|
||||||
|
Title: bank charges Post by taliban aka Cheekyboy2 on Mar 30th, 2008, 9:17pm anyone here claimed back their bank charges? i checked my statement the other day and noticed a bit saying they are charging me £150 for going over my overdraft limit. naturally i phoned them none to happy >:( but didnt get much help, they just offered to give me a loan or credit card (to ensure im tied to em ::)) so i thought whats all this about claiming back charges; had a look on the net and theres plenty of companies etc doing no win no fee, i reckon over a 6 year period i've paid around £2,200 so worth a look i think... |
||||||
|
Title: Re: bank charges Post by peteHull on Mar 30th, 2008, 10:36pm on 03/30/08 at 21:17:37, taliban aka Cheekyboy2 wrote:
:o ??? Hi Tali We have had our banking for about the last 20 odd years and never had to pay bank charges, we have a hundred pound o/d facility to accomodate fluctuations in payment dates. We always pay everything on direct debits, cheques or credit and debit cards, the balances are always paid each month.... Our Bank makes nowt off us... Quote:
:-X "No win no fee", these companies rely on people going over limits on o/d's and accumulating "bank charges" :-/ Best bet is to keep up with payments, clear all balances and watch the deadline dates on DD's.... ;) Only my opinion 'cos it works for us... ;) Hope you get it sorted... Pete |
||||||
|
Title: Re: bank charges Post by taliban aka Cheekyboy2 on Mar 30th, 2008, 11:00pm the thing is my bank has always charged me for the overdraft facility full stop let alone the additional charge for going over that. looking through the various websites on it the latest court ruling says bank charges must be relevant to the cost to the bank, hence people being able to claim back such inflated charges. i was going to do it all myself with the help of a couple of sites that set out what you need to do etc but its still time consuming. theres a lot of sites doing the no win no fee thing, the cost seems to average between 10-20% though i have found one that just charges £250 whatever the amount won. they are also doing it for credit card payment protection charges etc.... |
||||||
|
Title: Re: bank charges Post by sector-9 on Mar 31st, 2008, 11:50pm I tried claiming my charges back last year,went as follows: 1. I request a list of all the charges they have applied in the last 6 years. 2. They send me about a million copy statements. I go through them all and highlight each charge. 3. I write and tell them they owe me ££££ paid out as unfair (read: unenforceable) charges 4. They write and say it's all in the terms and conditions, blah, blah, blah, not paying up 5. I write and tell them I want it all back or I take them to court and bill them for the privilege. Gave them 14 days to respond 6. They say they'll investigate and it could take up to 8 weeks 7. I file a claim in the small claims court - cost me around £85 and I add that to what I'm claiming. They have 28 days to enter a defence. 8. On day 28 they enter a defence disputing the charges are unfair. They also write to me and offer half the amount as a goodwill gesture. Now I was quite prepared to take them to court and try getting it all back but a few days after receiving the offer it appeared that the courts were pausing all open claims until the outcome of a test case had been decided (due Feb this year). I decided not to wait and risk losing it all if ruling in favour of banks so I accept their offer. The question you have is whether the test case happened and what the outcome was - that'll decide whether there's any chance of you getting your money back... Darren |
||||||
|
Title: Re: bank charges Post by taliban aka Cheekyboy2 on Apr 1st, 2008, 12:01am cheers for that darren, it seems most people that went as far as you were offered half/two thirds of the claim, but those that went further seem to have got everything back (always a gamble), i'll look up that test case..... |
||||||
|
Title: Re: bank charges Post by wayne on Apr 1st, 2008, 9:15am Haven't done it myself,, but if you're doing research this page may be of help.. it has template letters and charge calculators n stuff :) http://www.moneysavingexpert.com/reclaim/bank-charges |
||||||
|
Title: Re: bank charges Post by taliban aka Cheekyboy2 on Apr 1st, 2008, 10:01pm oooooh the test case is still in court...... |
||||||
|
Title: Re: bank charges Post by amigafan2003 on Apr 8th, 2008, 10:09am Complaining about bank charges when you go overdrawn is like complaining about getting caught speeding - no one else to blame but yourself. |
||||||
|
Title: Re: bank charges Post by cossie_al on Apr 8th, 2008, 11:50am Think you miss the point amigafan, Its the highly inflated amount of the charge and not the charge itself thats questionable. My bank charges £38.00 for a missed direct debit or unauthorised overdraft, surely nobody can agree that it costs the bank £38.00 for not paying a direct debit and sending you a letter telling you so. |
