
The world moves forward, not by chance, but by the hands of those who dare to shape it. Law, like
“AI AND THE LEGAL PROFESSION”, By Robin Ghurbhurun, Governing Board, NALP AI is impacting us all, and paralegals are no
In today’s hyper-connected world, law firms are entrusted with safeguarding a treasure trove of sensitive information. From intellectual property and
The increase in AI is leading to innovations in numerous sectors and industries. AI has boosted the capabilities of numerous
Our Founder, Gav Ward, is pleased to have contributed in December to The Legal AI Retrospective by Genie AI, The
The Universal Declaration of Human Rights (UDHR) remains one of the most significant legal documents of the 20th century. However,
WardblawG supports the ECtHR move in its entirety and wishes Ms Allison Walls the best of luck. May Justitia swing her sword in her favour.
Good news! I have been charged only £5.00 for going 70p into the red. Perhaps fair because the bank was paying its own cash to cover the unauthorised overdraft.
Comment
In the author’s personal opinion, it is time for the courts and, perhaps, government to stop sitting on the fence with legal argument that lends itself to squeaky clean judges’ desks. It is quite clear that the public has noted its concern. They realise, (or at least should realise by now!), that banks are businesses unlike any other. And, while the banks might enjoy the benefits of having large capital reserves, somewhat questionable following the recession, the Scottish and, indeed, the British public expect them to be treated as such in the legal systems of the UK. This effective immunity from suit should seriously be reconsidered and, the author hopes, soon.
How to Claim despite Walls being breached
Consumers may be best advised to take the recent shock wave of Allison Walls v Santander with a pinch of salt: there are certain steps, including those from moneysavingexpert.com, which are still worth considering:-
1. Send a style letter and send to the bank;
2. If unsuccessful and the bank continues to charge, send a different style letter to the Financial Ombudsman;
3. If still unsuccessful, consult a reputable solicitor and take the bank to court, but be prepared for considerable legal expenses and long, drawn out proceedings.
Banks would be best advised not to get complacent: a battle may have been won; but the war, most certainly, is not over.