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    • @Manxman in exilethank you for your input its very appreciated yes I've limited time will see what I'm dealing with when I get back 
    • If you are flying away tomorrow (or rather this) morning I'd just forget about complaining to the police now.  As BF said earlier it's probably just a waste of your time anyway so I wouldn't worry about it.  Forget it for now.  Have a safe flight and concentrate on your other thread against Aviva.
    • I'm afraid you won't get a complaint drafted before tomorrow morning - and I think most others here think it would be a waste of time anyway and that the police decision won't change.  I would ask for a review and make a complaint on principle, but I suspect you are better off concentrating your effort on your other thread and direct complaint against Aviva.   Unless you are out of the country for an extended period I'd wait until your return before considering futrther whwther to complain about the police.   [ By the way, just so that you don't mislead yourself as it's a mistake many people make, ALL agreements are "verbal" in that they are composed of words.  Some agreements are in writing and others are oral, spoken or vocal.  The law recognises oral or spoken agreements just as much as ones that are written down.  The only practical difference is that oral agreements can be difficult to prove in a dispute]
    • Just to add there is a scheme called the Victim's Right to Review.  It basically applies to decisions made by the CPS not to go ahead with a prosecution.  It doesn't apply to decisions made by local police forces, but it does say:   19.  Decisions that are not eligible for VRR include: ... iii where the police or other investigator exercises their independent discretion not to investigate or not to investigate a case further (whether in consultation with the CPS or not) and the CPS have not been requested / have been unable to make a final decision to charge. Requests for review of such decisions should instead be addressed to the relevant police force/other investigator; [My bold] Victims' Right to Review Scheme | The Crown Prosecution Service WWW.CPS.GOV.UK   I'm not familiar with the scheme so can't advise - but other posters here may know about it or have experience of it.  You need to read the above link but note that it talks about things that seem to fit your situation.   eg a victim is defined as ‘a person who has made an allegation that they have suffered harm, including physical, mental or emotional harm or economic loss which was directly caused by criminal conduct’.   If you have not already requested that the police review their decision not to pass the case onto the CPS, then I would do so.  If you are not happy with the outcome of that, complain.   I can't advise you definitely to go ahead and ask for a review or complain, but if I were in your situation that is what I would do.  But I tend to agree with BankFodder that you'll get nowhere and, if you are sick and tired of all this and just want it to go away, then just drop the police.  However, if you don't try...   [Apologies for the italic typeface/font - it's the above link causing it.  The italics should have stopped at the end of the third para above ending ' ... criminal conduct'.  I can't change it.  Very annoying]
    • @Manxman in exile I eloped to get with my husband si my husband and siblings never sat together in the same room .   Hes claiming a verbal agreement was made but a verbal agreement doesn't hold any water in the eyes of the law..no agreement was made I was in Leeds with my toddler.    He has made use of the policy , had the luxury of the insurance and reversed the money back and now Aviva are coming after me.   You've summed it up well is there anyone in the group that can help me draft the complaint to the police as I'm flying out first thing tomorrow and my head is all over the place.   My husband me Mr z , my late father and eldest brother were at this meeting supposedly when the verbal agreement was made but yet the officer took a statement off the eldest brother and didn't take it off the husband and based the final decision on the eldest brothers statement and Mr Z and all other evidence which is in written form has been completely dismissed    I'm fighting it all alone coming from an Asian background I am getting taunts and salt is bring rubbed on my wounds its not been a pleasant experience yo say the least trying to prove my innocence and having to listen to the b******* being spouted out by everyone whilst Mr Z is walking away not guilty 
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Swift Advances. Secured Loan Charges reclaim


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Or did your banking exams not require you to actually count to nine in greek?

G

 

Okay nine for greek and I will spell it phonetically is en-a-ah. You want 1 to 8 and ten as well? LOL:)) I could teach you 1 to 10 in Japenses as well if you want.

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Okay nine for greek and I will spell it phonetically is en-a-ah. You want 1 to 8 and ten as well? LOL:)) I could teach you 1 to 10 in Japenses as well if you want.

Thank you kindly BG I do need educating in the event that one day I may learn enough to become a banker.

G

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Ahhhhhhh!!!!!!!

There I was starting to believe and be drawn in to TIE.................he seemed to have me taken in.....then what happens.......he starts "slagging" Sparkie off again!!!!!!! Why surely he's...a banker !!!!! why should I have believed him....after all we should remember.....TCF..... Treating Caggers Fairly!!!!!

Jaws seems to see what is going on though ...they seem to see the light!!!.....every ioda......or is that IOTA???? perhaps my greek isn't as good as it used to be???????

 

Doc (as in Doctor)

 

 

TIE...please PM me I'd love to know which "Bank" you work for ....I'm just very surprised at the way you come across as a banker.....I'm intrigued.....or perhaps I'm just "gullible"!!!!!

