Quote:
Originally Posted by arcamalpha2004
Which is why the guy who started this whole thing rolling advises people to take out a new account first, then put the claim in.
As for agreeing that they ( the bank ) were not in the wrong, ( who can decide this now?  ) 
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The advice to open new accounts prior to claiming was to have a safety net if the respondent elected to close the claimant's account in the event of a successful claim for refund. The "future charges at the newly reduced rate" clause only became a tactic on the part of the banks after the April 6th OFT report.