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    • I came back home on Monday and found this Claim form in my letter box. In the light of what I have explained earlier in regards to this debt claim, can anyone tell if I have any chance fighting it in th Court. SW in the last conversation request the proof of me living somewhere else, which I can't provide. They have info from the landlord of property being rented to me, I was there on electoral register, had bank account opened on this address, Driving licence had this address etc., but I wasn't living there.      Name of the Claimant -  Southern Water services   Date of issue – 12/06/2019     Particulars of Claim   The Claimant is statutory...etc The Claimant claims the sum £969 for unpaid water and or sewerage charges payable under s. 142-144 of the act and the Claimant Charges Scheme. The unpaid sum of £969 is for period 01/04/2014 - 08/07/2015. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year  from 08/07/2015 to 11/06/2019 and also interest at the same rate up to the date of the judgment or earlier payment at daily rate of £0.21   What is the total value of the claim? £1423   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? yes Letter before Action   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?  Yes, COA address.   Did you inform the claimant of your change of address? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?    No, water charges   When did you enter into the original agreement before or after April 2007 ? Allegedly after - April 2012   Do you recall how you entered into the agreement...On line /In branch/By post ? No   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No, no anymore   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Southern Water - original creditor   Were you aware the account had been assigned – did you receive a Notice of Assignment?   Did you receive a Default Notice from the original creditor? No.   Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No   Why did you cease payments? Never. I wasn't aware of bills.   What was the date of your last payment? Never   Was there a dispute with the original creditor that remains unresolved? Yes, creditor did not take my notice of bills being wrongly issued in my name.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No  
    • If the case was brought before a UK civil court would UK rules apply or foreign rules?   I wonder if the original contract would strate what jurisdiction it's terms would be decided by?   I note that UK contracts frequently have a clause that says in so many words that any disputes  will be interpreted under UK law.
    • http://www.hadefpartners.com/News/333/Limitation-periods-in-the-United-Arab-Emirates   One of the key limitation periods to be aware of is the limitation period for a claim for breach of contract. We have been approached by many clients (including in-house counsel at large multinational and local companies, and even international law firms) who believe that the limitation period for a breach of contract (including a commercial contract) in the UAE is 15 years. What they are often not aware of is that the limitation period for commercial contracts (as set out in Federal Law 18 of 1993 (the “Commercial Code”)) is usually 10 years. Therefore, multi-million dollar claims dating back over more than 10 years may now be time-barred.   https://www.jstor.org/stable/3381662?seq=1#page_scan_tab_contents
    • how long did you sign up for ? if they claimed DD after that period …….
    • If this thread was started about your friend, please don't ask Q's about your dad or anyone else.   Keep this thread on track and use a new thread to discuss issues about YD, thanks.   Keeps thread simple and focused.
  • Our picks

    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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      THIS IS HOW THE PHONECALL WENT 
       
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      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
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    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
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finlander

Calling All Ex Bank Workers

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2636 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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:).........

 

In a world brissling with credit crunches..... redundancies in the banking sector etc etc... I am wondering if there are any folks out ther who have just been dumped by their employers after years of loyal service who want a little pay back........are you :mad: .. do you want to go :p at your old bosses........ there must be quite a few and getting more each week who have been deemed 'not profitable' anymore....

 

Well nows your chance...share all the little secrets you know... dish the dirt......

 

FIRSTPLUS, HSBC, NORTHEN ROCK THE LIST GROWS....

 

your on our side now...help us........;)


Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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......I guess as its only ex disillusioned bank workers you want not current happy bank workers I will just shut up :D


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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:D:D LOL :D:D I was waiting for your reply to this YB :D:D

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Pleased I haven't disappointed you;)


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Theres a few things I could say about a certain large credit card firm that I used to work for and a certain large high street bank I used to work for as well.... bit worried i might be cagbotted tho :D


THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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Perhpas you would be interested in knowing I could look up anyone's account details and would've easily been able to casually jot these down and take it out of the building.

 

Also I would have been able to steal some cash on my last day which would've been extremely difficult to prove beyond reasonable doubt. Good job I'm such an honest chap (which is why I left BTW).


The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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you left, indebtstudent, I can tell I have been away from here for tooo long.....blimey, this is bad, I thought there was at least two active bank workers posting on here, GULP.

Should I duck again? :D

Is there anymore of us bankie workers with the balls, courage to post on here?


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I don't really care if your a happy bank worker or a disgruntled one. All info is greatly received. ;)

 

Interesting to think how long you will stay happy with things as they are... I predict big changes ahead


Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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The question is how you measure, happiness. Is it with the people you work with, the people you serve, the policies and processes you deal with or because you have a job that pays the bills?

I suspect huge changes ahead as well within UK Banking as a whole.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I don't think the changes are a bad thing, even if the dreaded fees for a current account return people will be forced to (shock horror) actually THINK about thier current account. I know its a huge ask, but they'll have to shop around and discover how much they're getting ripped off.

