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About noonakai

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  1. I am in dispute with my former bank. They have claimed to court that they gave me an overdraft extension on 02/01/09 which they simply didn't do. Their own final response confirms this but they continue to claim it. I want to make a request for disclosure and challenge them to provide the documents which would prove their claim of an alleged extension. Can anyone advise on what permanent records a bank will keep of overdrafts so that I can ask for exactly the right thing, and so when they are unable to produce it, I will be in a position to show that it didn't exist in the first place? If it h
  2. Yes - it is a huge, messy fight that I've fought for years and if anyone needs to know any details at all please just ask. What I've tried to do is shrink it all down to the smallest thing possible to make it appropriate for this forum and also to retain focus - so I chose this - the bank handed my personal guarantee over to collections witthout giving me a chance to discuss it. i complained. They told me I hadn't contacted them. I sent them an email proving otherwise. They ignored it. I sent it many times and referred to it many more. They haven't mentioned it once. If I can stay on
  3. Thank you so much for your response – if nothing else it is giving me a sliver of hope Yes, I’ll definitely write to the Chief Executive. I should tell you what else I’ve done – originally the dispute was a business one but is now personal as it was reduced to being about the calling up of my personal guarantee. As a business dispute we sent in a folder of evidence to the Ombudsman which was ignored. This included a report by Lloyds which ranged from them retrospectively justifying problematic dates by alleging we had arranged an overdraft limit of thousands of pounds for eight days
  4. I am returning to this post because the last few months have been incredibly frustrating. I have been sending Lloyds incontrovertible proof of my case and they have been ignoring it to the point where I think I'm going slightly mad I want to highlight just one example - there are many, many others. I'd really appreciate any feedback. Ok - one complaint is that Lloyds passed over my account to Collections without giving me a chance to meet my manager and discuss my account and grievances first. Lloyds' position is that they were trying to contact me and couldn't and th
  5. Thanks so much for this, it's appreciated. I think it backs up my gut feeling but I'll go through the Banking Code as you suggested to find out more. I've kept the main complaints (ie our original dispute) separate so as not to confuse the issues. Right now, I'm trying to pick individual points on which to fight and I'd love to be able to say that whatever the rights and wrongs of the case, Lloyds went about things improperly, and hopefully our arguments will accumulate. You mentioned complaining direct to Lloyds - everything to do with that account goes to a Glen Davies and he is the one
  6. We feel absolutely let down and ripped off by our bank for a lot of reasons that I won’t go into for fear of ranting! I wanted to ask for opinions on one relatively small aspect of the aftermath of it all – We were sent a letter of concern and immediately made strenuous efforts to meet with our bank manager to discuss our account with him. He mysteriously became incommunicado at a critical time (as he had often done in the past) and would not return any emails, letters or phone calls. They then started chasing for arrears. Leaving aside our main grievances – did the bank behave properly by p
  7. Hi - I bought a flat - one in a block of around forty fairly average ones - in Leeds. I and many other residents feel that our Property Management agency are ripping us off on a number of counts and we are researching this matter. Whilst researching we found that we are paying six and a half grand a year for Management Fees (to people who really aren't doing anything) and 4 grand a year as a Head Landlord Service Charge. Considering both amounts are going to the same company we feel a little resentful. Can anyone shed light on why two payments are necessary and if they seem reasonable?
  8. Sorry for the length of this post: We had a business loan with an overdraft. Our overdraft limit seemed to be changed almost arbitrarily by our manager who combined this with being incommunicado for days at critical times. Just when we began to think this might be deliberate and that the situation had become intolerable he was replaced. In contrast, the first meeting with our new manager went so well we asked to aim for a £25,000 overdraft limit to help us move the business up a level. There would be a £20,000 interim limit and proof our prospects justified an increased limit and another m
  9. I would really appreciate your thoughts on this - I followed the advice from previous posts and wrote a letter requesting my credit agreement and enclosing a pound payment as I have been advised to do. Apex did two things which have really upset me: The first is that they wrote: "I can confirm that this request needs to be made direct to the Royal Bank of Scotland as they are the principle company with whom the agreement was made." This goes against everything I have been told. As it is Apex who have bought the debt, surely they are now responsible for provinjg it exists? Can anyon
  10. Thanks for this Tom Tubby, it's excellent advice. Unfortunately for us, my partner was very stressed about someone actually turning up at the door and so paid the guy. It ended up being over £200. One thing that hurts is that they claim they gave written notice to our PREVIOUS address and yet knew exactly where to turn up in person ie they knew our PRESENT address, so surely they should have sent a written notice HERE first? They didn't and so charged us an excessive amount to 'cover' the bailiff turning up in person, which wouldn't have been necessary had they written here. A
  11. Thanks for this advice. I was hoping (against hope?) that Nat West might have commited some kind of procedural offence by passing my details over without having a contract and so even if they find one later it's too late for them (and Apex). But yes, will write to Apex asking for credit agreement. Thanks.
  12. Basically looking for help - I have just had a visit from a bailiff from JWB looking for money for a late payment for my partner's parking ticket. Firstly, we paid it , although it was late. Secondly, we thought we had paid it in full but it turns out that there was an extra charge to pay for being late which we didn't know about. Any letters telling us about this would have been sent to our previous address as my partner updated her address on her passport and driving license but was late doing it on her car tax whic is what they must have looked at. However, while the council may h
  13. I'd really like to know where I stand on the following issue: I had a loan with Nat West. I disputed some of their charges and instead of investigating my case they attempted a whole host of tricks to prevaricate and avoid dealing with this. Consequently I stood my ground. Consequently my charges and arrears accrued. I then asked Nat West for a copy of the credit agreement which they had to admit they could not find. Despite this, they sold my debt over to an agency, Apex, who conducted themselves in a very rude and generally dubious manner. I wrote to them informing them that I
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