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not really. I couldve got the paperwork signed by her before it was released, durint the time period before when the funds were released, I didnt bother to as I knew that the paper work would be signed at some point that day. Obviously, I knew the question around would the paperwork be signed or not was never an issue, as it was to be signed. The reason the whole thing came to light was because I told my boss we couldnt find the agreement and she needed to print one off so my mum could sign it again. with regards to me passing judgement on other peoples finances - what year are you living in?? its 2010, the bank staff dont say "yes you can have this loan" or "no, we dont like the look of you" - thats what people called underwriters do. Im finding it extremely difficult to hold my tongue with you. From what I can piece together, you've been suckered into taking out loans, then some horrendous bank staff have marched you to the cash machine, made you put your pin number in, and then forced you to by shoes, holidays, perfume, and goodness knows what else. For this reason, you have tarred all bank staff with the same brush? Forget about your grudges, Im not hear to get you in debt, Im just interested in the rights and wrongs of what debt is already out there, just like reclaiming PPI and charges - just so you know, I DID take out repayment cover on my debts (Funny ey, all bank staff tricked people into taking out this product, so I thought??) Jimbo xx

Silverfox, Thanks for your comments, thats more like what I was looking for! Thanks, Jimmyboy

Lol, I love that you commented over a span of nearly an hour. Im glad you have spent time thinkin about my dilemna! I have aterrible singing voice, so no adverts for me, and my bank didnt have singers on their adverts lol. I understand where you are coming from 110% with your attitude toward bank staff,, but you surely must see we were just doing our jobs, much like a traffic warden does their job. If you have a look on this link, you'l see im not tnat bad.... http://forums.moneysavingexpert.com/showthread.php?p=27725437&highlight=jimmyboy#post27725437 I like your comment about being my bank manager... just out of interest, what do you actually do for a living? xxx

Hahah ohh hso thats what it is:"but worry about the morals of some bank staff especially those force feeding loans to people like me who shouldnt have been pressured to have something they didnt want." You think im one of those that would just convince you to take something out? I actually ALWAYS made a point of making people better off, if it didnt make them better off (ie SAVE THEM MONEY) i wouldnt do it - thats how I was so successfull. Regardless of all of our conversation, and you very strong opinions, I would really like to know what the law says about this. Abbey is now closed.... you may aswell wait until tomorrow/Monday morning to visit them.

gets worse? My mum agreed to get the loan in my name to help me with ever increasing debt. I applied for the loan myself, and was knocked back, even as staff. I told my manager I was experienceing financial difficulties (which we had a duty upon us to do) - he appealed the loan in my name but was still unsuccessful - this is when my mum stepped in. I think that from the outset, you have thought something was "dodgy" about this loan. It wasnt, IF it was, I wouldnt have repaid it, would i?? I have only asked a flipping question, and was eager to find out what peoples views were!

On the basis that we have gotten off on the wrong foot - no, I probably wouldnt tell you this ( in the nicest possible way!) x

"My perspective is that this loan was for a family member which has been paid back. It comes accross dodgy indeed that you are trying to use your experience of this loan to say you know no cca exists and therefore could your relative or whatever claim the money back that they paid back, very sniffy." The loan with in my mothers name, but the money was for me. As I said earlier that loan was repaid using the funds from a secured loan, which paid off all the unsecured debts I had. I actually saw an old client of mine, just on Friday and explained to him what had happened and we got into a deeper conversation about his debt problems - I recommended he looks on hereas I know there were defects in the agreement that he signed back in 05 when he took out a loan from me - so yes, I would be sympathetic. I can even understand if you dont believe what I have just said, as it was a coinsidence that I saw him, but that was the reason I got thinking about my mums loan, and hence, came on here to ask around. So far, all you have done, is passed opinions on me, which is fine, but will make no difference to the loan I am talkin about - I posted this on here to find out if any one had any legal knowledge around this. I am not saying that it SHOULD be reclaimed, but I am asking if it COULD be reclaimed - using the law, of course, not opinions. Bear in mind that The reason for my dismissal was that because the funds were released before the agreement was signed COULD have cost the business X amount of pounds - I just wanted to delve a little deeper and see if this is the case. Not-so-silly xx

