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MoJ to Probe Penalty Charge Firms MoJ to Probe Penalty Charge Firms Ministry of Justice is to investigate firms offering to recover bank penalty charges on no win, no fee basis, concern at cold call sales tactics 18.05.07 BBC, Bank Penalty Charges, Banking Law, Consumer Credit, Ministry of Justice

Bank Charge Case Goes to Trial Bank Charge Case Goes to Trial Case brought by Tom Brennan against NatWest, asking for exemplary damages in recovery of £2500 penalty charges, Judge Simpson expecting case to be 'closely argued' 01.05.07 Guardian, Bank Penalty Charges, Banking Law, Consumer Credit, Financial Services

Revision of Unfair Contracts Revision of Unfair Contracts OFT is to revise guidelines on unfair contracts, hopes to help educate consumers in their rights and train businesses to understand the regulations 27.04.07 Personal Computer World, Business Regulation, Retail Law, Unfair Contracts

EU Votes to Cut Mobile Charges EU Votes to Cut Mobile Charges EU parliament industry committee has voted for sharp cut in charges for mobile phone calls across EU borders, much lower than charges suggested by operators 13.04.07 Financial Times, EU Law, Mobile Telecoms

FSA to Probe Mortgage Market FSA to Probe Mortgage Market FSA is to undertake review of retail mortgage market, special interest in 'sub-prime' sector, lending to people with low credit rating, source of unravelling in US housing market 11.04.07 Telegraph, FSA Press Release, Consumer Credit, Financial Services, Financial Services Authority, Property Law

OFT to Study Bank Pricing OFT to Study Bank Pricing OFT is to extend study of current account charges to cover entirety of retail banking prices, avoiding a 'quick-fix' solution and seeking to build picture of scope of services 30.03.07 Times, OFT Press Release, Bank Penalty Charges, Banking Law, Competition Law, Consumer Credit

Ofcom Tariff Cuts Please No One Ofcom Tariff Cuts Please No One New rules from phone regulator Ofcom criticised on both sides, mobile operators say they will make no difference, fixed-line operators say they do not go far enough 28.03.07 Financial Times, Mobile Telecoms, Telecoms

Safeguards for Xmas Clubs Safeguards for Xmas Clubs New rules will require Christmas clubs to ringfence customer money, follows collapse of Farepak, £33m loan to parent European Home Retail was not repaid 28.03.07 BBC, Consumer Credit, Farepak, Financial Services

High Rate of Penalty Charge Refunds High Rate of Penalty Charge Refunds Around 85% of people making claims related to bank penalty charges get at least partial refund, only a third of those entitled have made claims 23.03.07 BBC, Bank Penalty Charges, Banking Law, Consumer Credit

Jowell Ready for Law on Quiz Shows Jowell Ready for Law on Quiz Shows DMCS secretary Jowell is ready to legislate to regulate TV phone-in quiz shows, waiting on current investigations by Ofcom and Icstis, consideration of rule to broadcast odds of connection, shows could be reclassified as gambling 22.03.07 Telegraph, Broadcasting, Media Law, Premium Rate Phone Lines

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OFT Challenge to Free Banking OFT Challenge to Free Banking OFT has today launched a market study into personal bank current account pricing, alongside a formal investigation into the fairness of charges for unauthorised overdrafts and returned items, will help OFT consider the current level and incidence of the charges in the broader context of efficiency, transparency, value 26.04.07 BBC, OFT Press Release, Bank Penalty Charges, Banking Law, Competition Law, Financial Services

Redress for Competition Breaches Redress for Competition Breaches Office of Fair Trading (OFT) has published a discussion paper on private actions in competition law and how consumers and business can get effective redress for breaches, aim to inform OFT response to forthcoming EU white paper, main focus of the paper is the extension of representative actions (not class actions) 23.04.07 Law Now, Competition Law, EU Competition, EU Law, Litigation

OFT Call for Private Competition Actions OFT Call for Private Competition Actions The OFT is today publishing a discussion paper and announcing informal consultation on facilitating private actions in order to optimise the effectiveness of competition law in the UK, and to make redress for consumers and business more accessible The Lawyer, OFT Press Release Reforms would make up for OFT withdrawal from 'high-impact' cases, open way for class actions 19.04.07 Financial Times, Compensation Law, Competition Law

CC Issues Statement on PPI CC Issues Statement on PPI The Competition Commission has published an issues statement on its investigation into payment protection insurance (PPI), identifies areas relevant in deciding whether the market for PPI restricts, distorts or prevents competition 13.04.07 Competition Commission, Competition Law, Consumer Credit, Financial Services, Payment Protection Insurance