||||||
|
Title: Re: bank charges Post by Scorpio_Mike on Apr 8th, 2008, 12:08pm I have a pre-arranged o/d facility and only pay £5 to use it provided I don't go over the limit. Not used it in almost 20 years ;D The high bank charges are usually for un-authorised overdrafts. |
||||||
|
Title: Re: bank charges Post by taliban aka Cheekyboy2 on Apr 8th, 2008, 9:54pm amigafan you are totally ignorant of the situation and maybe you'd do well to get the correct facts before slating the thousands of people who are in the process of suing banks etc; theres nothing wrong with banks charging, its in account contracts, but as the law states if its a charge it must be that and the amount relevant, no one has a problem with that, what is a problem and illegal is when the charges are so high they are a fine. |
||||||
|
Title: Re: bank charges Post by peteHull on Apr 10th, 2008, 9:26am http://www.moneysavingexpert.com/reclaim/credit-card-charges Hi all, i just found this item that may be of use in this matter. i would be interested if it has any credability... Best of luck Pete |
||||||
|
Title: Re: bank charges Post by amigafan2003 on Apr 10th, 2008, 3:30pm Quote:
Personally, I find the £5000 fine you get for drink driving to be excessive. Not that I could care less as I simply don't drink and drive. Does that make my point clearer? The charge isn't there to recover costs, it's there as a deterrent. Maybe the banks should call it a fine rather than a charge (alot of legal framework hoops to go through there though). Banks are a private company and frankly I find it ludicrous that Nanny has imposed this restriction about charges on the banks. As I said before - there's an easy way to avoid paying bank charges. |
||||||
|
Title: Re: bank charges Post by taliban aka Cheekyboy2 on Apr 10th, 2008, 4:26pm amiga, its obvious there is absolutely no point in me explaining to you again, or even explaining it differently, you failed to grasp the question which was quite simple so you obviously are unable to grasp any explantion, you cant make your point clearer quite simply because you dont have one, how you can compare drink driving which directly threatens other peoples lives with banks illegally fining (which is not a loophole and never has been) customers isnt ludicrous, it isnt even funny or slightly amusing, it is the same pattern of thought as the rest of your reply...pointless, with no correlation whatsoever to the question. |
||||||
|
Title: Re: bank charges Post by amigafan2003 on Apr 10th, 2008, 9:58pm taliban aka Cheekyboy2, sorry, I was actually kind of agreeing with you in my last post. |
||||||
|
Title: Re: bank charges Post by taliban aka Cheekyboy2 on Apr 10th, 2008, 10:16pm were ya!?? well you got me wound up a good un there, i feel guilty now....................not |
||||||
|
Title: Re: bank charges Post by amigafan2003 on Apr 11th, 2008, 9:12am Yeah, when I said if they called it a "fine" rather than a "charge" then there would be no confusion. |
||||||
|
Title: Re: bank charges Post by sector-9 on Apr 11th, 2008, 8:55pm on 04/10/08 at 15:30:50, amigafan2003 wrote:
And that's the whole reason the courts have been ruling against them - it is illegal for them to charge a penalty/fine/deterrent for failure to abide by your contract. They can pass on any costs they've accrued as a result, but no more. You may have noticed that since people started reclaiming their "fines", the banks have been quick to ammend the terms and conditions to rephrase penalty charges as "service charges" - for which they're entitled to charge what they like. Just like you're entitled to charge them £10,000 for not disclosing that they settled out of court... ;D Darren |
||||||
|
Title: Re: bank charges Post by TiberiuS on Apr 11th, 2008, 9:18pm on 04/10/08 at 15:30:50, amigafan2003 wrote:
Yeah, that's all well and good if you have the sort of wage where you can live and pay your bills these days without going overdrawn.. The banks know this and hence the high charges, a bit like speed cameras on quiet roads out of hours, chips in recylcing bins, parking meters in hospitals if you want to draw parallels. I'm off work again at the moment (personal reasons) but even when I'm lucky enough to be working full time there's little left by the time stuff like the council tax and gas bills are cleared.. Sorry, but I find the above comment really, really short sighted :-/ |
||||||
|
