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Found 168 results

  1. I'm trying to complete forms 6.04 and 6.05 to have an SD set aside. I just wanted to double-check a couple of points if that's ok: 1. What do I put as the title on the forms? I assume it needs one as it has (TITLE) stated at the top 2. on form 6.4 do I need to put anything in the date, time and place fields (as below): attend before the Registrar/District Judge as follows:– Date Time hours Place 3) On the section below, is this my name and address needed? (d) State the names and addresses of the persons to be served The names and addresses of the persons upon whom this application should be served are:– (d) 4) If it is my address needed above, what address goes here: (e) State the applicant’s address for service The applicant’s address for service is:– (e) Many thanks, in advance.
  2. Hi, Its been a while since I have needed some advice thank goodness! Right cut to the chase... In 2007 a CCJ was entered by Neslon Guest on behalf of LTSB which I managed to get instalments of £50.00 PM. They then went for a charging order on my property at the time, I went to court and it was discharged as no paperwork, lies etc.. In Feb 2010 it was then Set Aside. Removed from registry trust etc. So I lowered my payments to them to £1.00 PM as a gesture of goodwill and to stop further enforcement. I have now received a letter from Wescots with no Claim Number and (for a balance 300 pounds above the actual Concessionary Arrangement Statement from OC), stating that I am in default of my CCJ-overdue payment and that I have 7 days to pay this default or they will commence enforcement action, charging order,order for questioning etc. My question is do I dig up the grave and send a CCA request to Wescot and a SAR to LTSB ready war? Or do I have nothing to worry about as its been set aside and should report Wescots to the FSA?? Thanks in advance!!
  3. This in relation to another thread I have but just running an idea through my head. Say someone is issued a judgement and later a charging order. 5 years later they discover that the claimant had no right to issue the summons because the debt wasn't legally assigned to them. Obviously the judgement can't be set aside but in theory could the defendant point this out to the claimant with a demand for payment equal to the judgement, which if not satisfied ie by clearing the debt/charging order, the defendant then issues a new summons for the same, on the grounds of fraud by the claimant (letter issued saying debt had been legally assigned when it hadn't been) Am I right in believing that the OC must notify the debtor in writing for a legal assignment to be valid? Also would the original CCA have been passed on to the buyer of the debt at the same time?
  4. Chancellor George Osborne is set to announce plans to begin selling off the Government’s shares in Lloyds Banking Group. The Sunday Times reports Osborne will use his Mansion House speech on 19 June to reveal how much of the Government’s 39 per cent stake in the bank will be sold off. The Financial Times says the Treasury is considering a sale of 10 per cent of its stake before the end of the year. Estimates suggest the total stake is worth around £17bn. Under the plans, the public will be offered discounted Lloyds shares at the same price available to institutional investors such as pension funds and fund managers. The Government also plans to offer incentives for investors to hold on to the shares for the longer-term. Link: http://www.mortgagestrategy.co.uk/latest-news/george-osborne-set-to-reveal-lloyds-sell-off-plans/1072471.article
  5. The parliamentary commission on banking standards is set to recommend splitting up the Royal Bank of Scotland into a good and bad bank. The BBC reports that a draft final report, given to members last Friday, calls for RBS to be split in the same way as Northern Rock was in 2008 with toxic assets separated from the profitable part of the bank. Commission members have until next Monday to make amendments and the final report is set for publication on 17 June. One commission member has told Money Marketing the paper could change “quite markedly” between final draft and final publication depending on which amendments are taken forward, meaning an RBS break-up may not neccessarily become a final recommendation. Outgoing Bank of England governor Sir Mervyn King recommended splitting up RBS to the commission in March but it is opposed by the Treasury. Chancellor George Osborne has pledged to amend the banking reform bill to implement the recommendations of the banking commission’s final report. Reuters is reporting thet Coutts head of international operations Alexander Classen says the bank will not be sold by RBS in a bid to raised capital. Link; http://www.mortgagestrategy.co.uk/latest-news/banking-commission-set-to-recommend-rbs-break-up/1072193.article
  6. At the hearing for setting the judgement aside the claimant was unable to supply any evidence and had sent the court documents to the wrong address. My application to set aside was granted. What will happen next? Can I claim the costs I have incurred? Thanks
