WikiWirral values you and your opinion.
Forum Stats
12185 Members
65 Forums
72610 Topics
978432 Posts
79 posts in the last 24hrs
Max Online: 7831 @ 8th Apr 2013 4:18pm
Who's Online - Click Me
90 registered (11kendo, 15 invisible), 1519 Guests and 193 Spiders online.
Key: Admin, Global Mod, Mod
Social Media : Follow Us


(Views 7days)This Weeks Most Read
Secretive mega shake-up of NHS could cost £15 mil 666
Found a mobile phone 14/01/2017 WALLASEY 405
Paypal help 394
Sometimes You Could Strangle Someone 367
RAC ,AA v Breakdown Recovery 336
When we live to be a 100 yrs old 333
Best Price for Scarpping my car 306
Spy in the wild 305
Parking Charges 296
Lost Mobile Phone 292
New General Forums
Test on old english words
by derekdwc
08:02 PM
Jets
by cools
12:14 PM
The Scouse Accent
by palemoon
18th Jan 2017 7:49pm
birthday wishes
by sunnyside
18th Jan 2017 12:48pm
New Wirral History
753 Sea Horse, Unit 9, Wallasey Waterfront
by Norton
18th Jan 2017 9:07pm
What was County Hall, Abbey Street, Birkenhead?
by yoller
15th Jan 2017 1:28pm
752 The Old Manor Club, Withens Lane, Liscard
by Norton
13th Jan 2017 2:20pm
751 Plough Inn, Mount Pleasant Rd, New Brighton
by Norton
13th Jan 2017 1:38pm
351 Prince Alfred 30 Tunnel Road 30 30 to 32
by yoller
8th Jan 2017 7:18pm
Forum Tips
Photo Gallery Forums
fireworks on the Mersey last night
Hadlow train station
Topic Replies
SwissGear suitcase only used once
by Beethoven
11:51 PM
Parking Charges
by Beethoven
10:05 PM
Tasering Again
by derekdwc
08:27 PM
Melamine faced chipboard ( Walnut or Oak )
by Reno37
08:06 PM
What song are you listening to?
by starakita
07:45 PM
Paper Recycling. ?
by fish5133
07:37 PM
Trump
by granny
06:35 PM
Animal Cruelty in the Film Industry
by cools
06:06 PM
Musicals
by granny
02:49 PM
January
M Tu W Th F Sa Su
1
2 3 4 5 6 7 8
9 10 11 12 13 14 15
16 17 18 19 20 21 22
23 24 25 26 27 28 29
30 31
Recent Posts : What's On ?
Indian/Jazz fusion music Liverpool
by buddy
17th Jan 2017 9:46am
Chinese New Year Liverpool
by paxvobiscum
15th Jan 2017 11:08am
Topic Options
Rate This Topic
#172447 - 15th Sep 2007 4:26pm Bank Charges Information
MattLFC Offline
Wiki Master

Registered: 14th Aug 2004
Posts: 22315
Loc: Moreton/Beirut/Mobile
Ive only just noticed this when checking my business account online, and as nobody has posted it, its deffo worth a post:

This applies to the following banks, although the actual text has been sourced from the Abbey website, and your own bank may vary its regulation slightly. It is also likely to apply to banks that are not listed below:

- Abbey
- Barclays
- Clydesdale
- HSBC
- Halifax/Bank Of Scotland
- Lloyds TSB
- Royal Bank of Scotland/NatWest
- Yorkshire Bank
- Nationwide Building Society

What is happening?
Originally Posted By: Abbey
On 27 July, the Office of Fair Trading (OFT), Abbey and six other UK banks and a building society started a court case to decide on the legality of unauthorised overdraft charges. The British Bankersí Association has made a statement on behalf of the banks involved. You can read this statement at www.bba.org.uk

This case is called a "test case" because the decision will clarify the law in this area and is likely to apply to all current and new claims against current account providers about unauthorised overdraft charges.

We will continue to post updates on our website to keep customers informed of progress on the test case as this could run for at least a year.

What will happen to customer complaints about unauthorised overdraft charges?
Originally Posted By: Abbey
Like most banks and building societies, we will not be dealing with or resolving customer complaints on unauthorised overdraft charges while the test case is running.

If you do complain about your unauthorised overdraft charges, we will write to tell you that we have received your complaint and that we will record it on your file. When a final decision is reached in the test case, we will contact you as soon as possible to tell you how we will resolve your complaint. We will apply the decision in the court case to all complaints we receive.

Why are the banks allowed to stop dealing with unauthorised overdraft charge complaints during the test case?
Originally Posted By: Abbey
We applied to the Financial Services Authority (FSA) for a suspension of the normal timetable for dealing with unauthorised overdraft charge complaints. The FSA decided that, in the circumstances it was appropriate to grant us a suspension of our obligations under the FSA's complaint handling rules while we sought legal certainty on this issue. The suspension is subject to a series of conditions designed to protect customers' rights. You can read the form of the FSA suspension here: www.fsa.gov.uk

All customers who have made a written complaint on unauthorised overdraft charges but who have not yet had their complaint resolved will receive a letter to explain the position with respect to their complaint.

Can I make a court claim for a refund during the test case?
Originally Posted By: Abbey
Yes, but we will apply to the court to put your case on hold while the test case is running. This is because the issues being raised in customer complaints on unauthorised overdraft charges are being considered in the test case.

Can I complain to the Financial Ombudsman Service about my bank charges?
Originally Posted By: Abbey
The Financial Ombudsman Service (FOS) has decided not to review complaints while the test case is running. If you do complain to FOS, you will receive a letter explaining that.