Title: Re: bank charges Post by amigafan2003 on Apr 14th, 2008, 1:44pm When I left college, I lived on what is now the equivalent to the minimum wage for two years - never needed an overdraft nor a credit card nor a loan and paid all my bills on time. Then again I didn't have luxuries like broadband, mobile phones, sat tv, a car etc. If the washer broke down, I washed the clothes in the sink until I had saved enough for a new machine. If the fridge broke down, I bought food that didn't need to be refrigerated. if I needed to go online for something, I went to the library. We're all so used to having the "luxuries" nowadays that if we don't have them, we beg, steal (which as far as I'm concerned, spending money you don't have - i.e. an unauthorised OD, is) or borrow to get those items. I have an S reg Scorpio Cosworth, building a Westfield, a 3 bed semi, new fitted kitchen, £4k gaming computer, 42" TV and you know what, the only loan I have is the mortgage. This may sound rude, but don't give me this rubbish about "needing" and overdraft - absolute tosh in my opinion. And if I ever lost my job, I'd cancel the broadband, the satelite, the mobile phones, the car would go into storage, car ins would be cancelled, tax refunded, light bulbs taken out, heating turned down etc - I could quite happily manage until I found another job, even if that took 5 years. |
||||||
|
Title: Re: bank charges Post by taliban aka Cheekyboy2 on Apr 14th, 2008, 3:25pm so as tiberius has said you ARE short sighted, you for some ignorant reason believe everyone should be the same as you as regards finances even though you know absolutely nothing about them, you just assume, to use your own words you talk absolute narrow minded tosh. when i started this post is was quite a simple question (i wont repeat it, you didnt have the mental ability to 'grasp' it the first time), i mentioned virtually nothing about my personal finances (they're no one elses business), but a few people who have re claimed kindly gave some info, you however assumed x, y and z then started bleating on with insulting comments, now you start bleating about what you have (christ knows why, i doubt anyone is interested) 2 cars, a house a big computer etc etc, give me a mo....i just need to get down on my knees in awe of your greatness.... i sincerely hope tibs has read your reply as im sure in his unemployed situation your advice on cutting back; turning heating down, cancelling broadband etc etc will be very useful as im sure these things have never crossed his mind...... ::) |
||||||
|
Title: Re: bank charges Post by amigafan2003 on Apr 14th, 2008, 3:31pm Quote:
I never said everyone should be the same as me - just an alternative viewpoint. I don't consider that ignorant - how can recognising two viewpoints be ignorant? Quote:
Sigh, no need to be rude or make it personal. Everyone's entitled to thier opinion - I was just expressing mine. I was far from gloating -= I was just illustrating that if you're careful, prudent and patient, you can have nice things without resorting to the need for loans, over drafts, credit cards etc. As an aside - have a look at http://news.bbc.co.uk/2/hi/business/6170209.stm - my brother in law followed that exact process and ended getting 80% back from his bank. that was a couple of years ago though and I understand banks are much less leniant now. Quote:
Well, I'm not going to speak for tibs but a few of my freinds HAVE been made redundant and they don't cancel those things - they struggle on and make the situation worse - getting to the point where they don't cancel them - the companies cancel them themselves, resulting in CCJ's etc. the point I was trying to make was they're all luxuries - cancel them at once and you#ll probably find you have more spare cash left at the end of the month thatn when you were employed (at least that's the way the sums add up for me). |
||||||
|
Title: Re: bank charges Post by TiberiuS on Apr 14th, 2008, 10:54pm Right. To clear a couple of things up. I've not been made redundant, I've got some problems at the moment and need some time off some weeks. Luckily the guys I usually work for are pretty understanding. That said, for someone my age I earn decent money, I work semi-skilled and get work mostly on a contract basis, when the work is good, the money can be quite good too. So I pay my own way, if I don't get work for a couple of weeks for one reason or another then I feel the pinch just like the next Joe. I run a couple of decent, if old cars (you might scoff but they mean a lot to me), have spent the last 2 years working my backside off ripping this house apart and renovating it and making it into a home. I'm not rich, I probably live beyond my means like most other people but I manage one way or another. I'm not married, don't have kids, if I did then things would probably be a lot different.. Going back to the original issue, the banks are the ones who made it so easy for people to sink into debt so surely the banks are the ones who are responsible for the whole problem in the first place. They create the problem and then they come along and drop in a nice fat charge for the people who they tempted in the first place.. Just like the police are there to keep law and order, the banks are (should be) regulated and are supposed to follow guidelines to regulate the way they do their business and make sure they do things in an above board and responsible way. And that was the point Tali was making in the first place, the charges aren't right, regardless of what they're for. I'm not here to make enemies, I like this forum and have a lot of respect for the guys on here even if I don't always agree with them. But there's an attitude problem here and it's coming from your side, sitting in your ivory tower with your holier than thou attitude won't always keep you out of trouble or make you friends in the real world. Regards, Bruce. |