  7. Hi after a messy divorce affairs depression and nearly bringing my life to an early end I have finally pulled myself together and I am facing up to my old debts . This is however three years later its taken me a while to feel settled enough to face up to stuff. Upon getting my credit report I have found that I have 2 CCJ's I want to try and get them set aside as obviously these will impact me on getting credit . one is from 2010 the other is from 2011 so they will impact me until 2017 I obviously moved out of my previous address when the judgment's were served back in 2010 and 2011 I had not given these two claiments my new address. I never received any paperwork and I have been in too much of a state to face things like this . They obviously sent the details to the old address. one of them is in the incorrect name Im Garry this one clearly says Barry that could be a different person !! and it is on my credit file (Ineed advice on how to deal with this weather or not I should even bother contacting the person or just ask the court to remove it ? .Im worried if I speak to the claiment I may be admitting the debt or making things worse if I have to pay it back I guess I would but if I dont have to I would rather keep the money I just want to get rid of the ccj and if its in the wrong name I think that goes in my favour ) This debt is from a nursery I don't think I had any contract with them or anything not even sure if they sent me any letters, cant remember all i have is the info on the credit file . The second ccj is from a electrician i hired from a contracting company I had no contract with them I dont think just a invoice. at the time my life was in a right mess they sent me some letters to my old address and the ccj was served there. I want to also try to get this one set aside due to the fact i obviously didnt receive the paperwork and that I was not taking care of my affairs due to all the problems I had going on around me at the time There are no marks on my credit files from these two debts just the ccjs With regards to each of the above what should i do /say with the most likely chance of success. I have learnt my lesson and i just want to try and get them off so I can carry on in the future but this time be responsible and use credit correctly
  8. :attention: I work on my laptop wirelessly in the lounge situated near to the router and usually save work to my USB and then run (hardly) upstairs plug USB into my old desk computer (does not have internet access) to print off or scan documents. What would I need to do or buy to set up my own network so that I can print an email from my laptop, albeit, the printer will still be upstairs. Also, as my printer is also a fax, what do I need to connect to it, in order to be able to fax a document? Presumably, the telephone cable will need to be plugged in to the back of the printer? but the telephone is downstairs! I am not a novice with PC but I am not a geek either. Any help would be appreciated folks. Shelley
  9. My situation: Defaulted on considerable debts last year built up to pay for disabled child's care after restructuring at work and an unexpected tax bill. Tax bill being paid in installments until end of next year, takes up all disposable income leaving I got quite depressed and couldn't handle it, but started trying last year and started making token payments to a number of people (once the tax bill is paid it will take ~4.5 years to pay off sizeable creditors). I also told everyone to please not apply for CCJs as a) I have no assets and b) I am an FSA registered person and it could cause me to lose my job For my MBNA card (sold to Varde investments/experto, ~25% of outstanding) I emailed them saying I owed the debt, wanted to pay and put forward payment plan (£1 a month until tax paid, then over 4.5 years balance) in August, also giving details of my new address which I moved to in May. They did not reply, but I got a letter from HL solictors threatening legal action in October (sent to my old address, on the final day of mail forwarding), so I mailed in a copy of my income/expenditure and a letter outlining my situation and offer. They acknowledged receipt of this mail at the end of October, but said they had not received the income/expenditure form and asked for it to be resent. They also acknowledged that they had updated my new address in their systems. I did not send in the income/expenditure/bank statements again as I got caught up in more corporate restructuring (financial sector these days ) Didn't hear anything back from them or about them until my compliance officer came to me a few months ago and asked about a CCJ on my file (!) This was lodged against my old address. I called them and asked for their help setting it aside, explaining the above and saying I'd be happy to do a Tomlin order as I could a) lose my job over this if not removed and b) not be able to move jobs, where I'd been offered two significantly higher paying jobs or get another job (and so probably have to go bankrupt - I am great at my career and rising fast in reputation) They asked for my income/expenditure and said