BUMP2 for Parkie/mod/Michael Browne

bumpety bumpety

thanks calvi36 that would be great, can you post/pm the details? i remember talking to the head of the finance department at the time - head repossesor etc she was unaware that i only had three months left on the agreement when i told her, she said that if she had known, she would not have authorised the default and repossession - and that bmw do not repossess so late into an agreement but as said as she had already got the ball rolling, there was nothing she could do to reverse the situation that's some service i received... and my blood boiled... and still is

i feel a wail coming on.... to me, it's my bank's fault for the fraud, and the subsequent non-payment of car payments do you think i can hold them liable and sue them for the losses?

beemer one was over 40 beemer two was over 50 yes limited company - and had the finance agreement with the ole claim back yer interest tax feature

perhaps it should be known, the dealer was Heathrow BMW, owned by H R Owen. H R Owen Chairman, BMW (GB), BMW (DE) Chairmans office, BMW Finance UK all refused to help / intervene / resolve issues.

in 2001 i bought a new car on hp (business) in 2002 i bought another new car on hp (personal) in nov 2002 the second car was fully refunded due to mfr engine troubles the garage offered a replacement to be delivered 3 months later to receive refund cheque when the dealer came to collect car from my house, they forced me to sign a 'this is an end to our dealings' letter con - which included a number of clauses stating: that i will not contact the dealer again, that all matters are resolved, that a replacement car would be supplied by another garage, i tried to avoid signing, then signed the letter upside down, saying i'm signing this under economical duress, as i need the money however as the garage had damaged the stereo in the 2nd car and the other garage never supplied the replacement car (sold to someone else on a waiting list), the stereo was left in pieces in 2003 was a victim of fraud on my bank accounts in 2004 my bank stopped paying ddebits to car finance for first car while i was abroad car company issued default and said a baillif was hired to collect vehicle, which only had 3 months out of a 36 month agreement left i dropped car off at dealership they auctioned it off and i lost (it seems forever) a £1000 dvla number plate. in 2006 took garage to court (money claim online) as they had not fixed my stereo among other issues had a bit of personal trouble and was unable to send claim documents to court/garage's solicitors attended court - just me, judge and car dealers barrister. said that i had been conned by dealership and they had not kept to the agreement, which included statements saying that i should not contact the dealership, i then produced a range of communications from the garage who had contacted me - invites for test drives, product info, emails, servicing letters etc. I asked the judge if the non-contact agreement was reciprocal, he said yes. i was then asked to send in all docs i had i failed to do so, and judge struck out claim. Can i re-instigate proceedings? The claim was specifically for the damage to the car stereo. I'd like to claim for more now, including damages for misleading/tricking me into signing dodgy agreement which garage did not stick to can you re-start something that's been struck off? as far as litigation goes, i am considering: dealer: damage to stereo, failure to supply 2 vehicles (had a 3rd car on order), damages, loss of earnings, false agreement, any affect on statutory rights? bank: fraud prevented me being able to pay for car which eventually was repossessed. Bank wholly negligent and therefore responsible for fraud. They have paid back stolen monies and some bank charges. As fraud bank's fault are they wholly liable? even though garage is to blame too. Court date set for July. car finance company: demanded car back when only 3 months left on agreement - have heard that if 2/3rds of car is paid they cannot repossess - is this true for business hp?

just received a letter from a cockroach: CapQuest Debt Recovery Limited, Rye Close, Fleet, GU51 2QQ they are claiming that they have purchased the 4k credit card debt from natwest and will start legal action if not repaid buy june 14 i've received hundreds of these type of letters in the past - defamation? do you think natwest pushed this since the summons? i'm going to write to the court complaining that a natwest agent is threatening me with legal action for an issue that is scheduled to be heard - good? also received details from Registry of Judgments Orders and Fines, which shows: Personal: Natwest: 4k credit card Natwest: 19k overdraft Business: Revenue & Customs: 5k non/late-paid taxes As all judgments for business and personal arose due to natwest fraud, is it worth trying to change my hearing to include set-aside applications for these too? i.e. one application for all ccj's for business and personal? or make separate applications for each?

warrant, i think they did - will check - they sent an apb to the car bailiffs to collect which worried me enough to call it a day. this happened in 2003. the bank refunded the money that was stolen (from business) - after several years and some bank charges on business account about £1k refunded on personal account, but that is now 16k overdrawn its the loss of business, impact of ccj, inability to trade, lack of justice, all bank charges on all accounts that i need resolved reading up on the complaints to OFT on misuse of credit referencing - wouldn't it be great if all the banks were struck off, and unable to read or write, due to misuse i wrote a complaint to experian moaning on the accuracy of their records and the negative impact to peoples lives it has, no reply received

hi as the fraud happened, my bank stopped paying the dd's for the car and charge me c£90 each time the dd was retried (3 times!) the car company sent me default letters then said that unless the car was returned, it would be reclaimed thru a network of car bailiffs/reclaimers with magic keys - i.e. they ordered it to be stolen back from me. i then dropped the car at a dealership, the finance company collected and they auctioned it off, i lost every penny it was natwest who supported/facilitated fraud on my accounts, then turned onto me, accusing me of mismanaging my accounts, sending me into administration, soon realising, they offered recompense, which actually turned out to be a ccj against me

hello all NatWest have destroyed my life, business and aspirations. have a sickening feeling constantly which increases as i read more news that a precedent must be set by the courts which could affect all other cases, i can't afford to lose was a victim of fraud, due to Natwest's incompetence (in staff and systems), which led to my account being heavily overdrawn have had same current account since 1986 (although changed to advantage gold account in 97) bank stopped charging me £6 per month for advantage gold fee years ago, as i said why am i paying £6 a month for two gold cards which you refuse to provide to me suffered huge bank charges as a student too - 2 years passed, I did not use the accounts, interest and charges of about £500 per month added up loan account not paid either Business ruined as a result, lost a number of contracts car repossessed phones disconnected, unable to trade credit cards cancelled, could not pay for hotels, travel etc for work expenses, soon couldn't work at all bank confirmed fraud had occurred and i reported to police for crime ref bank refunded some of the stolen monies and some bank charges, but only from one account business account paid wages into personal account which paid loan for business as unable to pay wages, unable to pay direct debits, falling... made a complaint to rbs execs - Sir George Matthewson - he must have read my complaint and left immediately resent complaint to Sir Tom McKillop, investigation performed by RBS, instead of helping, RBS backstabbed the victim of fraud in me and instructed Natwest to persue ccj against me. bank sought £20k ccj for £4k credit card + £16k overdrawn balance over xmas ccj was awarded against me in Jan 07 unable to get mortgage i lost another contract in Feb 07, unable to claim expenses, forced into cashflow problems as all money was spent on hotel and travel made application for ccj to be set aside in May 07 have hearing in july - the court said... 'under it's own motion, the court is summoning NatWest and myself to attend' not sure what will happen here do i need to make a counter claim? spoke to police who confirmed NatWest did not persue investigation into fraud (common practice i'm told) - being the victim, i have been denied justice by NatWest - i want the crooks caught and if possible, for me to sue them for loss if there is a precedent set, are we stuffed - how long is that likely to take? want to claim: loss of earnings loss of contracts loss of vehicle (was on hp, only 3 payments left to own outright, every penny lost as repossessed) loss of mojo, stress, health, sanity defamation (?) as ccj applied incorrectly bank charges + interest on all accounts - business and personal all bank charges and interest since 1986 (!) sent dp letter received statements (in torn envelope!) i wish everyone the best of luck in reclaiming evil soul destroying charges can you please afford some advice?