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About Pussycatmandy

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  1. Calm down, worriedparent, you are not liable for any offspring who is over the age of 18 years debt. By the same token you should not be harassed by any DCA in this regard. Threaten them with legal action if they do not remove any information about you from their databases. They're just a bunch of chancers although I understand very annoying chancers. Finally, if you can't get them sorted seek out your MPs assistance through their local surgeries to deal and assist you with this matter. I am dealing with a matter for one of my clients who has had an ongoing battle with a DCA. As so
  2. Incredibly easy unfortunately. It has been known that they will 'phone someone or possibly a neighbour, with a number similar to your old number and try to extract from them anything they can about your workplace or any contact numbers they may have for you. They are a sly bunch and use every trick in the book to extract this info even saying that they are a personal friend who has lost touch. Harassment from credit/debit agencies is against the law, although as I mentioned above I can only give advice in Scotland. I'm sure my legal friends in the South will have a similar Act in forc
  3. Our taxes, which are whipped off us at source, are being used against our will. The great British tax payers are not even given a choice or option how their dosh is spent. It's like making a donation to the Mecca bingo hall! Gordon/Alastair's tax pot is depleting fast he's no longer receiving ludicrous amounts of Stamp Duty or VAT from property transactions so he's certainly feeling the pinch. PAYE is also dropping significantly since we're all losing our jobs and having to claim benefit. Next ploy by Gordon and Alastair is to rein in the government/public sector because their overspendin
  4. It's totally immoral. Brown has lost control of the UK and the economy. He's bailed out the banks with tax payers money and now the bankers call the tune. The UK should dump Brown and get the country sorted and bring back some honesty into banks, governments et al. They're all totally corrupt.
  5. I am a Scottish lawyer and can only advise people in Scotland to refer these annoying people to the Protection from Harassment Act 1997 (Clause 8) about telephone harassment. This Act is readily available on the internet although I don't know how to do a link. I'm sure there is a similar Act for the UK (England and Wales) in force, but if in doubt check with the CAB in your area they will be aware of this Act and will be able to assist you in dealing with harassing telephone calls.
  6. On hindsight the Bank of Scotland shouldn't have teamed up with Halifax and then headhunted the guy from Asda to run the show. They should have stayed with what they were good at, being bankers, being honest, being prudent and hitherto looking after their customers and their money. They proved to be so greedy, they slit their own throats and have caused a lot of grieve to everyone associated with them.
  7. Stewie, you're quite justified in your rant and it's a shame there wasn't more exposure in the newspapers about circumstances such as yours. Unfortunately Gordon Brown ethics about the British public's ability to understand commerce, banking and the financial markets is "heads he wins, tails we lose" so they're the winners all the time. We have no control over what he spends our cash on whether it is bank bail outs or takeovers (such as NR), public sector quangos or Government and MPs expenses. We're just suppose to keep quiet, be subdued and pay up. The rate cut could not be passed o
  8. This is absolutely appalling and shouldn't be allowed. Bonuses are suppose to be rewarded for healthy balance sheets not for being given a huge tax payers bailout to keep this company afloat. This could trigger a huge backlash by people who have lost their jobs, investments, houses and livelihoods through the irresponsibility of Northern Rock. Who is going to bail out the small businesses who tipped thousands of pounds into the UK Treasury and coffers when their companies go bust, certainly not Gordon Brown and his goons. It is totally unbelievable.
  9. Unfortunately, over the past 10 years or so, I have lost all credibility in Halifax Bank of Scotland. They seem to have gone to pot since they linked up with Halifax. Their lies are unbelievable, they cannot organise a **** up in a brewery. They've overstretched themselves as a company and they are now trying to claw in funds from any source, i.e. people like you to shore up their balance sheet. Unfortuntely the people you are dealing with cannot write an intelligible letter and therefore want to deal with everything by 'phone, hence there is no record of the communication. This is not bu
  10. This company are a pain in the jacksy!!...... Their persistence should not be allowed; their systems verge upon total harrassment and their intimidation of individuals is completely out of order. Their methods of dealing with people with their consistent and persistent phone calls should, hitherto be stamped out. I believe they work closely with HBOS who, I may add, are recipients of a large tranche of funds from the public purse, i.e. the tax payer, so they should not be phoning people demanding funds, because these jobs ultimately are funded through the tax payer. I personall
  11. Hiya I am a Scottish solicitor and would firstly have advised you to enlist the help of the CAB to recover the funds from either the sports centre or the bank. Depending on the amount of charges which your bank has hit you for it might be wise to go down that route. Your local CAB, (which is a free service advertised in telephone directories/web), have a pool of duty solicitors who should be able to point you in the right direction. If the solicitor offers to deal with the matter through their place of work remember to ask for a fee quote and their terms and conditions of business. C
  12. Which part of the UK do you live in and which bank are you dealing with?
  13. Oh dearie me. the harrassment people from Banks / Debt Collection Agencies are just about to implode! Their jobs are on the line especially with the tax payer having to bail the banks out of inappropriate behaviour... Hold tight, don't give them an inch and certainly don't pay them off.
  14. Sorry, I'm not qualified to pratice in England/Wales/Ireland although I should imagine the CAB should be able to advise you regarding this type of small claim. In Scotland individuals can raise a court action in their own right in the Sheriff Courts. Usually the CAB have a duty solicitor available for referrals but you should give your local CAB a ring to see if this facility is available to you. You should not be charged a fee for seeking the advice of the duty solicitor through the CAB. If though the CAB duty solicitor offers to pursue your claim through his place of work remem
  15. Yes, you too are absolutely right in your assessment of the situation but it is difficult to reverse the threads of greed which has dominated our society over the past years. I basically have lost all credibility in the banking sector over the past few years and the banks need to recover some degree of honesty and transparency in their dealings before they can be trusted again. As you say, they need to get back to basics whereby you can trust your bank to look after you. From recollection I remember the Bank of Scotland slogan used to be "A Friend for Life". Not a chance they've let a hang of
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