I'd need to sign the tomlin order before it was set aside, as well as pay for the Tomlin order and set aside, so I emailed them in this time, I waited for a bit and then.. They called and said they'd refuse to set aside the CCJ as I had not been co-operative and it was not their fault I may lose my job They also said I did not have enough disposable income, despite me repeatedly stating that all of the disposable income I had was going to the tax man until the end of next year, for them to a Tomlin order. On the other side they said they would accept my payment offer subject to review every 6 months (£1 a month then 4.5 year payment), which confused me terribly, and said they'd send over bank details and they would push for enforcement if I didn't make the £1 payments. I was told by some that a set aside on account of wrong address is up to the judge's discretion, but when I called the national debt line they said as I didn't contest the amount it may not be agreed and I'd have to pay their legal fees? (something I can't do on my Advice of exactly what to do here would be exceptionally appreciated, I have just about pulled myself out of depression and am working hard, but this has put me on edge Sorry for the long post!
  10. hi all, I found out about a CCJ on my credit file when I was rejected to rent a flat. I traced it and worked out they had written to a previous address and this is why I had no knowledge of it. The debt was from 2007 and for £200. I went to my local court and today was told it would be set aside as I had no knowledge of it. What happens now though? I didnt want to ask the judge as she looked a bit mean! lol. She said they would serve notice again to my new address, what does this mean? Will I get an oppertunity to pay it without it going back to court?
  11. Hi, In 2009, I went slightly over my agreed overdraft with HSBC and they slammed me with a £100 charge. On 17 November 2009, HSBC called me to let me know I'd gone over the agreed limit. I could not afford to repay the enitre amount until I got my student loan (which was running late, due to the Student Loans Company needing medical evidence to let me repeat the year). HSBC were okay with all of this, and we agreed I would make a small payment of £15 on 3rd December 2009. I made the payment as agreed. In a separate savings account, I was collecting money from my housemates to pay utility bills. HSBC decided, on the 8th December, to use their right to set off and take £240 from this other account. 1. I informed HSBC of my financial difficulty while I was waiting for my student loan 2. We both agreed on a £15 payment 3. They gave the impression that £15 would prevent further action, but I may need to make another small payment later Considering these facts, were they wrong to use the right to set off?
  12. I have just received a Notice of Hearing of Application for an order to set aside judgement. The defendant had previously acknowledged service of the claim but failed to put forward any defence within the allocated time frame, a judgement was then made in absence of a defence and baliffs became involved. Hasn't the defendent left it too late to do this? Also, as the claimant - is it necessary for me to attend the hearing as it would be very difficult due to work commitments? (I work in the medical profession and cannot get cover for the day). If i cannot attend is there any point in sending a friend along who witnessed the original events leading to the claim? One final question?! - The notice of hearing i have received is very sparse regarding details - it doesn't state if i need to provide evidence at this stage - is this necessary? Can anyone help with the above? - Advice greatfully received!
  13. I'm trying to gather evidence that Santander uses applications for set-asides as a matter of course -i.e. this is the way they do business. Any pointers to cases would be very useful Ta Very Nuch
  14. Last year i had to buy some new wheels for my car as a couple of the original ones were dented out of shape and it was starting to affect the handling. I bought an online package of wheels and tyres and after fitting them the car still didn't feel right so i've spent the last 6 months replacing most of the suspension components, getting alignments, etc but the car was still wandering all over the place. I took it to a garage today and they suggested trying different tyres and now it finally feels like a proper car again. When i bought the wheels package it didnt state the name of the tyres it just said premium performance tyres (Delinte D7 in case anyone is looking to buy them) yet i have since found out they are cheap chinese made tyres with a lot of other complaints about the way they make the car feel. Although i was planning to change the suspension anyway i am annoyed that i have had to spend another £400 replacing tyres that are not even 6 months old and were making me pray to god every time i went above 50 mph. Honestly they were that bad! Would i have any argument to make against the company i bought them from to refund the price of the original tyres as i dont feel they were fit for purpose at all?
