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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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RBS becoming "inventive" with your documents?


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Sadly No, although they think I did :D

 

My ace sony ericcson phone records conversations, its this I usually use but discovered the other day it aint waterproof *sigh*, so am slighly unarmed at the moment.

 

The timing is unreal.:mad:

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Hi Dipply ,........Looks like you are another one who has joined the very special RBS Club with regard to SAR's you will have to SAR both Banks RBS to Edinburgh and Nat West to Bishopsgate London, please state quite clearly and precisely that you will expect full details of any Router Account that has been allocated to you and/or any of your accounts......this is most important. If your account was sent for recovery action it went to CMS....and if it went there you have a Router Account.

 

One of the statements made by Mr Dickenson the vice chairman of the RBS group with regard Router Accounts ....is that they are to prevent one customer being confused/mixed up with another customer of the same name ....interesting that you have been mixed up with someone else....especially at Telford!!!:cool:;):rolleyes::D

 

Myself and Paul Walton have collected 10 to 12 different explanations of what a Router Account is and what their purpose are.........we have our own explanation and to what use these Routers are put and how they are used.

sparkie

 

sparkie

Edited by Sparkie1723
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Hi Dipply ,........Looks like you are another one who has joined the very special RBS Club with regard to SAR's you will have to SAR both Banks RBS to Edinburgh and Nat West to Bishopsgate London, please state quite clearly and precisely that you will expect full details of any Router Account that has been allocated to you and/or any of your accounts......this is most important. If your account was sent for recovery action it went to CMS....and if it went there you have a Router Account.

 

One of the statements made by Mr Dickenson the vice chairman of the RBS group with regard Router Accounts ....is that they are to prevent one customer being confused/mixed up with another customer of the same name ....interesting that you have been mixed up with someone else....especially at Telford!!!:cool:;):rolleyes::D

 

Myself and Paul Walton have collected 10 to 12 different explanations of what a Router Account is and what their purpose are.........we have our own explanation and to what use these Routers are put and how they are used.

sparkie

 

sparkie

 

:eek::eek::eek: wow, thanks for the info sparkie, will start a thread and get the SAR's off asap. Need to sort my parachute a/c 2moro in case.

 

After the way that little nomark spoke to me today, I will be like a dog with a bone on this :evil:

 

Some very creative accounting going on methinks :cool:

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Dipply as a long standing member of CAG please tell me you recorded them

 

I was well annoyed at missing such a prime opportunity, so I thought we'd have round 2, and let me tell you, they really don't know when to shut up do they lol :D

 

Got them recorded clearly threatening me and telling me that is the DN sent that they have (apparently) mixed up withe someone else details is valid - refused to check the details to be sure and told me that because the cheeky advisor before put a note in to say it is valid....it is valid. (same guy who initially told me to shred it)

 

She THEN checked the details, CONFIRMED they were someone elses but said the DN is still valid, will stand and they will continue with the default procedure against me regardless!

 

All recorded :D

 

Threaten me RBS and I'm gonna have kick your backside for a THIRD time....am gonna hound you - and yes, thems fightin words :p

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Dipply do tell me you told the silly cow at the end you had recorded her & if so what was her reaction --- I love to gloat:D

 

pmsl, you sadist :p

 

When I told her I recorded the whole 'farcical' conversation she went a bit quiet then gave me a very snotty but defeated "FINE then, I am terminating this call now". hehe

 

Also (by accident) managed to record the very chap that did the dodgy default telling me they would issue a new one but still default me. I asked if they were using that as a punishment as a default is a precursor to action - which they know they cannot take and he said " we are allowed to default you, we just can't take you to court." I told him to prove I agreed to be defaulted as a possible action if I did not pay, and he said its in their T&C's - the ones they cannot supply....he couldn't answer - all going to the FOS etc.

 

Anyway, the point of posting was just to say my SAR's to RBS and NAtwest going off today as Sparkie advised, and my thread on this is now at:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/207374-rbs-defaulting-me-no.html#post2262928

 

Thanks guys ;)

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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There are rumours now that certain creditors are not only recreating but copying and pasting sigs.

 

Are you able to post up what you've recieved.

 

PW

 

Dont tell me that a well known bank might be adopting the practices of some gutter DCAs.

 

If thats the case said bank could be in for some very bad PR. But then again its all about adding value to the bottom line, even though some would say that copy and pasting signatures is fraudulent.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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  • 3 weeks later...

Moe evidence something dodgy is going on. RBS playing game so printing off as much info as poss and noticed this:

 

My loan was listed as unsecured fixed periodic rate, their default notice states this also. Now they it is listed on my online banking as Capital plus interest? Where have I heard that before lol

 

Hmmm:confused:

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Moe evidence something dodgy is going on. RBS playing game so printing off as much info as poss and noticed this:

 

My loan was listed as unsecured fixed periodic rate, their default notice states this also. Now they it is listed on my online banking as Capital plus interest? Where have I heard that before lol

 

Hmmm:confused:

 

Have you made SAR.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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AS sparkie advised, both to Natwest and RBS ;)

 

Need to get proof together, this may still just be very poor and innacurate paperwork, I mean everything they've sent so far has been a pile of poo. But there are just too many wee coincidences cropping up

Edited by Dipply75

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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the change of description means nothing, it'll still be a "fixed rate unsecured loan" and will always have been capital and interest, unless it features a balloon payment at the end. The "periodic" just means paid by instalments.

 

The FSA forced this change of description through this year. Same destination, different route that's all.

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Has anyone had a very interesting thread link from someone in the Netherlands reagarding RBS & another?

 

 

Yes, I have too.Hmmmmmm

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Strange, I had a pending friend request from this person and I checked their recent posts - all about this business of RBS in the Netherlands........but I have just checked again and all posts removed :confused:

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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careful guys, I think he may be fishing for info, I had one too. Can't quite see the connection, different country, different subsidiary of RBS (no longer has a link into santander), totally different judicial system, regulatory regime, rules and complaints authority.

 

Don't see how anything over there has a bearing on what's happening over here. Remember RBS lost £40M with the Madoff scandal, does this mean we should now be looking at US cases too?

Edited by rickyd
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An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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