||||||
|
Title: Re: bank charges Post by taliban aka Cheekyboy2 on Apr 14th, 2008, 11:27pm i think one of the main complaints (in general) about high bank charges is that they keep people that are already in a tight situation in that situation i.e. say... a working single parent goes for whatever reason over their overdraft limit one month, next month they're charged £100 for doing so, the problem is they earn a set wage each month, so the month the charge comes out they're £100 down already, because of that they go over the overdraft that month too, and so it goes on, until the bank then offers them a loan (with interest of course) to clear the overdraft etc.... |
||||||
|
Title: Re: bank charges Post by scorpio_man on Apr 15th, 2008, 6:40am hi guys can we cool this topic down a bit. :) everyone can have an opinion. we might not agree with it, but that's ok. just don't let it get personal. regards andrew forum admin team |
||||||
|
Title: Re: bank charges Post by amigafan2003 on Apr 15th, 2008, 12:00pm Quote:
Sigh. |
||||||
|
Title: Re: bank charges Post by chrali on Apr 15th, 2008, 3:36pm on 04/14/08 at 23:27:38, taliban aka Cheekyboy2 wrote:
You dont have to be a working mum for this ...... I'm soo skint my scorps not moved since the 5 mile drive from where I've bought it. Its a bit of an assumption to assume if your skint its all YOUR fault. Not so !!!! As for the bank charges themselves, its purely electronic transfers that cost the banks mere pennies (if that!). The problem is that the bad people ( like me ;D ) are subsidising the free banking for everyone else. If the banks were overruled on charges, you can bet that would be the beginning of the end for free banking for accounts in credit ?????? Perhaps its fairer for all if we did. :-/ |
||||||
|
Title: Re: bank charges Post by taliban aka Cheekyboy2 on Apr 15th, 2008, 7:35pm yeah thats all very well Andrew and of course people can have different opinions i've got nothing against that at all, everyones situation is different, but when i posted the thread no opinion was asked for, requested, or wanted....... ::) |
||||||
|
Title: Re: bank charges Post by sector-9 on Apr 15th, 2008, 11:37pm Whilst I may not agree with Amigafan (and there are lots around who do - just look at the forums for reclaiming charges!), he does raise an interesting point: If things are going pear shaped financially then it's often necessary to make cut backs or give up on non-essentials and for some that can be difficult to adjust to. We have a girl at work like this, who as a colleague summed up, has "princess' tastes but a pauper's wage". Having said that, the remark about cancelling broadband, etc. whilst it sounds like good advice, is often just not possible in the real world as broadband/mobile are done on a contract basis where you've agreed to pay XX/month for a year, 18 months, or more. Nobody would argue it'd be foolish to commit to a new contract if you're already in over your head, but if you lose your job two months into one, you're still obliged to find the money for the rest of the term and often with no chance of cancellation. In the same vein, you can't just 'stop using it' so that you don't get billed - it may reduce but you've still got a basic service charge. I speak from experience, it took me a long time (and learning to budget, combined with pay rises over the years) to claw my way out of £24K of debt. In actual fact I'd probably only spent £13K but factor in the interest charges, payment protection, etc. over the five plus years and it's cost a fortune and put me well behind schedule for getting on the housing ladder. Darren |
||||||
|
Title: Re: bank charges Post by amigafan2003 on Apr 16th, 2008, 9:01am Quote:
Couldn't have said it better myself. On the point of "learning" how to budget, I agree with you - when I was very young (15/16) I found it very hard to control my budget - I suddenly had £150 a week coming in and I couldn't spend it quick enough. I'm now 30 and have a much more mature spending attitude. On the subject of contracts I agree with you - I actually think 18month phone contracts are the spawn of the devil. Plenty of 1 month contracts out there though if you're prepared to do some searching and haggling. |
||||||
|