  15. Hello I feel in trouble and hope someone may be able to help. I have an historic debt to Lloyds TSB which is now with a collection agency. I am going to court next week for a set aside hearing where I think the debt is statue barred. I have a letter from the agency stating that the "cause of action" I referred to in a previous letter is the default date of Sept 2006 rather than the last payment made which was Feb 2004 and therefore their action falls within 6 years as their claim was made in Dec 2011. I think that flies in the face of this sample letter from MSE below: You claim in that letter that the debt referenced above is not statute barred as the recorded default date is xx/xx/xxxx. I regret to inform you that this interpretation is incorrect and appears to be a deliberate attempt to mislead a debtor regarding the legal standing of a debt. As such, it puts you in breach of the OFT Guidelines on Debt Collection and in breach of the Consumer Protection from Unfair Trading Regulations 2008. Furthermore, should you attempt court proceedings and rely on such a contention, then not only will this matter be defended in full; it will also be referred to the Solicitors Regulation Authority as a breach of their Code of Conduct. Specifically, as an "attempt to deceive or knowingly or recklessly mislead the court". Am I right? I'm beginning to feel very nervous about this. Is this a decent defence? Background is that a CCJ was obtained against me last year in absentia which is why I now have a set aside case. I have full records from the agency and there is no acknowledgement post Feb 2004. The CCJ that was granted was also followed by a charge on my property. Any advice welcome and gratefully received.
  16. Hi, I'm new to this so please accept my apologies if I'm in the wrong forum. A debt with O2 has been passed to Moorcroft. Moorcroft are now telling me that they have applied to the court for a judgment date because I did not reply to their letter that informed me that this would happen (I don't recall specifically getting that letter). They tell me that they can apply for a judgment by default and that once it's applied for the court do not have to contact me and I have no alternative but to pay the whole amount (approx £340) if I wish to avoid getting a CCJ. They have said that the court will give me a grace period of 30 days from judgment in which to pay the debt, during which time the judgment will be lifted and not show on my record. My question is this: Is there nothing I can now do with the court (I don't know which court it is) in order to put in an offer of payment without the judgment being put on? Many thanks Mel
  17. We bought a Toyota Celica T Sport in August which developed a serious problem on the first day (big end bearing failure). We obtained judgment against the dealer for just over £5,000 in December. He didn't turn up. He then made an application to set aside on the basis that the court staff told him that if he submitted evidence and said he couldn't come his case would be considered on the papers. He didn't give the reason for not coming until the day of the application (both him and his co-director were in bed with flu on the same day!") There was no medical certificate. The form didn't state the reason for non-attendance. He submitted papers to back up the application the day before the application (over a month after applying). Basically, he has broken all the procedure rules for submitting the application. We have an engineer's report approved by the Court to rely on. He has no evidence apart from an MOT, but his case is that we must have broken the car by driving it too fast on the motorway. He has no evidence of this. The judge seems to have believed he was misled by the Court and that he and his co-director were in bed with the flu on the same day, with no medical certificate backup and only mentioned at the last minute. She stated she had not had the time to read the papers at all, would not consider the strength of his case at all and set aside the judgment. We are both shellshocked. My husband carefully followed all the rules of procedure in this case, submitting papers to the court and the defence properly. The defence have broken all the rules but have succeeded in getting our juidgment set aside. The judge in setting the judgment aside did not follow the rules. We purchased the book "Small Claims Procedure" by Patricia Pearl. It deals with making an application to set aside: "The Court may grant an application to set aside the judgment only if the applicant: (a) had a good reason for not attending or being represented at the hearing or giving written notice to the court under rule 27.9 (i); AND (b) has a reasonable prospect of success at the re-hearing" "The form must cover not only the reason for missing the hearing but also why the party has a reasonable prospect of success." Do we have any right of appeal against this decision?