 

The fact that HSBC promotes the 8% in credit interest rate on its bank account plus tells you exactly how sophisticated the average bank customer isn't when choosing an account. A casual glance at this account reveals anything you gain on the interest will be more than wiped out by the fees.

 

The overdraft is nothing to shout about as you can beat all of these features for free elsewhere.

 

The thing that amuses me is thinking about, if the banks do play the fees card, how they will handle the massive increase in complaints they get. People WILL complaint if they SEE what they are paying for something.

 

Thoroughly glad I'm to hell out of it.


The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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yourbank,

 

It doesn't look like there are any other bank workers who will post unfortunately. Perhaps everyone is leaving because the game is up for the banks now. People tolerated the greed and excess when the banks threw money at them but those days seem to have gone. Now I think you will start to see everyone wanting their pound of flesh back. I think that the world is about to become a lot more competative and harder for those in the industry. When the bank of england says 'the good times are over ' I think they mean for both sides not just those hungry for credit.;)


Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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Perhaps everyone is aware that to post adverse comments on their own institution CAN lead to disciplinary under the staff code of conduct if they are current bank staff.

You asked if anyone who worked for the bank wanted payback? Answer seems to be a resounding NO(quite a result for the Banks' would you not say?)

RBS Group are not making redundancies at all, and in point of fact have no plans to do so at branch/business level.

Credit crunch and bank employees being sacked? In the City maybe, but not the branches. We are firmly recruiting more staff. People may not necessarily want to work in a bank but the pay and overall package is, in my opinion, not tempting me to leave the RBS Group.

Pay, staff benefits and how they treat you within the Group. I don't see the good times being over tbh.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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yourbank ........take a look at my thread ...Big Claim aginst RBS, maybe you will realise what kind of organisation you do work for.

 

Even you will be amazed.

If you are not .......then I must agree you are the type of person RBS need, and agree you should stay put with them.

 

 

sparkie

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Nothing I read on a bank charges forums changes the way I think about RBS Group. It is about perspective. My own perspective has never been anything but constant on the forums. I have read the good, the bad and the ugly about NatWest/RBS Group and i remain in my view. Nothing will change that.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Nothing I read on a bank charges forums changes the way I think about RBS Group. It is about perspective. My own perspective has never been anything but constant on the forums. I have read the good, the bad and the ugly about NatWest/RBS Group and i remain in my view. Nothing will change that.

 

I must say I respect your honesty,

 

sparkie

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Yourbank,

 

you must be pretty senior then???

 

When my relative (the one I mentioned in the other thread, the one who had a nervous breakdown) worked for NatWest, he said to his wife that he was thinking of leaving to go and work for the local SUPERMARKET as the managers there earned more than he did!!!! And bear in mind that he was one of the youngest branch managers in the North of England. (in fact I beleive at one time he was the youngest)

 

I think your honesty and loyalty should be applauded. You wouldnt catch me talking that way about Abbey or Cap 1 who I worked for :D


THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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yourbank,

 

Kind of contradict yourself there. staff can be disciplined for tell the truth about their employers but none of them want payback so thats a good result for the banks? Perhaps they are just scared. Doesn't sound very good for the banks that. Frightening their own employees and restricting their freedom of speech. Still what ever turns you on.....;)


Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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Staff CAN be disciplined when they make comments on the internet. What if I was to say that Sir Fred Goodwin take a percentage of all monies taken as a result of bank charges only?(That is completely untrue, btw). Should a comment like that maybe made on facebook be allowed to remain without recourse? Is that threatening or is that something else? Perspective is everything in this. What you view as frightening employees is nonsense to be honest. Code of Conduct is something that is applicable to everyone from cashier to chief executive.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Also there are certain rules you have to follow with regard to confidential materials for example.

 

I was (rather stupidly) given info on coming changes in the way Natiowndie does some thing (not relevent to charges I hasten to add). I had signed a confidentiality agreement but wouldn't have objected if they had excluded me from the briefings because I was leaving.


The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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I know of impending changes with NatWest NOT charges related but I won't post on any site REGARDLESS.

While you are working for the RBS Group or any bank you are under the confidentiality agreement while you work and while you dont because it relates to when you were under that agreement. It's a bit like being a nanny for Peter Andre and Jordan, you cannot release details to the press.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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It's a bit like being a nanny for Peter Andre and Jordan, you cannot release details to the press.
Oh go on, not the details, just the tit-bits ;)

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yourbank, lean?

 

hbos just brought it in..

 

that and a good few other changes are being processes across the group.

 

shall be interesting.

Edited by Curr946

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browne all bank staff can be prosecuted for leaking "insider" information

 

even posting something simple can be seen as gross misconduct if caught.

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