Consumer Credit Act In Force Consumer Credit Act In Force The 2006 Consumer Credit Act came into force on April 6, gives consumers rights to take complaints about lenders to the Financial Ombudsman Service (FOS) and challenge unfair credit agreements in court 10.04.07 DTI Press Release, Banking Law, Consumer Credit, Financial Services, Unfair Contracts

Bailiff Entry Will Require Licence Bailiff Entry Will Require Licence New safeguards to protect householders in disputes over debts have been announced, bailiffs will not be given powers to enter domestic premises until a strict new licensing regime comes into effect 21.03.07 DCA Press Release, Debt Collection, Department for Constitutional Affairs, Tribunals Service

OFT Targets Fake Lotteries OFT Targets Fake Lotteries As part of Scams Awareness Month, OFT is targeting consumers to raise awareness about bogus lotteries, sent out by mail, e-mail or telephone in their hundreds of thousands, inform consumers that they have won a major cash prize, asked to send money upfront to cover processing fees or taxes 20.02.07 OFT Press Release, Fraud, Gambling Law

FSA Warns on Insurance Adverts FSA Warns on Insurance Adverts Financial Services Authority (FSA) has warned insurance firms to stop using savings claims which could mislead consumers in their advertising, follows review of press advertisements 17.01.07 Financial Services Authority, Advertising, Financial Services, Insurance

Conusmer Code Approval Conusmer Code Approval Carpet Foundation has become first trade body within home furnishings sector to successfully secure OFT approval for its code of practice under the OFT's Consumer Codes Approval Scheme (CCAS) 03.01.07 OFT Press Release, Competition Law, Retail Law

Crackdown on Illegal Lending Crackdown on Illegal Lending Treasury to provide specialist enforcement teams to tackle illegal money lending, complement to govt strategy of increasing the availability of affordable and appropriate sources of credit for those suffering from financial exclusion 04.12.06 HM Treasury, Consumer Credit, Criminal Justice

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Court Rejects Penalty Charge Claim Court Rejects Penalty Charge Claim Judge Cook at Birmingham County Court has dismissed claim against Lloyds TSB for repayment of penalty charges, Kevin Berwick failed to show charges were not cost of providing service 16.05.07 Guardian, Bank Penalty Charges, Banking Law, Financial Services

First Case to Test Penalty Charges First Case to Test Penalty Charges Lawyer Tom Brennan is bringing a court case against NatWest for hundreds of pounds in penalty charges racked up when he was a student, believed to be first case to go to hearing 12.04.07 Reuters, Bank Penalty Charges, Banking Law, Consumer Credit

Bailiffs Pursue Penalty Charge Repayment Bailiffs Pursue Penalty Charge Repayment Bailiffs called on the Halifax yesterday to collect repayment of £1900 in illegal penalty charges, banks says the court order was rescinded 05.04.07 Bank Penalty Charges, Banking Law, Consumer Credit, Debt Collection

JJB Sued for Rip Off Football Strips JJB Sued for Rip Off Football Strips Consumer watchdog Which? is to go bring first class action under Enterprise Act, against sports retailer JJB, says firm over-charged for football shirts and will seek £20 for each claimant, papers laid before Competition Appeals Tribunal 14.03.07 Times, Competition Law, Enterprise Act, Retail Law

Which? Shoots for JJB Strips Which? Shoots for JJB Strips Consumer group Which? has launched a 'supercomplaint' suit against JJB Sports, powers under Enterprise Act allow it to act on behalf of consumer groups, claims retailer over-charged for replica football shirts 09.02.07 Times, Competition Law, Retail Law, Sports Law

Legal Action on Cruise Ship Illness Legal Action on Cruise Ship Illness Irwin Mitchell partner Suki Chhokar says inquiries for claims against cruise line operators, suspicion ships not sufficiently cleaned between voyages 06.07.06 Times, Personal Injury

Store Cards Store Cards Competition Commission has published final decision on store cards, confirms interest rates 10-20% too high, stores will need to publish warnings on statements 07.03.06 CC Press Release, Competition Law, Consumer Credit

Bank Charges Bank Charges High Ct to be asked today for 'declaration' that penalty charges imposed by banks are illegal, should not be more than needed to cover cost of service 20.02.06 Guardian, Banking Law, Financial Services

Apple Nano Apple Nano Consumers in UK and Mexico are launching claims against Apple, saying screens on iPod Nano are flawed, named claimant Ben Jennings says screen unreadable in a week 09.11.05 BBC








2 Harcourt Expands 2 Harcourt Expands Kevin de Haan QC, Gerald Gouriet, Mark Harris and James Rankin to join licensing and regulatory practice at 2 Harcourt, also Harry Spurr and Juan Lopez, both with public law and licensing practices 22.05.06 2 Harcourt Buildings Press Release, Barrister Practice, Environment Law, Legal People, Licensing

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