Discussion
CAG= CONSUMER ACTION GROUP.
New bank charges victory
In the first bank charges court claim victory since the Supreme Court test hearing, Oliver Foster-Burnell sued Lloyds TSB for the return of bank charges levied against his current account.
Judge Stockdale held that despite the Supreme Court judgment, the unarranged overdraft charges levied on Mr Foster-Burnell were contrary to the requirement of good faith under the Unfair Terms in Consumer Contract Regulations 1999.
This states that:
‘(1) A contractual term which has not been individually negotiated shall be regarded as unfair if, contrary to the requirement of good faith, it causes a significant imbalance in the parties’ rights and obligations arising under the contract to the detriment of the consumer’
The bank was ordered to reimburse the claimant £743 in charges plus interest.
The court also awarded the claimant non-pecuniary damages of £1000.for a related incorrect default to his credit file.
Millions of council PCN's could be reclaimed
Motorists could demand the refund of more than £100m in parking fines, after what experts described as an “explosive” tribunal ruling left local government traffic officials in “absolute panic”.
Many councils outsource parking enforcement to private companies who, in many instances, also handle the appeals process.
But the regulations do not allow this. All appeals are supposed to be handled by councils, not private companies.
The Traffic Penalty Tribunal has ruled that council contractors must not be left to process parking ticket objections.
As a result, 13 motorists in Gloucestershire were refunded their parking penalties and awarded costs.
The decision has widespread implications for council who have ignored the regulations.
Any comments from our learned gents who post on here?
New bank charges victory
In the first bank charges court claim victory since the Supreme Court test hearing, Oliver Foster-Burnell sued Lloyds TSB for the return of bank charges levied against his current account.
Judge Stockdale held that despite the Supreme Court judgment, the unarranged overdraft charges levied on Mr Foster-Burnell were contrary to the requirement of good faith under the Unfair Terms in Consumer Contract Regulations 1999.
This states that:
‘(1) A contractual term which has not been individually negotiated shall be regarded as unfair if, contrary to the requirement of good faith, it causes a significant imbalance in the parties’ rights and obligations arising under the contract to the detriment of the consumer’
The bank was ordered to reimburse the claimant £743 in charges plus interest.
The court also awarded the claimant non-pecuniary damages of £1000.for a related incorrect default to his credit file.
Millions of council PCN's could be reclaimed
Motorists could demand the refund of more than £100m in parking fines, after what experts described as an “explosive” tribunal ruling left local government traffic officials in “absolute panic”.
Many councils outsource parking enforcement to private companies who, in many instances, also handle the appeals process.
But the regulations do not allow this. All appeals are supposed to be handled by councils, not private companies.
The Traffic Penalty Tribunal has ruled that council contractors must not be left to process parking ticket objections.
As a result, 13 motorists in Gloucestershire were refunded their parking penalties and awarded costs.
The decision has widespread implications for council who have ignored the regulations.
Any comments from our learned gents who post on here?
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