Cable Forum - Reclaim Your Bank And Card Charges

Cable Forum (https://www.cableforum.uk/board/index.php)

- Current Affairs (https://www.cableforum.uk/board/forumdisplay.php?f=20)

- - Reclaim Your Bank And Card Charges (https://www.cableforum.uk/board/showthread.php?t=47635)

Re: Reclaim Your Bank And Card Charges

A slight diversion to the topic, but maybe the next one to tackle in the UK...
http://www.ccfsettlement.com/

Quote:

The lawsuit is about the price cardholders of Visa-, MasterCard-, or Diners Club-branded payment cards were charged to make transactions in a foreign currency, or with a foreign merchant, between February 1, 1996 and November 8, 2006. Plaintiffs challenge how the prices of credit and debit/ATM card foreign transactions were set and disclosed, including claims that Visa, MasterCard, their member banks, and Diners Club conspired to set and conceal fees, typically of 1-3% of foreign transactions, and that Visa and MasterCard inflated their base exchange rates before applying these fees. The Defendants include Visa, MasterCard, Diners Club, Bank of America, Bank One/First USA, Chase, Citibank, MBNA, HSBC/Household, and Washington Mutual/Providian. They deny the Plaintiffs' claims and say they have done nothing wrong, improper, or unlawful.

Yet have agreed a settlement.

Re: Reclaim Your Bank And Card Charges

Quote:

Originally Posted by Mr Angry (Post 34255747)

<snip>
As for I**a you have two options.

1. Treat them the same as Barclay card.

2. Write to them (in crayon, using the hand you normally don't write with) advising them that you are an adult with a weekend alcohol dependancy who is in the habit of buying Swan Vesta matches as and when the notion might take you.

Good luck with both.

PMSL :rofl:

Quote:

OB - check your emails, bitch!

LOL. Brilliant. Have checked them. Will email you back. Sir. ;)

Re: Reclaim Your Bank And Card Charges

From where I am sitting it looks as if banking execs have lobbied number 10 and pushed for this delay.

Re: Reclaim Your Bank And Card Charges

This and the new Fastpayment system that Danielf (I think) mentioned yesterday I think the banks are in for a tough year. What's the betting they'll still come out with record profits!

Re: Reclaim Your Bank And Card Charges

Hi all

This looks like it will force the case in court.............Natwest bank has offerred Tom Brennan well over what he is claiming to drop the case !

http://news.bbc.co.uk/1/hi/programme...ox/6530315.stm

Mike

Re: Reclaim Your Bank And Card Charges

Tom is running a very risky strategy, for whatever reason, and I'm not sure he'll get the result he's hoping for. As has already been evidenced, now tens of thousands of times, the banks have no wish whatsoever to go to court to defend their cost structures. He's a young recently qualified barrister who is looking to make a name for himself by forcing the bank into the court using a side issue of "damages" as leverage.

On that basis I'm not 100% sure he'll succeed. I am, however, 100% sure if he loses the banks will use the precedent to enforce their stance that they believe their charges are "fair" (not legal mind you, but "fair").

Fingers crossed that this Friday 13th doesn't become an inadvertent landmark ruling for the banks.

Re: Reclaim Your Bank And Card Charges

We'll have to wait til the 30th now.
http://news.bbc.co.uk/1/hi/business/6552627.stm

Re: Reclaim Your Bank And Card Charges

Businessman squeezes ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£36,000 out of natwest :)

http://news.bbc.co.uk/1/hi/business/6559673.stm

Re: Reclaim Your Bank And Card Charges

Quote:

Originally Posted by Russ B (Post 34276775)

Businessman squeezes ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£36,000 out of natwest :)

http://news.bbc.co.uk/1/hi/business/6559673.stm

Yep, I noticed that too Russ, It makes me wonder where it will all end up, from a litigation point of view.

Somebody will make a mistake in sueing a certain bank, then uncertainty will creep in methinks.

Maybe the whole T&C of banking should be reviewed?

Re: Reclaim Your Bank And Card Charges

Hi there Mr Angry and co,

Can I skip number 1 below and start from number 2 as in the data protection act (dpa) letter? I thought I read in some other thread to start of with the dpa letter? :confused:

Quote:

Originally Posted by Mr Angry (Post 765117)

Don't use that template letter - it's too broad ranging and could serve to undermine your case.

There is a process to conducting a successful claim which you must follow.

1) Write to the bank and ask them to refund all penalty charges applied to your account over the last six years.

2) When they refuse then write to the bank making a subject data request under the 1998 Data Protection Act citing exemptions under CH35 part 2 (a) & (b)
-------------
Part IV Exemptions

35. - (1) Personal data are exempt from the non-disclosure provisions where the disclosure is required by or under any enactment, by any rule of law or by the order of a court.

(2) Personal data are exempt from the non-disclosure provisions where the disclosure is necessary-

(a) for the purpose of, or in connection with, any legal proceedings (including prospective legal proceedings), or

(b) for the purpose of obtaining legal advice,
-------------
Allow them forty days to comply with your request and remember to enclose a cheque payable to them in the sum of ÃƒÆ’Ã†â€™ÃƒÂ¢Ã¢â€šÂ¬Ã…Â¡ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£10.00 (the statutory fee payable for this information).

Once you receive your data then work out the charges and the 8% interest and you then write to the bank asking that they refund same within fourteen days otherwise you will initiate County Court proceedings for recovery.

Re: Reclaim Your Bank And Card Charges

i rang them up direct and they sort it out foryou the and they will get the money back for you i rang them 2 weeks ago and they rang me friday to say that they are goin to put ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£1200 back into my bank account and today it was in good lads here is the number to ring 08450801800but ring b4 they agree settlement with the banks

Re: Reclaim Your Bank And Card Charges

Quote:

Originally Posted by ntl engineer (Post 34283687)

Nice going but what bank was that for ?

Re: Reclaim Your Bank And Card Charges

Quote:

Originally Posted by bopdude (Post 34283766)

Nice going but what bank was that for ?

That number is for the financial ombudsman services:shrug: