are Lloyds, Barclays, Natwest and the others playing at? A common practice is for the bank to send a standard rejection letter to the customer which basically tells him to get lost. We have a copy of the letter that Caroline Wells of The Ombudsman’s office has sent to the banks. This shows that there is increasing pressure on the banks. Now is the time for you to reclaim bank charges for the last six years. Especially if you are a hardship case. Claim Bank charges back urges you to complete the application form on this page now and turn financial dreams into reality. |
If you have your own web site or blog, I'd be extremely grateful if you could add a link to www.claimbankchargesback.co.uk - The more people using the site, the better it will become! Please tell your friends and family about us, and help them claim their own bank charges back.
Are you a Lloyds TSB customer? Claim unfair bank charges back now.
Are you a Lloyds TSB customer? Claim unfair bank charges back now.
I did!
I have been with Lloyds for ages. Bank charges are necessary and I used to accept them without question. In fact I didn’t really know how much the bank was charging me.
But recently with money being a bit tight and all the news about huge bonuses being paid to Bankers, I thought……….Heh, wait a minute. Am I being ripped off?
I decided to ask Claims Financial to help me claim my unfair bank charges back. (Fill in the application form on this page and Claims Financial will send you full details so that you can get a nice bit of money back too)
Lloyds and other banks operate in a world of mystery and deliberate confusion or so it seems to me.
Recently a received a thick brochure detailing new terms and conditions about Lloyds TSB bank charges. Frankly, it was impossible to read. Far too long. I’m sure it was prepared like this to discourage readership.
An attached mini-guide was actually no better.
So I still don’t know what the bank charges are but I have more than a sneaking suspicion that they are probably Banks want to make as much money from us customers as they can.
I really don’t think that they are interested in me at all.
I had heard about people claiming back unfair bank charges so I thought I would give it a go myself.
I heard that I could make a claim myself, contact Lloyds and get my statements for the past six years and make a claim.
But honestly, who wants to do that?!
So, I completed the application form on this page and the claims company has done everything for me. They are really fantastic.
I am expecting a refund very soon and I am so glad that I took action.
You can do this too.
Complete the simple form on this page and claim your bank charges back.
Banks pay themselves bonuses from your bank charges. Its time you were paid a bonus too.
Do it now.
