Andy Millne

Absolutely he didn't do his homework, if he had he would have known that bank charges for exceeding overdrafts are NOT illegal, the bank is perfectly entitled to charge a fee for this. The fact is though that the current level of charges are at astronomic levels in proportion to the banks costs and as such are unlawful.

Nope please see this thread. http://www.bedlington.co.uk/community/index.php?showtopic=735

well if the money would come in handy in your circumstances write to the banks solicitors and accept it as a partial settlement. Make sure you specify that you will continue with your claim to recover the full amount outstanding and don't sign their (illegal) ready-made full and final settlement form.

If the claim is for £1200 and they have only offered you £750 thats not a small sum you are walking away from if you settle early especially if you haven't figured in the interest on your £1200. The banks have now paid out an estimated figure of over £50million and they are still saying that their reasons for settling EVERY SINGLE CASE out of court is purely for economic reasons? come on get real! you think if they had a case they wouldn't have defended it by now in the courts? the reason they haven't defended is that they can get away with putting people off by taking ages to reply to letters, stalling by any and all means necessary and offering lower settlement amounts. This case with Tom Brennan is a seperate issue, he has already been offered a full settlement of the charges imposed plus interest and costs however he is pursuing a claim for further damages.

Time to lie down in front of the bulldozers yet?

The deal is that the banks charge you for exceeding your overdraft, cheque bouncing etc.. but the OFT have stated that they believe the amount charged to be unfair and in some circumstances this charge is as high as £75. A lawful charge would "accurately reflect the banks actual administrative cost". In other words the banks should be charging I would say at most about 50p per infraction (the cost to send an automated letter notifying you of your breach, I never received any letter incidently for any charge that was issued so I think even that is steep). So in brief an unfair charge is anything that doesn't accurately reflect the banks administrative charges and since the banks won't disclose their admin costs the whole of the charge is unlawful. I managed to recover all charges going back six years plus interest (don't forget to claim interest plus your court filing costs). no need for any solicitor. Don't take this on lightly however make sure you do your research thoroughly and build your case properly in the event that it does (however unlikely) go to court. There is plenty of information out there.

You should absolutely NOT take the offer. I have already been through the process and sure enough the bank settled in full before going to court. Not a single case has gone as far as the courts so just hold out, fill in your court allocation questionaire, wait for a court date and the cheque to land on your doormat. Plenty of advice available from the consumer action group website and the motley fool website. http://www.consumeractiongroup.co.uk/ http://www.fool.co.uk/news/your-money/curr...rd-charges.aspx I voted wait for tom's decision but really just get the forms in to the courts on time and wait for the settlement in full. The above doesn't constitute legal advice ..... blah blah blah..... all lawyers are rogues...... blah blah blah ........ Santa Clause does not exist.

Nope thats the Trotter memorial. Market cross is the obelisk like structure in the market place.

The unread posts image is about to be redesigned, what are your thoughts for a replacement. Please vote now. - The current image. The image is displayed on the forum index page and is responsible for alerting you to the fact there are unread posts within the forum. Clicking it will mark all posts within the forum as read.

I was Andy but not a regular poster.

Can't beat a hot millyuns chicken kebab!

Fixed

Seems a XSS fix has caused that error. Working on fix now.

Also voted and will continue to do so. 27th 28th

Will be interesting to see which of the rumours (if any) are true. Internet Cafe would be good but I would have thought it was a little on the big side for just that. http://www.bedlington.co.uk/community/index.p...y&cmd=si&img=18

I can tell you this is speculation.

A virtual marra

Anybody know what's going on opposite the law courts towards the Market Place? There has been a JCB out there clearing the ground and levelling it out. Preparing for building work?

Considering no emails have been sent to let people now it's back I don't think we're doing too bad. All the members up to now have simply discovered the site is back themselves.

You mean you would like to use it as an emoticon? like these? They are generally there to illustrate emotions. I will add it only if you can come up with a suitable emotion it will illustrate.

No refund? that's ridiculous. You feeling OK now?

142857 * 2 = 285714 142857 * 3 = 428571 142857 * 4 = 571428 142857 * 5 = 714285 142857 * 6 = 857142