Title: Re: bank charges Post by Bren on Apr 17th, 2008, 2:12am Take a look on the //gmtv website. There's a link on there for this very subject in the money or your money section (summat like that anyway) I am in the process of clawing back my girlfriends credit card excess charges(well what do you expect she is blonde after all), but bank charges are there also. Check your credit cards for the same thing anyone interested because they are at an earlier stage of all this and not got to the court cases stage of things. The people I know who have already done this have mostly had FULL refunds, not just the difference between fair and excessive. There' also an interest calculating tool that you can enter the charges and get a print of the totals Better still here's the direct link to the bit of the site http://forums.moneysavingexpert.com/showthread.html?t=400981 |
||||||
|
Title: Re: bank charges Post by taliban aka Cheekyboy2 on Apr 17th, 2008, 3:09am yeah i got all the paperwork today including credit cards, havent looked through it all yet but it seems the credit claims are on mis sold insurance policies.... |
||||||
|
Title: Re: bank charges Post by scorpio_man on Apr 24th, 2008, 6:43am http://news.bbc.co.uk/1/hi/business/7362856.stm |
||||||
|
Title: Re: bank charges Post by amigafan2003 on Apr 24th, 2008, 8:50am Yup - looks like we're all going to lose "free banking" then. Great - I've never had a bank charge levied at me in my life and I'M the one that's going to lose out! Grrrrrrr. |
||||||
|
Title: Re: bank charges Post by Scorpio_Mike on Apr 24th, 2008, 11:44am http://news.bbc.co.uk/1/hi/business/7364422.stm |
||||||
|
Title: Re: bank charges Post by Kjetil S on Apr 24th, 2008, 12:09pm I don't see why they should choose between high overdraft fees and "free banking". Up here (Norway) we have reasonable overdraft fees AND free banking. It can be done! Lets say I have 400NOK in the red on my accound (approx £40). It will cost me nothing more than around £1-2 in overdraft fees. And yet I pay nothing in monthly or annual charges. I read the BBC article, and I really can't see how banks can defend taking £180 per month in fees for something like this. |
||||||
|
Title: Re: bank charges Post by amigafan2003 on Apr 24th, 2008, 2:58pm It's not overdraft fees that's in dispute- it's the fines they charged for exceeding your arranged overdraft (i.e. unauthorised overdraft or spending money you don't have - like someone leaving a £10 note on the table and you spending it without thier permission, i.e stealing). The key is though the distinction between what is a fine and what is a charge - if it's a charge (like the banks say it is) then it is only reasonable for that charge to be the sum of costs involved. If it's a fine (which it really is but the banks deny it) then that's not allowed in UK law as the banks have no jurisdiction to levy fines. **Before someone says exceeding your pre-arranged overdraft facility isn't stealing, let me quote the definition of to "steal". Quote:
So the definition of to steal becomes even more valid for people that regulary exceed thier arranged over draft or even rely on it month in, month out. Braces for incoming flames. |
||||||
|
Title: Re: bank charges Post by Kjetil S on Apr 24th, 2008, 3:05pm I don't have any arranged overdraft on my account, so any overdraft is unauthorized :) The banks up here make you pay a (relatively) small percentage of what you owe them as interest but nothing more. Here's something to think about: Banks don't need charges/fees/etc. to make money. They make money out of investing and interest on loans, and the money they use is from our savings accounts. So no need to have monthly/annual charges. |
||||||
|
Title: Re: bank charges Post by peteHull on Apr 24th, 2008, 4:03pm I have read these posts with interest and can only reiterate what I said in my first post on this topic.... We still haven't had any bank charges/fines. ::) Pete Quote:
|
||||||
|
Title: Re: bank charges Post by taliban aka Cheekyboy2 on Apr 24th, 2008, 5:28pm so according to amigafans 'way' of thinking/belief lots of us are thiefs, something he posted a long time back on this thread then went back and edited as he has with most of his posts on the thread. so then, due to amiga's 'logic' im a thief, the reason; i went over the overdraft limit, now, i didnt know i was doing this when it happened, but there ya have it, im a thief. but, then so is my bank under the same 'amiga logic'; they take my money (when im in credit ::)) and use it for their own investment to make themselves even more money. this is all quite pointless though as amiga probably without realising points out with his definition of stealing; lets look at the first part of the quote, its very simple english; 'to take the property of another wrongfully' so then, by amiga's own quoted definition, where have i taken property wrongfully? hmmmm, well, i did once recently go over my overdraft limit, well, i didnt even know i had done it, so that brings some contention to the 'wrongfully' quote, however what exactly did i steal/take??? the fact is i didnt, it was given, again without my knowledge, but nonetheless given by the bank, which is not stealing, in fact depending upon circumstance it could be entrapment with an intention to fine (illegally) on a regular basis. so, i'll finish with this; amiga old chap, rather than instantly accuse a complete stranger(s) of being a thief you'd do well to slow down a tad, think about the facts of the situation (all you know is my bank charged/fined me £150 for going over my overdraft once, which lets face it is not a lot of info), and yes i know we all have opinions but the topic didnt ask for them, just think about things a bit more rather than assume, i.e. measure or ask someone the size of the rear speakers rather than assume and order the wrong size, or, another example, when one needs brake discs check the size you need because you never know, a cossie being a bit uprated in performance just might need uprated/bigger discs............ ;D |
||||||
|
Title: Re: bank charges Post by taliban aka Cheekyboy2 on Apr 24th, 2008, 5:36pm hi pete, yeah i know what you're saying but unfortunately (without going into detail) circumstances havent allowed for that. what also interests me is the credit insurance, or rather it being misleadingly sold, oh well, hopefully i'll get it sorted..... |
||||||
|
Title: Re: bank charges Post by sector-9 on Apr 24th, 2008, 10:05pm Well I disagree that exceeding your overdraft limit is stealing :P and I'll explain my logic: a) Unless it is a cheque which causes you to exceed your agreed limit, the bank know and have the option to accept or decline payment at the point of sale. This is mentioned in their terms and conditions, that they may decide to allow a transaction which would put you over your limit (and charge you for the priviledge), or they may decline it (and quite often still charge you for the priviledge!). b) If it was actual theft, then the banks have records of the time, date, and even place the "theft" took place - more than enough evidence to have the police prosecute. It's never happened simply because it's not a crime to exceed your overdraft limit - a breach of contract maybe, but that's a civil matter, not criminal. Of course, if you borrowed money (either inside or outside any agreed limits) and didn't pay it back ever then that would be a crime, though more likely classed as fraud than theft. As for free banking, we've never had that. Sure, we may not have had to pay a monthly or annual charge for banking for a long time, but banks lend at a higher rate of interest than they pay out, and they pass through payments artificially slowly (all the while they're earning interest on it themselves, whilst you aren't). This means that even if you never pay a bank "charge" in your life, the banks are still making money out of you simply by the way they do business. Don't believe me? Buy something using your debit card and it'll come off your balance the same day (so you stop earning interest on that much). Have it refunded immediately and it'll still take 3 working days before the money is back in your account and earning you interest again... Darren |
||||||
|
Title: Re: bank charges Post by amigafan2003 on Apr 24th, 2008, 10:19pm I never accused anyone of stealing - if people want to assume that's what I said then so be it. Oh, the joys of an internet forum :-) Quote:
Lol - personal attacks ftw! BTW - I did ask speaker size (on the forums) and was told they were 6*4's and the discs I bought weren't sold specific to any model - it was worth a punt as they were cheap :-) Jeez, I've really got under your skin haven't I? Chill out, have a beer - this is what DISCUSSION groups are about. Not everyone will agree with you or have a compatible opinion. Thanks for your input on why you don't consider it theft - it's been an interesting read and change the way I feel about it slightly. Keep the discussion going, but please don't resort to personal attacks etc. |
||||||
|
Title: Re: bank charges Post by taliban aka Cheekyboy2 on Apr 24th, 2008, 10:41pm my apologies i didnt realise you'd asked about the speakers...however, that and the discs were like a piece of string dangling in front of a cat... ;D as for personal attacks, not accusing people of stealing? you need to read back through your posts and remember the bits you've edited; but only after enough time for the people they're aimed at to have read them, but i have assumed nothing, just read what was written, re read your last post |
||||||
|
Title: Re: bank charges Post by scorpio_man on Apr 24th, 2008, 10:47pm THIS TOPIC IS NOW CLOSED. please read this post (http://www.fordscorpio.co.uk/cgi-bin/yabb/YaBB.pl?board=OT;action=display;num=1185043221)very carefully. andrew forum admin team |
||||||
|
Title: Re: bank charges Post by Snoopy on Apr 29th, 2008, 7:44am So that there is NO misunderstanding with regards the "BANK CHARGES ", you can read the FULL Judgement (http://www.judiciary.gov.uk/docs/judgments_guidance/oft_judgment_240408.pdf) by following the link , for thse of you that might be interested . |
||||||
|
Ford Scorpio Forum » Powered by YaBB 1 Gold - SP 1.3.1! YaBB © 2000-2003. All Rights Reserved. |