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Found 11 results

  1. A few months before my father's death last year, a family member (who frequently helped him with his online banking activities and was therefore privy to his passwords etc) liquidated £145,000 of his shares and transferred the proceeds to themselves. We believe that this was done without my father's knowledge or consent. Barclays advise us that they called to check that this activity was in fact authorised by my father. These phone calls were recorded by the bank. We believe these voice recordings will prove the person claiming to be my father and authorising the transactions was, in fact, the family member who benefitted from these transfers. Barclays has refused to provide copies of these voice recordings and has offered written transcripts of the recordings instead (these have not yet been delivered). Clearly, identifying the person claiming to be my father from a written transcript will be impossible (apparently they answered security questions correctly). It is only by identifying the voice itself that will prove that fraud has taken place. N.B. We have the legal power of attorney to act on behalf of our mother (these were joint accounts in both parents names), as she is mentally incapacitated by Alzheimers and unable to act on her own behalf. Does anyone know of any way to compel the bank to provide these voice recordings?
  2. Hello Everyone! I had a Natwest Mastercard account, which was defaulted in 2006. I have been paying off monthly sums direct to Natwest every month since, no PPI and interest not being added. Late payment and overlimit fees of £175.00 unclaimed to date. Account balance approx £8K The account has never ever been shown on any CRA reports, even before defaulted. Natwest have now advised that they have now "partnered" with Wescot Credit Services, who will now "manage" the remainder of the repayment plan, and that I should continue to maintain payments direct to Natwest. In view of this, I made a CCA request under section 78 (1). Their response to my CCA request was, as the account was opened prior to 19th May 1985, that the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 applies to the account, and it is therefore sufficient for them to send me a copy of their current terms as a "true copy", and therefore the agreement is enforceable. The copy that they provided is headed "Credit Card Agreement regulated by the Consumer Credit Act 1974, and is on the reverse of a "Replacement credit card" letter, addressed to me at my current address, not at the address where I lived at when the account was opened. Are they correct in their view that the agreement is enforceable? As usual all comments welcome. Thanks t
  3. READ MORE HERE: https://www.gov.uk/government/news/copies-of-the-iraq-inquiry-report-for-families
  4. I'm about to submit FOS questionnaires pertaining to a couple very old credit card accounts. I believe the PPI associated with each of these cards was mis-sold for a number of reasons. At the same time, I signed up for both these cards 20-odd years ago and, that being the case, my recollection of exactly what happened is a little bit hazy. With that in mind, I have sent off Subject Access Requests in the hope that it might shed a little more light on proceedings before I complete the questionnaires. I appreciate these are unlikely to yield a copies, even reconstituted ones, of my original credit agreements. However, I understand that under sections 77, 78 & 79 of the Consumer Credit Act 1974 a borrower can demand a copy of their credit agreement. What I am unable to ascertain – and would, therefore, appreciate some clarity on – is whether this applies when the agreement has been paid off some considerable time ago, ie more than six years. Moreover, if the aforementioned legislation doesn't entitle me to obtain a copy of such credit agreements, can anyone suggest an alternative mechanism via which I may be able to obtain copies of them? Thanks in anticipation Fred_Funk
  5. Hi there, I am hoping for a quick bit of advice. I move into a new property of Monday, and the housing association have told me the following - 1. They want to take photos of myself and my wife for "their records". I am not particularly happy with this as I dislike cameras in general. It makes no mention in my tenancy of this. 2. As we are on Housing Benefit, they want us to start paying £10 a week in anticipation of Universal Credit, so we can build up a credit on our rent account. I have not had to do this with my current council place. Again it makes no mention of this in my tenancy. I am moving from my Council Property with a secure tenancy to a housing association on one of their starter tenancies. I don't want to rock the boat too much as my tenancy will not be a secure one. What can I do? Has anyone else had these issues? Thanks
  6. Hello, I am after some advise please to help with my defence as to whether I can seek and obtain copies of any transactions relating to my load account with Lloyds prior to the sale to Cabot and if whether the sell price can be admissible in the balance I should be paying to Cabot as opposed to what they've put claim in for. Recently been served with a CCJ for defaulting on installment repayment for an unsecured loan I obtained from Lloyds TSB in 1994. The agreement of sale points to this taking place in Oct of 2012. I need advise also on how and if I qualify for PPI , as this can perhaps be what I can repay the outstanding amount owed. The loan was unsecured.
