Please sign this petition to strengthen the law and prevent banks from defaulting disputed accounts. http://www.gopetition.com/petition/43459.html

The story so far:

HFC Bank process a credit agreement in 1998 for a PC World sale that didn't exist and ask me for payments that I don't owe.

In 1999 HFC default me despite me asking them not to and explaining clearly that they're at fault.

HFC refuse to remove the default which subsequently prevents me from buying a house .

In 2004 I have no choice but to turn to the courts to "force" HFC to remove the default.

By 2006 the default expires naturally, but the legal action is still going on and the house price has doubled! The credit I can now get goes directly to the lawyers.

In 2008 the lower court agrees that HFC owe me reparation yet only awarded 40% of what is required.

See the judgement here:

http://www.scotcourts.gov.uk/opinions/A187_04.html

The judgement is appealed by both sides and eventually heard in 2010, by which time the recession has forced me into a job paying half and I am no longer able to service the debt on £200K of legal fees so far. Defaults issued. Appeal court rules that HFC were entitled to default me!

See the appeal judgement here:

http://www.scotcourts.gov.uk/opinions/2010CSIH49.html

Luckily, through Law Works Charity and the Free Legal Srvices Unit an appeal to the UK Supreme Court is being prepared with "significant" prospects of success. The difference will be that the UK Supreme Court does consider the facts and the evidence and will rule in the interest of justice.

My local MP, upon reading the opinion of counsel, finally accepts that the legislation needs stregthening. He undertakes to persuade the government to do so, but he is one man and not the fastest operator. This petition may help move things along quicker.

HFC still don't accept responsibilty for their actions. Mervyn King says that banks have lost their morals. Well, I'm living proof that these were lost at least 13 years ago!

I'm in an action to the UK Supreme Court, the first of it's kind that will set up case law for others to follow if necessary.

Please sign this petition to strengthen the law and prevent banks from defaulting disputed accounts.

http://www.gopetition.com/petition/43459.html

Further discussion and debate can be found on the following link

http://www.consumeractiongroup.co.uk/forum/showthread.php?264189-Default-damages-Supreme-Court&p=3321664&highlight=#post3321664

http://www.guardian.co.uk/money/2011/mar/12/pc-world-laptop-paul-durkin?commentpage=last

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The PC World laptop with the £250,000 price tag

 

PC World customer Paul Durkin has been battling for 13 years over a hotly disputed credit agreement

 

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