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|Posté le: Jeu 18 Oct - 03:06 (2018) Sujet du message: Overland Limite
|Banks in the United Kingdom are under increased pressure to pay back the thousands of customers who they have been overcharging. And this means six years worth of refunds. All this comes from a case last year when a bank was taken to court by a customer who wanted those charges refunded. With the bank failing to show up Discount Chicago Bears Jersey , the court had no option but to uphold the claim, and refund the gentleman. This story has caused a sensational media storm, and raised awareness to just how much the banks have been allowed to get away with.
The media coverage seems to have also forced the hand of The Office of Fair Trading (OFT), who has launched an investigation into bank charge levels. It was The OFT who imposed a ?12 restriction on credit card companies, stating customers could be charged no more than this for late payment s and over limit fees.
The court case that started the ball rolling Discount Cincinnati Bengals Jersey , was initiated by a solicitor. His claim was that the money his bank had charged him, was in breach of a law, which states that financial penalties cannot be accrued on a non-negotiated contract. A law drawn up in 1915, it states that a bank account?s terms and conditions, make it a non-negotiated contract. Under this law Discount Denver Broncos Jersey , banks are only authorised to reclaim their actual financial loss in relation to any breach of contract. So if they have a customer that goes over his or her overdraft limit, and they have to generate a letter, they should only be chargimg the customer for how much it cost them to actually make the letter and send it. The cost of this, according to the banks, is ?28-?40. And this cost is applicable for every day after that Discount Detroit Lions Jersey , that is spent overdrawn, and also for any direct debits or cheques unpaid. These charges are widely thought unfair, and not comparative with how much the management of an overdraft actually costs the bank. It is therefore deemed unlawful.
So for a period that is inclusive of the previous 6 years, the U.K. law states that people can claim back the money that is owed to them. The banks have only been capable of defending their shamefully bloated charges to the media. In a court of law, where it matters Discount Green Bay Packers Jersey , they fail to even show. This is because they will be incapable of showing that their loss is anywhere near the amount that customers have been charged. If they were to loose just one case in court, they would be liable to pay back every single customer. Their money spinning fee structure would have to be scrapped. A ?4.5bn profit last year from penalty charges means that the banks don?t want to go to court. They will just refund anyone who claims against them.
It isn?t just a case of sending the bank a letter though. What the banks are doing is waiting until they are summoned to court. They then play with their valued customers, to see who will pull out first. All very moralistic. This does not seem likely to stop. The only thing that is likely to stop it is if the banks go to court, which they will not, or if The OFC bring in restrictions to stop the banks from being able to charge people so much. So the needy people who are experiencing financial difficulty will just have to carry on suffering.
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This article is written by Jonathan L Walker Discount Indianapolis Colts Jersey , on behalf of Claims Management UK, specialising in helping people with their Reclaim Bank Charges
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