Got a £145 refund today from my old mortgage company Bristol and West - overcharging on exit fees. Ive done my bit

Could you write my letters, I have paid off a mortgage or two in the last six years..keep meaning to check this out

So the test case went against the banks. Lisa will be happy as shes got a claim in for £1200

It will be interesting to see how they then respond, I personally fear the idea of free banking for those who maintain salary credits and do not go overdrawn may go for a while.

As ever the poorest people will be the ones to suffer

It actually went both ways. And was not a judgement on the fairness of the charges, just the the OFT can now investigate it.

The judge also ruled that bank T&C's are fair and not missleading, which is a significant win for the banks.

All claims are still on hold.

They were fighting for the right to look into it. That's what the case was about. Not about the charges themselves.

Yes, they won that right, but not as far reaching as they wanted to.

This is only that start of a long process which, once again, the dam ned media is not reporting correctly.

It seems inevitable now though, given that it was the OFT that took the banks to court, that these charges are deemed 'unfair' ??

I agree the whole process will drag on though.

They still have to prove the case. To be fair, I do think things will change (whether I agree with the rest of us who can manage their money having to pay for it or not) but it will be a while yet.