  7. Hi, I have just renewed my car insurance and the provider is requesting copies of both mine and my partners driving licences!! Is this law? can I refuse? Im not hiding anything, I just dont like it when businesses start making my life more difficult with all this crap. Now I have to dig out these items, photo copy them and post them. Why dont they just deal with this direct with DVLA instead of making it my problem!! Anyway, can I just say No. Ta
  8. I have some questions about the correct procedures for County Court summonses. I'd be really grateful if anyone could advise me on any of these queries. I have read the guidance notes for both online and paper forms but still have some uncertainties. Background: I am about to issue a County Court summons for unpaid compensation for use of part of my property by a builder. The basis of the compensation is set out in an agreement and related emails. My questions: 1) When sending in a paper N1 form, is it correct to send supporting paperwork with it? E.g. Copies of agreements, contracts, print outs of related emails. 2) Exactly how many copies of the N1 form, defendant's notes, and supporting documents (if these should be sent with the N1) do I need to send? I assume from the guidance that it should be a total of three copies of everything: One copy (i.e. the original form) for the court, one copy for the defendant, and one copy for me (to be sent back to me). 3) I was originally planning to issue the summons online but the Particulars of Claim box on the MCOL website is absurdly small. How does anyone explain the key points of their case with so few characters and lines to work with? Any help on these queries will be really helpful. Edit: I have found the answer for question 4. Questions 1, 2 and 3 still confuse me. Answered question below: 4) I am aware that one can send additional PoC by post if using the online form but, as I understand it, these later PoC are only to be sent to the defendant. The Court and the Judge will not see them unless and until the case comes to a hearing. Is this correct, or should one send additional PoC to the court as well as to the defendant? Answer: I see that form N215 'Certificate of service' requires that documents sent to the defendant must also be sent to the Court.
  9. How likely I am to get disability element on top of my working tax credits, based on the tax office guide lines, I think I would be entitled to the disability element, but dont know what the tax office would think I work 16+ hours per week Due to my health, I am unable to work, 5 days per week, or any long shifts now, so I only work 4 days ,and 6.5 hrs I have a secure job, in asda, so for me to find a new job, I think I would have some difficulty in doing so My health is poor, due to slow heart rate, high cholestral, and angina, easily get tired, and exhuasted. Have been in and out of hostipal getting tests done for last 2 years Because of my health I have had to take time of sick, and the way my days of sick work, does not allow me to get ssp, as it is my day off Since my health has got poorer, my earnings have been vastly reduced; 2008-2009, £12,600; 2009-2010, £9500, so my gross earning are less than the year before If I didnt get disability element then I would have to work more hours just to meet outgoings, but in doing so, I may very well make my self more ill, as I realy need to rest
  10. Hi All, Can anyone advise on the chances of getting copies of bank statements or similar info dating back to 1992. Sadly I'm going through a divorce and the other Party want proof that the equity from the sale of my first house went into the marital home. Normally, the equity (money) would not go through a personal account but due to complications and a bridging loan I believe it did. HSBC have told me that they only keep records for 6 years but I've also been told that the person I spoke to (at HSBC) is talking rubbish. Any help will be very much appreciated.
  11. Morning I've been in letter tennis with BCW for a while regarding an old mobile phone debt which has/had an outstanding balance and early termination fee. The tennis has largely surrounded BCW sending me a one page statement of the account and telling me to pay, and me asking for a full breakdown of outstanding amounts and a copy of the contract/T&Cs regarding the early termination fee. Their final letter has told me that I need to go back to the Original Creditor for the contract/T&C's - however I'm loathe to spend £10 SARing the OC or documents I think they should have if they're to go anywhere further with this account. Is it my obligation to approach the OC for documents or am I ok to sit tight and request supporting evidence of the deby from BCW? Thanks BSBS.
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