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Stick to the facts, not the personalities, that way we get to the issues, not the differences of personalities. We all come from different backgrounds, professionally and otherwise, many of us had to learn from scratch, others may have the benefit of a job which has given a different and better insight. Collectively, we can come up with questions and answers. Acknowledge people's differences and beg to differ, just try not get personal, it achieves nothing and everyone is trying for the same result - the truth, the action we can take, the resolutions.

 

 

'Synergy' - the power of many added together to become a bigger force as one.

 

 

A1

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Guest takeiteasy

That is the common sense way to approach this, focus on some misspelled words and nothing else. I agree, it did stand out amongst all of the grammatically correct sentences and the analytical and reflective writing spread out across this board.

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TIE You keeping schooling me into getting my facts right when you say things as this

"Also, it did not take the FSA 3 years to get GMAC and that was for TCF issues not the things you're on about."

I did not say the FSA because it was not the FSA I actually said the aithorities...it was actually the OFT and it was about extortionate penalty fees and charges...it was a short time after this big fine and the forcing of the pay back of over £7million in charges and fees that Swift Advances plc reduced some of their charges.

On another subject could JAWS 2010 be J ohn A lfred W ebster S wift.......no can't be I'm delusional again:rolleyes:

It's just a coincidence more than likely anyway its a good laugh ...to me anyway but I've got a scouse sense of humour

John Alfred

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Guest takeiteasy
Ahhhhhhh!!!!!!!

There I was starting to believe and be drawn in to TIE.................he seemed to have me taken in.....then what happens.......he starts "slagging" Sparkie off again!!!!!!! Why surely he's...a banker !!!!! why should I have believed him....after all we should remember.....TCF..... Treating Caggers Fairly!!!!!

Jaws seems to see what is going on though ...they seem to see the light!!!.....every ioda......or is that IOTA???? perhaps my greek isn't as good as it used to be???????

 

Doc (as in Doctor)

 

 

TIE...please PM me I'd love to know which "Bank" you work for ....I'm just very surprised at the way you come across as a banker.....I'm intrigued.....or perhaps I'm just "gullible"!!!!!

 

 

I will check my "banker" hand book to see how I should come across in a CAGER forum. But I will tell you now that there are some big meetings taking place in the the super special society of bankers in Dublin this week, and trust me, these guys don't mess around. There will be some big news coming out of there any day now. I have it from a reliable source. Dont be surprised if my spelling improves and I start using obscure bird references and underlining words and adjusting fonts to get my point across. Just you wait and see...I can say no more.

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I will check my "banker" hand book to see how I should come across in a CAGER forum. But I will tell you now that there are some big meetings taking place in the the super special society of bankers in Dublin this week, and trust me, these guys don't mess around. There will be some big news coming out of there any day now. I have it from a reliable source. Dont be surprised if my spelling improves and I start using obscure bird references and underlining words and adjusting fonts to get my point across. Just you wait and see...I can say no more.

 

 

Oh Blooming hell this is getting scary!!!!!!!!!!!!!!!!!!

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Guest takeiteasy
TIE You keeping schooling me into getting my facts right when you say things as this

"Also, it did not take the FSA 3 years to get GMAC and that was for TCF issues not the things you're on about."

I did not say the FSA because it was not the FSA I actually said the aithorities...it was actually the OFT and it was about extortionate penalty fees and charges...it was a short time after this big fine and the forcing of the pay back of over £7million in charges and fees that Swift Advances plc reduced some of their charges.

On another subject could JAWS 2010 be J ohn A lfred W ebster S wift.......no can't be I'm delusional again:rolleyes:

It's just a coincidence more than likely anyway its a good laugh ...to me anyway but I've got a scouse sense of humour

John Alfred

 

This looks a lot tlike the FSA to me Sparkie? And I stand by my belief that this is where you and the rest of the CAGERS have your best opportunity to be whole or partially whole. Whether through the FSA, OFT or another regulator.

 

FSA/PN/147/2009

29 October 2009

The Financial Services Authority (FSA) has today announced it has fined GMAC‑RFC Limited (GMAC-RFC) £2.8million for failing to treat customers fairly and secured redress of up to £7.7million (plus interest) for over 46,000 mortgage customers.

Between 31 October 2004 and 30 November 2008, a number of serious failings by GMAC-RFC were identified in relation to its dealings with customers experiencing arrears and repossessions. These include:

  1. excessive and unfair charges for customers that did not reflect administration costs;
  2. proposing repayment plans that did not always consider a customer’s individual circumstances;
  3. inadequate training of mortgage servicing staff in handling of arrears and repossessions; and
  4. issuing repossession proceedings before fully considering all the alternatives.

The case sets a precedent, with the FSA concluding this investigation in a matter of weeks, and the firm working with the FSA to agree a process to enable customers to receive redress as quickly as possible.

As a result of early settlement, the firm qualified for a 30% discount under the FSA’s settlement discount scheme. Without the discount the fine would have been £4million.

