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Sare Heid

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About Sare Heid

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  1. I would be surprised if they cant do anything based on their knowledge of this long standing dispute. If you've made a complaint because you felt in fear for your safety, I would have thought they are obliged to investigate. it would be worth a follow up call requesting an explanation of what action they have taken. You should not have to endure threats of violence or intimidation from your neighbours friends , family or associates, especially if you were on your own property going about your own business at the time. The Protection from Harassment Act is intended to provide p
  2. Hi DBL, Thanks for you advice. I really would like to keep my company as their is still a demand for the service I provide. I'm not refusing to pay the penalty, only disputing that it was applied unfairly, since it was a government funded / partly owned bank that closed the company bank accounts and effectively prevented the company from trading & employing accountant to do the business accounts. I would be interested to know if there is any chance of successfully defending this action. If not and I have to accept defeat, whats the worst that can happen? I re
  3. Thanks for quick response Martin3030, Penalties were applied by Companies House. CH = Companies House DCA = Lewis Debt Services, the debt collection agency employed by CH. Hope this helps, would appreciate any thoughts on how best to deal with this. Cheers, SH
  4. My small ltd company has been hit with a hefty penalty charge for late filing of accounts which it is unable to pay since it has effectively stopped trading as bank closed accounts over longstanding dispute and offset available funds to reduce overdraft. CH passed matter to DCA to collect payment, I told them business wasnt trading, had no income or assets (only me) and therefore couldn't pay. DCA has now instigated proceedings against company at local CC for payment of penalty charge with costs, even though I had written to them explaining that it was a pointless exercise. Can anyone
  5. Hi martin3030, Been workin away for a while, business is picking up, you'd actually think that the bank would seem reassurred by this but no, still making life as difficult as possible. Bank still slippin up regarding OH's account and making reference to it in discussions & correspondence with me, can you suggest most effective way of dealing with this. Cheers SH
  6. Hi Martin 3030, Sorry couldnt get back to you sooner, long day yesterday. Yes business acct still open, just, however I feel they would like to close this as they have placed so many restrictions on day - day banking (ignoring letters of appropriation, returning cheques even when accounted for in appropriations & adding charges for the privilage!) that its making it almost impossible to operate and costing time / money. Charges were mainly over fairly short period, June'10 to Feb'11 and only on current account overdraft, however they are now starting to add charges for returni
  7. Hi Martin3030, 'Tis the ever caring RBS! They withdrew o/d facility because limit was exceeded due to interest + charges on unauthorised borrowing + more interest + even more charges....... applied at a time when work was slow and not much income coming in. Went to them to explain position as soon as problems envisaged...met with a brick wall. SH
  8. Hi, Hope someone can give a bit of advice / help with this one. Bank has withdrawn overdraft facility on my business current account and have sent a few letters now asking for proposals to repay this however their letters also include OH's bank account details incl o/d balance even though OH's has nothing to with business and we have always had seperate personal accounts. Now OH has complained over phone that this shouldn't be happening, and they've acknowledged that its a serious failure, but the letters still keep coming with OH's details. OH wants to make a formal compla
  9. Bumping, would really appreciate some help with this one guys!
  10. Hi guys, Finally got some time to update this spreadsheet but need a bit of clarification if you wouldn't mind. Using the compiund interest calculator which Still_surviving kindly directed me to, is the interest compounded monthly or annually? Also, I was thrown off a bit because the spreadsheet which I used from the library churns out a different set of values from the compoiund interest calculator even when same dates / principal amounts are used, any ideas? Grateful as always for your help & advice. Cheers SH
  11. Well, not unsurprisingly, no reply from RBS to letter of appropriation. I called local RBS Business Relationship Manager who confirmed she had received her copy and tried to get someone in their Business Collections Team for me to speak with. After a number of unsuccessful calls on my behalf (allegedly), her only advice was that I should phone their 'team' to discuss my proosals to settle account and whether they might allow me to withdraw some of the funds that they had mis-appropriated. She also suggested that I should arrange alternative banking facilities and when pushed on the m
  12. dx100uk, Wow, thanks for such a quick response! I'm concerned that the letter of appropriation will fall into the same big black hole (bin?) as all my other letters, how long should I give them to respond, I wouldn't want another payment into the account to be consumed by them. If my experience with RBS is anything to go by, it could take weeks to get another business account up & running. Cheers, SH
  13. Good Morning to the 16 guests, if you happen to work for the RBS, get your act sorted!
  14. Hope someone can help me with this one. Business bank account with RBS however shortage of work over last few months meant no money paid in, o/d maxed out. Kept getting computer generated letters asking for proposals for payment but when I respond with specifics I get no response other than more computer generated letters asking for proposals. Local Business Manager washed her hands of account as soon as I could see I might need their help, passed me on to their Business Collections dept, a faceless bunch who can do nothing more than read of a screen script! Despite many written
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