  18. Hi, Great site and very impressed with all the advise. Unfortunately I'm not sure where to post this. As I'm new to this site I will try and keep this brief 3 years ago I had a CCJ registered against me and I ended up paying within 3 months of the judgement, purely because I had a letter threatening bailiffs The original invoice, (from my burglar alarm company), was for the yearly servicing plus for the monitoring. The monitoring is an extra service which I paid for as I used to spend time away from home. I had decided to cancel this service and the additional line required. In June 2008 I received a letter from the alarm company stating that their engineer had advised them that this was not working and I in fact did not want this service and could I reply to confirm. This I did with a phone call and a letter the day I received theirs. Over the next 12 months I kep getting demands for payment and multiple calls to them did not do any good as they simply ignored it. Eventually in Oct/Nov 2009 I received a summons for a court hearing. Foolishly I did nothing as the letter received from them and my reply could not be found so I thought I did not have a leg to stand on. The judgement was made and I paid as stated above. Very recently I found the letters in the loft and now have the proof that the amount claimed against me was not correct, (I did not dispute the service element), and that the company that took me to court had in fact acknowledged by way of letter that this service was not working, therefore they could not provide the service. The invoice by the way was also an advance charge so not something I already had. I have taken some advice but I am being told it is not within the time limits that I should have used to defend myself. My issue is I had no proof at the time but I now do and the company in theory knowingly took me to court for a sum of money it was not due. I have since written to the company pointing this out and requesting a refund of the monies that were not due to them and am awaiting a reply. My question here is can I use this to either defend the original CCJ after so long or even start a new case to have it removed. I feel there is a fault here in the legal system that even though I have concrete evidence, there is possibly no route for me to pursue. There are a number of split opinions on this with advice I have already sought, but I would very much appreciate any help/advice as the CCJ has now impacted me as a job I was due to start has now been taken away due to the CCJ I am keen to pursue this vigorously even if there is a cost attached. Thank you
  19. Hi, My partner received a claim form NICPC on 29th June which stated Welcome Financial as the Claimant and Hegarty as the address for sedning documents. My partner filled in the admission form with an offer to pay £50 per month. This debt was last paid in 2007 when his relationship brokedown with his wife and truth be told, he was not entirely sure that the amount owed was accurate, but just thought it better to agree to pay and get it out of the way. Without any other communication, he then received a Judgment for the Claimant (after determination) saying that the claimant objected to the rate of payment he offered and he was ordered to pay £213.96 per month by or before tthe 23rd August. He then got a letter through from IND saying that he should fill out the attached DD form but as he has no bank account (and I refused to set a DD up in mine) he contacted them and asked for their bank details so I could set up a standing order. They refused to give the bank details and said that he could only pay by DD or Payzone. They sent through a Payzone barcode. He got another letter through on the 1st August saying that the claim had been transferred to our lcoal County Court. He made is fist payment on the 23rd August. Another letter on the 29th August from IND with an attached Notice of Change of Solicitor to say that Welcome Finance are now acting in person. Notice of Application of Attachment of Earnings Order dated 30th August to say that he had not paid. He placed a call to IND who said they could see that the money was paid on the 24th August (was paid 23rd) but did not reach the correct account until 4th September, so he had failed to pay on time. I went to the court to return the Notice of Application of Attachment of Earnings (along with a lengthly explanation letter) with the box ticked that we would like the order to be suspended. The lady in the court said that we should apply to have the CCJ set-aside as we had had no chance to defend the claim. We paid the £80 fee and filed the N244 application saying that he had had no chance to settle the claim or make further offers to pay more money before judgment was given. Yesterday, received a General Form of Judgment or Order saying that his "application to set-aside judgment will be and is hereby struck out unless by 26th September 2012 the Defendant files in court and delivers to the Claimant a fully particularised draft defence to demonstarte that he has grounds for defending the claim. The details in the application to set aside judgment do not amount to a defence to the claim." Can anyone help? Do we have a defence, or was the lady in the court mistaken? Are they likely to grant the attachment of earnings even though we have proved (and provided receipts) that he did in fact pay on time? He has now made another payment (early) as well? Thank you.