What if I have already been made an offer?
Originally Posted By: Abbey
We will stand by any offer to settle a complaint or court claim that we have already made to our customers. If you have received an offer to settle from us, we will be writing to you again shortly. Our letter will explain that customers have two months to decide whether to refuse our offer and wait for the decision in the test case. If you do choose to refuse an offer, your complaint or claim we will be held and recorded by us until there is a final decision in the "test case". We will then contact you again as soon as possible to finally resolve your complaint.

I have already accepted an offer from you. Will my claim be revisited?
Originally Posted By: Abbey
If you have accepted a 'full and final settlement', we believe it unlikely you would be awarded a further sum even if the test case indicates a potentially larger amount. However, this does not preclude you from asking for repayment of any new charges incurred if the courts find they are unlawful.

How long will the "test case" take?
Originally Posted By: Abbey
At this time it is too soon to give any exact timescales for a conclusion to the "test case" but it could go on for more than a year. We have agreed with the OFT and the FSA to conduct the test case in an efficient, prompt and orderly way.

Where can I find out more?
Originally Posted By: Abbey
Customers can contact us by calling 08456 022631 where they will hear an automated announcement and can then speak to an advisor.

Alternatively, you can find more information through the following links:

The Financial Services Authority: www.fsa.gov.uk

The Office of Fair Trading: www.oft.gov.uk

The Financial Ombudsman Service: www.financial-ombudsman.org.uk

The British Bankers' Association: www.bba.org.uk

Source: Abbey.com Press Release
Related Link: British Bankers Association Press Release

Top
Law & Order : Advertising
Click me for more Information......

WikiWirral Numbers : Between 150 and 200 New Members Every Month. With Over 3,500 unique visits and 35,000 Page Views each day. Average +500 Search Engines Daily and over 1,000,000 Million Page views a Month. Advertising from £20 . Click Me
#172450 - 15th Sep 2007 4:34pm Re: Bank Charges Information [Re: MattLFC]
Mark Online   Reading


Wiki Master

Registered: 9th Nov 2003
Posts: 21001
Loc: Wirral
I'm sure this has come to a conclusion, as i seem to remember Barclay's taking a test case on?

It may have been about the same time.
Possibly not as there has been loads in the News.

What about money market supermarket,
there sometimes on the ball.

http://www.moneysavingexpert.com/
_________________________
My Avatar images are all from the Wirral Gallery.Click Me
Wow Wirral History is coming along Great! Wirral History

we get +200 new members a month now smile

Top
#172472 - 15th Sep 2007 6:18pm Re: Bank Charges Information [Re: Mark]
MattLFC Offline
Wiki Master

Registered: 14th Aug 2004
Posts: 22315
Loc: Moreton/Beirut/Mobile
No, it never came to a conclusion, there was an OFT enquiry into bank charges and it was found that they are illegal.

However, the BBA began a court case to find out how illegal they are and to defend the banks.

That case if the one mentioned above.

Money saving expert can't help anyone with this, as it is legal proceedings, and if you read above, it is likely to take in excess of a year, during which time, the banks have been granted permission by different regulators to put on hold any new claims and claims that have no resolution at the above date.

Top

Moderator:  Mod 
Random Wirral Images

Click to View Topic.
Newest Topics
Animal Cruelty in the Film Industry
by granny
12:00 PM
Question Time
by derekdwc
19th Jan 2017 11:27pm
Sanctuary awaits 5 bears
by venice
19th Jan 2017 6:25pm
Parking Charges
by diggingdeeper
19th Jan 2017 3:01pm
Kitten found Arrowe park car park
by Greenwood
19th Jan 2017 2:42pm
For Sale & Free
SwissGear suitcase only used once
by newbrightonmole
08:54 PM
Melamine faced chipboard ( Walnut or Oak )
by Reno37
11:36 AM
Wanted freezer kit
by dodie
18th Jan 2017 9:58pm
2pioneer speakers Free
by dodie
18th Jan 2017 9:54pm
Looking to swap an xbox one for a ps4
by surykata
18th Jan 2017 8:10pm
Featured Member
Registered: 28th Feb 2011
Posts: 293
Newest Members
Glenburn63, Branco, Smudge22, Collette63, shellylou
12185 Registered Users
Today's Birthdays
MissGuided (42)
New Wirral Info
Paper Recycling. ?
by fish5133
19th Jan 2017 11:16am
Paypal help
by venice
17th Jan 2017 8:59pm
Brown Bin Collections Restarting Today 17th Jan
by fish5133
17th Jan 2017 9:04am
Indian/Jazz fusion music Liverpool
by paxvobiscum
15th Jan 2017 11:19am
Chinese New Year Liverpool
by paxvobiscum
15th Jan 2017 11:08am
News : New Topics
Tasering Again
by diggingdeeper
06:14 PM
Trump
by cools
04:16 PM
Nuns Abused Children in Care Homes.
by granny
12:13 PM
Parking Charges
by diggingdeeper
19th Jan 2017 3:01pm
Spectacles found.
by Beethoven
18th Jan 2017 1:02pm
New Enthusiast Forums
Animal Cruelty in the Film Industry
by granny
12:00 PM
Question Time
by derekdwc
19th Jan 2017 11:27pm
Sanctuary awaits 5 bears
by venice
19th Jan 2017 6:25pm
Kitten found Arrowe park car park
by Greenwood
19th Jan 2017 2:42pm
Puppy wanted good careing home offered
by chris7777
19th Jan 2017 9:07am
(Views 24hrs)Trending Newest Topics
Trump 259
Animal Cruelty in the Film Industry 146
Tasering Again 118
Melamine faced chipboard ( Walnut or Oak ) 87
Nuns Abused Children in Care Homes. 74
Jets 29
Wirral Sunrise Sunset
Sunrise Sat 8:12am
Sunset Sat 4:35pm
Local Time Sat 12:16am
WikiWirral Can . . . .