Cympil

So i wonder what time is correct? 4 or 5.30pm? I hope they go over the top with the xmas lights this year

:lol:

I just received this email about the Supreme Court Judgment for anyone who`s interested... Dear *** Supreme Court Judgment and what is means, Well I have just got back from London where I spent a lot of time trying to put right the media stories that the Bank's had won and this was the end for consumers, gladly I note that most of the Media have now reported that this case was not as important as many people thought is was: I am going to set out parts of the Judgment and explain what they mean if needed. After which I will outline what I think should happen next. The Judgment Firstly the Lord Walker highlighted the fact that many members of the public were not aware of the limited nature of the issue, which the court had to decide in the appeal. At Para 45 Lord Walker Said "…The Directive and the 1999 Regulations apply only to terms which have not been individually negotiated". Clearly the contract we all entered into with the banks has not been individually negotiated so the regulations do apply. Lord Philips Para 57. Stated the issue is whether the relevant charges constitute "the price or Remuneration, as against the services supplied in exchange†within the meaning of the Regulation. If they do not, the attack on the fairness of the term that is open to the OFT will not be circumscribed (restricted) by Regulation 6(2)b. If they do, then they will still be open to attack by the OFT on the ground that they are "Unfair†as defined by regulation 5(1) but that attack cannot be founded on an allegation that the Relevant Charges are excessive by comparison with the services which they Purchase, for that is forbidden by regulation 6(2)b So what does this mean, well it means that the Court has ruled that the charges for bounced direct debits and unauthorised overdrafts etc are part of the price for the services, therefore they cannot be tested for fairness under Regulation 6(2)b of The Unfair Terms in Consumer Contract Regulations 1999, However the Court has said that the OFT can assess the Fairness of the price under Regulation 5.1. According to other criteria. (See Para 59) This point is further explained in Para 80. Lord Philips states 'it seems to me that this reasoning is relevant not to the question of whether the Relevant Charges form Part of the price or remuneration for the package of the services provided but to whether the method of pricing is fair. (My emphasis added) It may be open to question whether it is fair to subsidise some customers by levies on others who experience contingencies that they did not for see when entering into their contracts. If not it may then be open to question whether the Relevant Terms fall within Regulation 5(1)….†Clearly his lordship highlighted that the court may be persuaded that it is unfair for some consumer to pay for services that other consumers benefit from for free. What's more it is mostly the consumers who are on low incomes and struggling financially that are paying for everyone else. This is in my opinion not fair, and shows the banks have not acted in "Good faithâ€. Or as Lord Mance's suggested in the trial, that 'the banks were engaged in a sort of Robin Hood in reverse' (see Para 2) I would suggest he means the banks were taking from the poor to subsidise the rich. All the Lords appear to have agreed with Lord Walkers final Paragraph that being 52, in which he said '…This decision is not the end of the matter', as Lord Philips explains in his judgment. Moreover Ministers and Parliament may wish to consider this matter further. They decided in an era of so-called "light-touch†regulation, to transpose the directive as it stood rather that to confer the higher degree of consumer protection afforded by the national laws of some other member states. Parliament may wish to consider whether to revisit that decision.' So what does all this mean, well it means the following 1. The OFT can still look at the charges under UTCCR 1999, and always has been able to. They could now launch a new test case. (However, what must be asked is why was there a two year test case on a very narrow point of law? when the OFT already had the ability to assess the fairness of theses charges under Regulation 5.1 and others ) 2. All consumers who have submitted a claim using the Old Particulars of Claim, arguing that the price was unfair and or that these are a penalty charges. Needs to amend their claim to include an argument under regulation 5.1. (a new Particulars of claim will be live on the site tomorrow with full instructions on what you need to do) 3. We also need to put pressure on the Government to amend the Regulation so we all have the same consumer protection rights that other member states have. (So get writing to your MP's a template letter for this will be on the site within 48 hours) 4. I am sorry to say but I would like to see the stay remain in place, for a least a month. This will give consumers time to amend their claims and other consumer groups and I will be discussing the possibility of joining forces to bring a joint Class action. I feel this would insure that we could make sure that all the legal arguments are covered in full. I will update you all on this when I have spoken to the other consumer forums. Finally, I will explain Regulation 5(1) in more detail on the site for those that are interested. However, what was important in this news letter is to confirm that this was basically a set back to the OFT and not to consumers. Claims can still be filed. The FSA has also lifted the Wavier. I hope that the OFT if they do decided to bring a new action, that they will now invite the consumer groups to the table. Something we asked them to do before this test case, sadly that request was refused. To conclude, the test case has only resulted in us having to amend the Particulars Of Claim and resulted in a two year delay, other than that we are back to the position we were in two years ago. So was this test case a victory for the Banks, yes they beat the OFT on a small point of law, they did not beat the consumer forums and or the consumers. Warm regards Stephen Hone

