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Sare Heid

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Everything posted by Sare Heid

  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
  15. Hi SS & thanks for getting back so quickly. I wasn't sure whether I should use the APR or the annual interest rate compounded, and opted for the latter, was this wrong? The rate I used was from the 'original' T&C's but as you say, the 'most recent' version quotes a higher APR rate of 23.1%. I want to get this right otherwise it'll not be taken seriously and if I should use the higher then so be it. Would appreciate your thoughts / input. Cheers SH
  16. CAP1-Penalty Chgs.pdfHi all, Received response to SAR request, pretty much all there except communications log so will chase for that. In the meantime, I've gone through the statements to check what charges have been put on the account, quite surprised at how it all adds up! I'd be grateful if someone could have a look at the sheet attached and let me know if it looks quite right or if not before I send off to Cr*pone. I've used the annual % rate from the 'original' t&c's they sent me (pot #4). Statutory interest still to be added (8%). Cheers SH
  17. Thanks repo, Will have a look for this and start reading while all is quiet & still. SH
  18. Hi vic, Thanks for the quick reply, I'll have a closer look through and see what other inconsistencies & errors I can find. Our objective with this one was to try and determine enforcibility of cca so OH can make an affordable and sustainable offer of payment, without the worry that OC could enforce. Clearly, this is a very poor reconstruction and wouldn't they need original to try and enforce in court due to age, was it not ruled somewher (Carey?) that when providing a reconstructed cca, the OC had to confirm whether it had the original in its possession? I may have got t
  19. mcjohnson, The relevant section of the act is s.92(1), which is quite clear when it says 'Except under order of a court...... shall not be entitled to enter any premises to take possession of goods....', this applies to consumer hire agreements also. It's quite specific & doesn't say ' unless invited' or give the owner / creditor any other options. They had already written rejecting my offer of voluntary termination so by turning up at our front door in the evening without any prior notice or invitation was, IMO, a clear indication of their intent to repossess without compliance
  20. Hi vic, After my last pots (#19), OH received another letter from in-houes DCA demanding that OH should contact and make arrangemnts to pay full amount. Sent them copy of last letter to Barkingmad and told them to return account to their client, would not correspond further with them. Lo and behold, response to CCA request drops through the door from Barkingmad (see attached scan0059.pdf ). Spotted a few peculiarities with this; - covering letter looks like a poor cut & paste effort since none of OH previous requests made any reference to CPR - letter states 'please fi
  21. Hi carpe73, Have a look at info in link that tingy posted (post #21), there's some good info in there. Was this an HP agreement, if so the cancellation sum should be shown on the CCA? If you dont have a copy of CCA, you could send request with £1 postal order to get a copy, which should confirm what the correct sum was. It would also specify whether the original creditor / DCA was entitled to add any charges or interest after termination. When you terminated agreement with finance company, did you put this in writing, have you kept a copy? Were all payments up to date? You
  22. Sare Heid

    EGG CC & Loan

    Hi Dotty, Could be considered unfair practice by not referring reasonable offer of payment to OC - OFT Debt Collection Guidance (section 2.8g). SH
  23. Bumping - sorry if I appear impatient guys but want to keep the pressure on! cheers SH
  24. Hi vic, I don't really think its a genuine offer, not even a hint of any figures, just a lame attempt to get OH to call them. Think we'll just wait and see what sort of reply we get from Barkingmad........ assuming they bother of course! cheers SH
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