  20. We have had various cases recently where PPCs have been involved, but all these relate to issues before 1st October. However have any of these cases set any precedents that may assist a defendant in a parking dispute after the 1st October 2012?
  21. Hi i have set up a few too many companies which have traded less than 50k per year in some cases dormant with a small overdraft some have overdrawn DLAs which need correcting. I have not kept proper accounts but I can get these sorted, but I need to close these companies as soon as possible and move on. Does anyone have any advice please? Thanks in advace Acy
  22. Hello All, Happy New Year, hope everyone had a great time over Christmas. I would like to seek advice please? I was “given” a Citi Credit Card when I got a loan out with them sometime in 2007. I had not signed any Credit Card Agreement for this. I realised recently that there were PPI premiums on there. Citi have agreed to refund all the premiums and give me interest although no period for the repayment has been stipulated on the offer letter. I have been reading through some of the forums and have sent a letter asking for a breakdown of how the offer has been calculated after reading some advice on here. Do I send a “SAR” letter with the £10 payment so that I know exactly what premiums were paid and what I should really be paid back. Citi obviously want to “set-off” against the outstanding balance that I still have on the card. After having read some of the forums on here, I have gathered that without the agreement, the debt is unenforceable? Can someone please clarify what this means? Does it mean that I cannot be taken to court but I obviously still have to pay the money back? I also believe that I had charges levied on the card due to missed payments. I believe these were those stipulated as being “reasonable”, like £12 charges. Does it apply even where there is no CCA for the card? I apologise for the number of questions and some that have already been asked before by others but I would like to tailor my replies to them according to my situation. I hope that I have posted this on the right forum - if not - I apologise. Thank you for any responses or suggestions that you might make.
  23. Good evening all I am currently helping a friend who had a CCJ judgement by default at Northampton CC for unpaid solicitor’s fees on 30 July 2012. It has now come to a point where the solicitors have made an application to the courts for a charging order against her home. The original hearing was on 3 October but was adjourned to 28 November. I am strongly in belief that my friend has very good reasons for asking the original CCJ judgement to be set aside for the reasons set out below. For the purposes of this thread my friend will be X and the solicitor’s Y. Timeline 3J une 2005 X receives a bill totalling £3,435.55 inc VAT for services provided by Y in relation to a divorce settlement. June 2005 to 29 June 2011 X got into serious financial difficulty and set up a DMP through the Consumer Credit Counselling Service (CCCS).The DMP had been in place for 6 years .Monthly payments were made to Y based on what X could afford each year and therefore varied for one year to the next. Only one monthly payment was missed in 6 years. 29 June 2011 X received a lump sum payment as part of the divorce settlement agreed by the courts. Originally the settlement amount was secured by a charging order against X ex-husbands property. This was 10% of the value of the property when sold. July to October 2011 X made several attempts by letter and phone to pay the outstanding balance to Y in full. Y never got back to X. 26 April 2012 Letter from Y to X. In brief · Outlining to X the outstanding bill of 3 June 2005, acknowledging the payments already made · Y had a sign authority and undertaking from X dated 12 Feb 2007 under which X had agreed to repay in full Y outstanding costs when the ex-husbands property was sold. To date this property has not sold · Confirmation that X had tried to arrange to pay the full balance from July to October 2011 when the lump sum payment was received · Y made proposals to settle the matter, which included - For an informal charge to be placed on X home address - Waive all interest from 2005 to Mar 2012 - Discharge all the costs of preparations of charge forms & dealing with HM Land registry - Would not legally enforce the informal charging order - Y gave X 21 days to agree to this. 26 Apr to 13 June 2012 X made no attempt to contact Y about their letter of 26 April 2012. 