Argos have them, starting at £34 http://www.argos.co.uk/static/Product/catalogId/1500001801/partNumber/0522801.htm?storeId=10001&referredURL=http%3A%2F%2Fwww.argos.co.uk%2Fstatic%2FProduct%2FcatalogId%2F1500001801%2FpartNumber%2F0522801.htm&jspStoreDir=argos&referrer=COJUN&cmpid=COJUN

According to this site Tesco sells them.

I haven`t heard anything..the roof collapsed?

Bedlington`s xmas lights are going on at 4pm, December 3rd, according to this news article http://bedlington.journallive.co.uk/2009/11/bedlington-market-place-projec-1.html

Are you on about Lynns, opposite Grenfells?..that`s still there. I don`t know if they sell rabbit and pheasant though.

Warm Zone is offering a deal here http://bedlington.journallive.co.uk/2009/11/dreaming-of-a-warm-christmas.html Hard to say if it`s a deal or not really? I suppose it all depends how big your house/loft is. I`m pretty sure you get it done for nothing if your on benefits too.

That`s a good thing surely? A mouthfull of kangaroo testicle should stop them from trying to sing

Aye, you can pm me the code, although i haven`t been having much luck the last week or two. Saying that, who could of predicted a 9-1 win to Tottingham

Better leave it open, Mr Darn will want the last word (joking Mr Darn)

It was a bloke called James Earl Ray http://www.trutv.com/library/crime/terrorists_spies/assassins/ray/1.html

:lol: :lol:

I`ve still no idea who`s going to win this, the only one getting any coverage is Katie Price. Did anyone else manage to watch the Bush tucker trial with Katie and Kim? I say `managed` because i had to keep turning away For those that missed it, here it is Part 1 Part 2

It would have to be `Simply The Best` aka Cympil (Cympil/Simple) do you get it? eh eh eh http://www.youtube.com/watch?v=Ibtc9J9AUqk&feature=related God, i can`t stand that song

That`s a good name for Ant and Dec..The Wooden Tops

All the best for your Birthday, hope it`s a good`un!

I got 15 out of 20 correct.

Hope you have a great day!

I take it you haven`t had a look at my links?

I didn`t have you down as one of these excercise freaks Pete

So who do you follow on Twitter (if anyone) I see Cheryl Cole is on it often enough http://twitter.com/CherylKerl Stevie Wonder likes to Twitter too http://twitter.com/_Steviewonder If you follow anyone on Twitter, post your links here

I can see your point, money has never been a factor as far as i`m concerned. My family, privacy etc is the most important thing. But for these `celebs`, attention, greed and money come above anything else, they`d sell their souls to get a bit attention. I`m sure they`ve all got a mental illness. Again, that`s why i like to watch this programme, i can sit in my council house and look at those lot with all their wealth and think `i`m so glad i`m me` Stupid feckers..they need a good reality check like.

Your choice I do agree though, that the reason they go on there is because they`re getting desperate, but to me it just makes the show all that funnier. The things they do eh