Margaret Cole, director of Enforcement and Financial Crime, said:

“This case shows credible deterrence in action. It is an excellent example of what the FSA’s more intrusive approach can achieve for consumers, and it reflects what we said in our Mortgage Market Review last week about unfair mortgage arrears charges. Mortgage lenders and third party administrators should read this final notice and the Mortgage Market Review and take action in the interests of their customers.”

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Just a quick question does the

 

Pre contract information: Disclosure of information by the creditor or lender

 

apply to unregulated agreements too?

 

hi

Sorry to but in just stumbled across this , no one seem to have answered yet so.

 

No the Pre contractural oblligations that are required by a regulated agreement si1481 do not apply to unregulated ones

 

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Just a quick question does the

 

Pre contract information: Disclosure of information by the creditor or lender

 

apply to unregulated agreements too?

 

hi

Sorry to but in just stumbled across this , no one seem to have answered yet so.

 

No the Pre contractural oblligations that are required by a regulated agreement si1481 do not apply to unregulated ones

 

Peter

 

 

Thanks peter,

 

Well that is one mystery solved for me [where the smileys gone on this site?]

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Just a quick question does the

 

Pre contract information: Disclosure of information by the creditor or lender

 

apply to unregulated agreements too?

 

hi

Sorry to but in just stumbled across this , no one seem to have answered yet so.

 

No the Pre contractural oblligations that are required by a regulated agreement si1481 do not apply to unregulated ones

 

Peter

 

 

I thank you too Peter:)

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Just my delusional thoughts again... but a laugh and a joke anyway........JAWS ...John Alfred Webster.SWIFT....no can't be!!?? That' just a coincidence most probably.

sparkie

 

 

:D:D:D:idea:

 

:cool::cool::razz:

 

You worked it out, Smart guy!!!!:oops::oops:

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Guest takeiteasy

Gallahad - Once again fantastic logic. I misspelled a word, you signed up for a mortgage with Swift presumably without getting legal advice before you signed? That seems a far worse infraction. If proper spelling is what you seek you should find another board beacuse this one is riddled with typos and misspelled words. Doctors, bankers and even CAGERS do it all the time. The truth of the matter is most people don't care one ioda.

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I still await answer or a view as to how a company ...any company can state it lends money to the domestic market and state that .......it is regulated by certain Acts and Authorities hold these loans on their books....class them as asetts when it is clear and proven that these statements are completely and irrevocably false....no-one as yet has answered me. So I await.

By the way JAWS2010.....does the word "GROUP" hold any meaning to you ...if it doesn't it certainly will VERY shortly...it will come as a little bit of shock to you I think?

 

sparkie

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Gallahad - Once again fantastic logic. I misspelled a word, you signed up for a mortgage with Swift presumably without getting legal advice before you signed? That seems a far worse infraction. If proper spelling is what you seek you should find another board beacuse this one is riddled with typos and misspelled words. Doctors, bankers and even CAGERS do it all the time. The truth of the matter is most people don't care one ioda.

 

 

How many people sought legal advice before signing their loan/mortgage agreements? The majority of people place their trust and believe that this ground work which covers the legal side to of agreements will/would/should be covered by the brokers appointed to carry out this work.

 

It has only been a short while since the skeletons in the closet have started to come out and the consumer/borrower has found that what their trust has been not only fiddled about with by the broker and lender but also that they are up against many challenges to prove what they believe is right.

 

If we can get back to the subject of this thread and forget about the occasional spelling mistakes made then that will be great!

 

TIE, a question for you please if you don't mind?

 

Q. What help is available for people who have an unregulated secured loan and they are not happy with the terms and conditions that they signed?

 

I believe that my agreement contains many flaws and would like to know what to do about this please. I look forward to your response.

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Guest takeiteasy
I still await answer or a view as to how a company ...any company can state it lends money to the domestic market and state that .......it is regulated by certain Acts and Authorities hold these loans on their books....class them as asetts when it is clear and proven that these statements are completely and irrevocably false....no-one as yet has answered me. So I await.

By the way JAWS2010.....does the word "GROUP" hold any meaning to you ...if it doesn't it certainly will VERY shortly...it will come as a little bit of shock to you I think?

 

sparkie

 

How was it proven? If your claim has proven to be true, what's wrong with it? Who other than you, says it's wrong or illegal? What exactly are you saying is wrong or illegal? That may help to understand what you think they have dome wrong in this instance. Your question cannot be answered in the context you have written it. You need to provide more information because without it the question doesnt make sense. You state what they did - which is not illegal then say how can they do it when it's irrevocably false. Again, what are you claiming and what expert agrees with you?

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I see that there are certain individuals on the thread who are questioning Sparkies integrity.....Sparkie was involved in exposing the RBS [problem] below.

 

 

http://www.timesonline.co.uk/tol/news/uk/article5299156.ece

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Well reading what Sparkie put on about the search just above they AINT ALLOWED TO DEBT COLLECT MONIES ?

Debt collecting Removed

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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Pointless telling a TROLLEY DOLLEY PAUL huh

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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