Wow, some very abrupt comments! The reason I was dismissed was because i TOLD them the funds were released 2 hours before it was signed. I then took the company to an employment tribunal for unfair dismissal (and settled before we got to court) given that I had actually worked there for nearly 5 years, and always been extremely good at my job (winning countless awards and being one of the top advisors in the UK). I made an effor of judgement - for which I OWNED up to it, and apologised. There was never any malicious intent from my end, and as I said the loan was repaid almost immediately. The reason the loan was repaid, (something you failed to consider) was because I had to take out a SECURED loan to pay off all the debt that bank had allowed me to get into - i was not DEBT FREE. As for your comment regarding working i nthe credit industry again; We settled out of court and part of my settlement was that I got a reference of employment. In the financial services sector, if a member of staff has been dismissed for something eg theft - there is a duty on the dismissing employer to warm any other companies from takingg on this memeber of staff. The fact that the employer even gave me a reference actualyl confirms that they themselves would put their name on the line to say I am eligible to work in a bank again - so in response to your question; YES if I decided I wanted to go and work for another company where staff preyed on young (18 at the time when debt started building) naive members of staff for their own benefit, then Im sure at some point, I would happily go back to a bank, also given that I have over 80 pages of evidence confirming my continual fantastic work ethic and acheivements, I am sure that I would indeed be able to actually get a job in a bank too. Please step back for a minute and look at things from my perspective, not the perspective you have (which seems to be; Oh bank staff, cocked up, their own fault anyway!) - Had I not come clean about the Agreement not being signed before the funds were released, I would have been in a much better position than I am now. "Can I ask you would you have been as sympathetic to Joe Blogs commng in and asking for similar help on a loan you maybe processed? I bet not." As a matter of fact - the reason I was so successful throughout my employment was due to the fact I listened to peoples situations and did everything I could to make them genuinly better off - therefore its a good job the "bet" you talked about isnt true, or you too would be at a loss. Jimmyboy

This loan has already been repaid. In fact it had been repaid before I even lost my job! A summary to what happened: A loan was keyed for a family member of mine. (I did not process it as I was not allowed to, and the family member DID consent and go through an application over the phone, with my colleague). The funds were released from the loan account into the current account roughly 3 hours after the application took place. Approx 2 hours after that, the loan agreement was signed. One month later, that loan was replied. Approximately one WEEK later, my manager at the time went to check the filing was up to date for the branch, where it came to light that there was no credit agreement (this must have been destroyed at the end of the day when clearing our desks). I lost my job due to this happening, but what I am wondering is if we can recover the money that was already repaid. Two points at the back of my mind: Firstly, if the loan hadnt been repaid already, we know this would have now been deemed as unenforceable under the CCA1974. Secondly,the funds were released BEFORE the agreement/application was signed, again, deeming it as unenforceable. I am aware of the Wilson case that a lot of people have looked into, but think this falls into a grey area really as the lender itself knows that this was an unenforceable debt? Has anyone got any opinions on this? Thanks, Jimmyboy

Nope. Ah mann, I feel bad for keeping up with the payments now then! Cheers

Hi all, I used to work for one of the main high street lenders. Whilst working there, I took a loan out. This agreement was never signed, and the loan funds were paid to my account. Since then, I have repaid the loan early, but have just been made aware of the hype around unenforceable loan agreements. Is there any way that I can reclaim that money that I have paid? The reason for the loan in the first place was to consolidate debts that I had accrued working there due to the fact we were always taught the attitude "debt is acceptable" (I was only 17 when I started there, back in 2004). Please let me know your views, as I am eager to do something about this, I left the company on very bad terms, and have since taken them to court and received a payout from them, I will do literally everything I can to get back at them for the way I was treated, and to reclaim as much as possible to wipe my debt. Many thanks, James x

I just felt wound up that they would send me cheap wine through the post. Another thing that shows how sincere their apology is is the fact that they cannot even spell "Piccadilly" correctly?! Makes me chuckle. I recieved a letter today saying that these incidents are extremely rare...ooops...wait, this is the branch that was on watchdog for binning sacks full of confidential waste in December! I wonder if they wil send the refund cheque as fast as the wine??

woah im in shock! When i ordered my statements from Natwest, they just handed them to me (6yrs worth) with no ID or security, so i told them about it in my complaint and how illegal it is. Next minute, a delivery guy brings me a nice looking package, i open it to find that theres a natwest box saying 'sincere apologies for behalf of the team' from the manager of the branch in question. Oh thats nice, i think...Only when i look on the internet (like you do, to see how expensive it is) i see its 'chilean value brand of the year. Now what do i do?!?!

I changed the words on my agreement, inserting that i accpeted the settlement in full only to compensate for the charges because there are other issues that I am taking up with them, that will be alright won't it? James