13 June 2012 Particulars of claim submitted by Y to the courts. 21 June 2012 X mum had a serious heart attack. 22 June 2012 Notice of issue served by Northampton Court to X. X had to the 6 July 2012 to reply. 2 July 2012 Acknowledgement of service sent to Y by X, but only partially filled in by X. X had to put in a defence to Northampton Court by 6 July 2012. 30 July 2012 Judgement for claimant in favour of Y in default as X had submitted an incomplete defence. 3 Aug 2012 Application for charging order on land or property in relation to the CCJ of 30 July 2012 madeby Y. 13 Aug 2012 Y submitted additional information in support of the application by Y for a charging order. Application order to be heard on 3 Oct 2012 28 Aug 2012 Letter from X to Y confirming receipt of all paperwork from Y over the past few months. 10 Sept 2012 Defence response to claim by Y. Witness statement of X signed on this date. X did not realise that this was supposed to go to Northampton Court for 6 July 2012. 24 Sept 2012 Reply on behalf of Y to the witness statement of X. 3 Oct 2012 Interim charging order hearing adjourned. Briefreason for set aside request Mum suffered a serious heart attack on 21 June 2012. Response pack received and partially filled in by X and sent to Y. Acknowledgement of service not dated BUT envelope and contents received by Y on 2 July 2012. Y sent out a reply on 3 July 2012 advising that the original Acknowledgment of Service had not been fully completed and possible steps that can be taken. X received this on 4 July2012 and had to submit it to Northampton Court by 6 July 2012. X mind was not in the right place as a result of her mum’s heart attack and would have filed a proper defence if this additional stress was not present. Questions 1. If X applied for a set aside request, based on the facts provided, what is the chance of her achieving this? 2. What is the procedure for requesting a set aside order? Any advice would be greatly received.
  24. HSBC is expected to pay more than $1.5bn (£933m) in fines to US authorities within weeks to settle money-laundering investigations into its business. HSBC is expected to pay more than $1.5bn (£933m) in fines to US authorities within weeks to settle money-laundering investigations into its business. The bank could be fined the sum as early as next week as part of a settlement with federal prosecutors, according to reports yesterday. HSBC has put aside $1.5bn to meet the cost of the fines, but admitted at its latest results presentation that the eventual penalty could be “significantly higher” and that it could face criminal charges. Yesterday’s reports put the likely size of the fine at $1.8bn. HSBC declined to comment. The fines relate to an investigation of HSBC’s US and Mexican operations that found the bank had allegedly ignored warnings that billions of dollars of funds being moved between the two subsidiaries were linked to drug trafficking. A Senate committee described the bank as “pervasively polluted for a long time”. It highlighted what it said were lax controls and inadequate compliance by staff as the bank was accused of handling transactions involving terrorists, drug lords and rogue regimes. Link: http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/9728409/HSBC-set-to-pay-more-than-1.5bn-to-settle-money-laundering-probe.html
  25. Millions of Lloyds customers will this week learn that their accounts are being transferred to a new bank. Letters are being posted to 3.5million account holders at 447 branches in England and Wales who will be moved by November next year. It is likely they will become part of the Co-operative Bank. To begin this process, Lloyds is moving customers to its banking licence held by Lloyds TSB Scotland. This will happen over the next few months. The Lloyds TSB Scotland brand currently has 185 branches and 1.1million customers. In November, the TSB Scotland licence will be transferred to the Co-op - and with it the 4.6 million customers and 632 branches. The only visible change will be the bank name at the top of their statements. Until next summer, they will still be able to use Lloyds TSB branches in England and Wales. Read more: http://www.dailymail.co.uk/money/saving/article-2239533/Lloyds-Banking-Group-3-5m-accounts-Scotland.html#ixzz2DXZTvMMP
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