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About Me


  1. Citigroup has agreed to pay $590m (£373m) to investors who allege they were misled about the scale of the bank’s ownership of troubled mortgage debt before the financial crisis. The class-action suit, which was filed in New York in 2009, accused Citi of employing a “CDO-related quasi-Ponzi scheme” to conceal the growing risks on its balance sheet from the mortgage-backed debt and collateralised debt obligations (CDOs) it owned. Citi told the investors that the CDOs had been sold when, in fact, the bank still remained liable for any losses the products suffered, the lawsuit claimed. The s
  2. Would like some help for a friend regarding a draft settlement agreement regarding wages owing, is there a standard wording that should be used for a small amount of money. My friend does not want to employer a solicitor as this would mean less amount of money that will be received by him.
  3. I was on here about 8 months ago, I wont get into very long story, which was heated to say the least, but bascially Santanders system restarts (paid off) charges (on a non overdraft account) every 4 weeks that no staff or managers could understand how to stop. Santander made errors that gave rise to the overdraft, but that is not even relevant now why it started. Eventually manager closed account unable to comprehend how continually throwing money at it never stopped the problem. In my research i made contact with somebody who programs their computer systems and basically you need to un
  4. Hi there everyone I have only recently found this forum (today) of which i have read a lot of posts, some have been insightful, others confusing (probably my lack of understanding all the acronyms). Let me introduce why i'm writing on this forum, i recently joined Experian to check my credit file as my future wife and i are planning to buy a house in the next few months. I entered some trouble 3-4 years ago with credit (not a lot) but suffice to say i have two default accounts on my report. I have not really used credit since really, I have an overdraft which i
  5. i am a bit bewildered about the consequences of paying off a debt that defaulted in June 2005 i owed approximately £500 originally on a store card which defaulted in June 2005 - a CCJ was taken out against me in March 2006 by which time the debt had increased to approximately £750 i have now received a letter from a debt collection agency stating they will accept 20% of the balance (i.e. £150) as full and final settlement from the point of view of my credit record, and the 6 year bar, do i cause myself bigger problems by settling the debt? i am not sure if i understand how
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