Attitude of Courts to banks who have not followed industry guidelines

[Creamlily]

:beagle:Not sure which forum this post is most suited to so I;ve opted for this one. Are there any examples out there of the attitude of judges towards banks who have not followed their own industry guidelines when dealing with customers in financial difficulty? From a punter's point of view there seems to be little in the way of bite in these guidelines given the FSA and the LSB do not deal with individual complaints. The FoS, too, don't appear (in my case certainly) to have much regard for whether a bank's internal procedures follow the protocols laid out in the guidelines and, I think, that courts do not have regard for them either.

I am keen to be wrong here so if anyone is aware of a case where a judge's decision was impacted by the failure of a bank to follow the guidance set down for it I would be pleased to hear.

Many thanks

[leclerc]

Re: Attitude of Courts to banks who have not followed industry guidelines

:beagle:Not sure which forum this post is most suited to so I;ve opted for this one. Are there any examples out there of the attitude of judges towards banks who have not followed their own industry guidelines when dealing with customers in financial difficulty? From a punter's point of view there seems to be little in the way of bite in these guidelines given the FSA and the LSB do not deal with individual complaints. The FoS, too, don't appear (in my case certainly) to have much regard for whether a bank's internal procedures follow the protocols laid out in the guidelines and, I think, that courts do not have regard for them either.

I am keen to be wrong here so if anyone is aware of a case where a judge's decision was impacted by the failure of a bank to follow the guidance set down for it I would be pleased to hear.

Many thanks

With Financial Difficulties there is no way I would expect to see a case in a court of law.
Can you explain what you understand to be Financial Difficulties?

[Nibbler]

Re: Attitude of Courts to banks who have not followed industry guidelines

This recently well publicised one for example.

BBC News - Credit card borrower tortured by lender, says judge

OK. There are technical/legal breaches involved in that decision, but the judge also sites the behaviour of the bank and DCA as an important factor.