Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I work for a major Bank - but you must appreciate that, and I am confident that this applies to all staff of UK financial institutions, whether they know it or not, that any participation in a messageboard like this would lead to instant dismissal. In fact I believe that the actual rule is so Draconian that setting up a webpage about my dog would require formal permission. Any who work for a Bank and offer advice should, therefore, always be cautious, but never allow arrogant bullying tactics to deter you - as you see, it hasn't stopped me, and I am moderating on another financial forum elsewhere and I have also actively engaged in claims against Banks - so clearly they have nothing to hide
I have no claim to pursue, and no particular axe to grind, and would only seek to offer assistance, where I can, and an insight into things which may come as a surprise to some, and a shock to others. I, thankfully, don't work in an area involved in dealing with accounts (sorry, can't be more specific for reasons mentioned) and have been dumbfounded by the obscenity of some of the cases described on this forum, and it has prompted me to join.
Do Bank's scan these forums ?
I would be fairly confident that they do. They have media departments who scan for all news articles and reports that may impact on their and other Bank's profiles. I do not imagine that they would be looking at individual cases, more trying to get some overall perspective on tactics and customer attitudes - so it must be pretty depressing reading for them. It is not something to be scared by, and as has been said, the formula works , so their scanning the forum is unlikely to provide them with a 'magic key' defence - just one caveat - don't provide them with insight into your own weakness such as being desperate to settle early.
If you claim say £2,000 and this case lands on the desk of an exec and he can get you to settle for £1,500 then he earns a big tick, even though the Bank loses £1,500. If you have set aside claims for other charges it would then be interesting to use any such offer as a prompt to claim the rest - that would make him rush a little more to conclude the original offer more quickly. His interest is purely selfish - if you settle for less he gets a tick - if you get what you want he loses nothing - if his intervention makes the claim grow he gets his aaaaaa*** kicked.
I hope I can be of some assistance. I have seen Bank responses in various threads which sound bizarre and I imagine are just plain lies, and there are some general issues such as Bank's fear of regulatory infractions and Basel II - now there's a nasty thing to say to a Banker. Can't provide account transaction details ? http://en.wikipedia.org/wiki/Operational_risk#Examples - sound like a Basel II non-compliance issue for them to deal with.
Have you PM'd BankFodder to let him know you are registered on this site? As a bank employee you must do so.
Lloyds TSB - £972
S.A.R, prelim and LBA sent
Claim acknowledged
Defence received
AQ 20/06/06 ***FULL SETTLEMENT RECEIVED 20/07/06***
Woolwich - £2288
S.A.R, prelim and LBA sent.
Offered half
Moneyclaim filed online 02/08/06
Judgement filed online 23/08/06
WARRANT FILED ONLINE 30/08/06
MONEY RECEIVED BY BALIFF 04/10/06 ***FULL SETTLEMENT RECEIVED 09/10/06***
Smile - £175
Pelim 23/06/06 ***FULL SETTLEMENT RECEIVED 07/07/06***
My Ex vs Woolwich - £715
S.A.R sent 30/08/06
Pelim 06/10/06
LBA 20/10/06
Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
*************.This is the kind of thing that prevents helpful people like him from offering their help.
Why the ******** should he let Bankfodder know whether he is a bank employee??
MODERATED: Abusive language
He should inform BankFodder or dave because it is part of the forum rules.
Also the language I have edited out of your post is completely unacceptable and will not be tolerated - this is also part of the forum rules.
If you do not agree with our rules then I suggest you refrain from using our forum.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
Bank employees are only asked to let us know so that we can track where they look.
If you were worried about a claim against say, Abbey and an Abbey employee was looking at your posts where you claimed publically that you were worried and that same employee were checking out your profile etc... wouldn't you want to know about it?
...but, as has been said before, everyone is welcome, bank staff included (and even commended for taking the risk to help, although I wouldn't want to jeoperdise (sp?) anybody's job.
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Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.
Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!
I have to say that his sentiments were mine at the beginning, i.e. why would you want to know what I was viewing? However, Bank employees can help the site not necessarily by breaching their contracts but by clarifying some things, for example, how to get your statements on time without the frustration of having to call time and time and time again. Have no problem with it
Let me introduce myself
. In fact I believe that the actual rule is so Draconian that setting up a webpage about my dog would require formal permission. Any who work for a Bank and offer advice should, therefore, always be cautious, but never allow arrogant bullying tactics to deter you - as you see, it hasn't stopped me, and I am moderating on another financial forum elsewhere
and I have also actively engaged in claims against Banks - so clearly they have nothing to hide
- now there's a nasty thing to say to a Banker. Can't provide account transaction details ? http://en.wikipedia.org/wiki/Operational_risk#Examples - sound like a Basel II non-compliance issue for them to deal with.
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Originally Posted by closey
