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    • Former billionaire Hui Ka Yan has been fined and banned from the financial market for life.View the full article
    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
    • At a key lecture in the City of London, the shadow chancellor will also vow to reform the Treasury.View the full article
    • Despite controversy China's Temu is becoming a global online shopping force.View the full article
    • The retailer has come under fire for an advert showing motorcyclists wearing trainers and doing wheelies.View the full article
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Message to Lloyds and HBOS employees


BankFodder
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Maybe as many as 40,000 of you may soon lose your jobs.

 

If you have any interesting stories relating to any kind of skullduggery or other iniquity whcih has taken place within your organisation, maybe now is the time to consider to whom your loyalties lie.

 

We can put you in contact with radio and TV or print journalists who will be happy to listen to your story in confidence.

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  • 8 months later...

bumping

Beck

"There are two ways to conquer and enslave a nation. one is by the Sword. The other is by Debt."

 

Barclaycard PPI Refund £4300:whoo:

Barclaycard = Mexican Stand Off

 

TSB = Mexican Stand Off

 

Santander = :mad2: MungyPup is coming to get yahh :mad2:

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  • 2 months later...

Indeed and they (Lloyds) cut the pension pot which will effect the average worker more while they carry on paying fat bonuses to the higher paid which will not be effected by any pension cut.

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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  • 2 weeks later...
  • 1 month later...

Hmmn... the £11bn loss is equivalent to about 2 years profits at 2007 levels in HBOS and the organisation was over 300 years old.....

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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  • 1 month later...

In case it hasn't filtered through - HBOS have finally dumped a shed load of their admin staff right in it by announcing 850 job losses in one town where they are one of the key employers locally.

 

Needless to say, some of the admin jobs will be going overseas.

 

Whilst I have nothing decent to say about the bankers, it is as usual the people on the lower end of the pecking order who are being given the boot, rather than the tossers at the top who stuffed an entire nation.

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  • 6 months later...

Ex HBOS Financial Adviser here.....aaagh I here you all say but that's were life took me. The last 2-3 years were a nightmare working under a collection of various levels of staff members all under severe pressure due to the increasing bonus culture. If you failed to do your bit towards branch targets then 'Performance Management' quickly arrives.

 

I have many experiences of behaviours and indeed falsifications by lots of different individuals basically trying to de-fraud banks at the expense of customers to achieve bonuses...pure greed!

 

I was frustrated by the lack of supervision/risk control and for the honest group of advisers that I associated with, the pressure was brought about by being ranked against dishonest employees. Line managers/Regional managers and I suspect higher levels turning a blind eye to the shennanigans happening at branch level and beyond. I heard of several more significant shennanigans at corporate level too but basically not dealt with due to inadequate risk control/ineffective management.

 

I left the bank and all in all enjoyed working for Bank of Scotland. The merger with the Haliban was the downfall in my opinion because as time went on they integrated the sales culture throughout the Bank. Ultimately, they 'overtraded' and became bankrupt until the Government bailed them out.

 

Glad to be out.

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  • 4 months later...

Hi Tonymacaroni

I realize it's been a while since your post but I was surfing around the site and I wondered whether you had any knowledge of the pressure put on sales people at Halifax to sell loans. I'm keen to know what triggered Sales to call someone to offer a loan. What tactics they would use to sell a loan and whether you think appropriate checks were made on the ability to repay? What kind of incentives or rewards did sales or branch staff get for selling inappropriate products? I'm sure this still goes on despite the recent financial crisis. They continue to induldge in irresponsible and unfair behaviour. It may now be more with regard to investments than loans. Ridiculous "fee" deduction for selling an inappropriate product from a different area of the group etc. I have so many horror stories from friends and relatives particularly from Halifax but Barclays and others. I don't believe the banks have been punished adequately. I don't trust banks at all. I tell as many people as I can to be very very wary when dealing with them. They are not your friends, they are not there to help or advise but merely to make money from you. Do not rely on their "advice" - it is for their advantage only. Many people are suffering severe financial detriment because of poor sales practices.

Look forward to hearing your thoughts. SJ

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