Jump to content


  • Tweets

  • Posts

    • So I just found a couple abandoned traffic cones locally by some bins.   A bit squished but free!  So have placed them on the land.  Will wait to see if the cones get moved and signs ignored again this week before I consider rocks/ boulders.
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later the your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. So if you subtract the time you took to drive from the entrance. look for a parking place and park in it perhaps having to manoeuvre a couple of times to fit within the lines and then unload the children followed by reloading the children getting seat belts on etc before driving to the exit stopping for cars, pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
    • Hi  no nothing yet. Hope it stays that way 😬
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Natwest sold me a dodgy loan


stumpydave
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5686 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Not sure if this is the correct place for this post but here goes:

 

Back in about 2000 / 2001 NatWest called me in to the bank.I thought it was for a ticking off as my account was in a right mess. However, the woman told me she was off at the end of the week and needed to get her accounts in order! She then "sold" me a £15,000 loan (at the second attempt). The first time she tried based on my income it rejected, so she tried again including expenses as well, even though I pointed out that wasn't actually income. The loan was to pay off Natwest Visa (10k & overdraft about 3.6k, but she topped it up to give me a little extra).

 

Anyway, the loan went through and sure enough I defaulted quite quickly (along with about 6 other creditors).

 

I signed up with Payplan and have been happily (or unhappily) paying back ever since.

 

All creditors have been reasonable except NatWest. They pretty much immediately pursued the CCJ route, and I have now missed 2 payments because I lost my job and they are threatening a charging order.

 

Now I am working again and can resume payments but their solicitor is not really listening.

 

So I have decided to complain (via the financial Ombudsman) about mis selling. My points are:

1. Didn't ask for it

2. Bank employee falsified the figures to push it through

3. Bank new I was a problem gambler at the time

 

I have 2 qustions really:

1. How long will it take for them to get a charging order, and are there any delaying tactics I can use?

2. Any ideas whether I will "win" my mis selling complaint, or whether I have left it too late to complain? I've agonised over it for years, but always felt I needed to take responsibility for my actions, but now I have such a hatred for the bank...

 

House is currently on the market anyway, so would like to sell before they get a chance to take a chunk. Otherwise I'll just sell it for just enough to cover morgage & fees and leave them with nothing just to spite them!

Link to post
Share on other sites

Was the loan secured against your house? If not, then how could they get a charging order? Have they actually filed court papers against you and if so have you acknowledged/put in a defence?

 

Do you have charges on your bank account and/or credit card accounts that you could reclaim?

 

The FOS are snowed under at the moment and couod take ages to deal with your claim, you might be better trying to make a case for hardship.

Edited by jonni2bad
Do not ask members to PM you for the purposes of advice. Please refer to site rules.
Link to post
Share on other sites

Hi Thanks for the reply. The loan was originally un secured, which they sold me to pay off OD & CC with them.

 

However after defaulting I contacted Payplan, set up reduced payments etc with all creditors who have been very good about it, except Natwest. They immediately pursused the CCJ route, even though they still only get what I was offering a month. Now with 2 missed payments, spoke to the dreaded Shoosmiths, very inflexible and they say they'll speak to Natwest but likely to pursue a charging order.

Link to post
Share on other sites

Looks like a good case for Irresponsible lending, commission driven loan approval by the bank's financial advisor..

 

As Paul has asked, how much do you have outstanding?

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

Link to post
Share on other sites

I think the overall outstanding balance is around 23k (that is Loan & overdraft & fees etc). Missed payments total £209.

 

Got a copy of the FSO complaint they have sent to Natwest today, but it is pretty basic. I'm thinking of writing my own letter setting out the key points etc. Would that be a more sensible way to go?

Link to post
Share on other sites

I think the overall outstanding balance is around 23k (that is Loan & overdraft & fees etc). Missed payments total £209.

 

Got a copy of the FSO complaint they have sent to NatWest today, but it is pretty basic. I'm thinking of writing my own letter setting out the key points etc. Would that be a more sensible way to go?

 

Have you forwarded a S.A.R - (Subject Access Request) for these accounts.

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

Winston Churchill

Link to post
Share on other sites

No. Not entirely sure:

a. What one is

b. What I do with it

c. What use it might be.

 

A bit of a novice at this I'm afraid.

 

 

 

Just ask for ALL data from ALL relevant filing systems that in any way relates to you! You can specify by including in your list something like:

 

Include your account numbers.

 

any loan accounts that may exist between the organisation and yourself

 

any credit agreements that may exist........ etc

 

e.g. like this:

 

SUBJECT ACCESS REQUEST – DATA PROTECTION ACT 1998

 

 

As per my rights under the above Act, please send me details (in a legible format) of ALL data from ALL relevant filing systems held by yourselves that in any way relates to me as the data subject.

 

 

I expect that this information will include (but is not limited to) the following:

 

 

Copies of any regulated consumer credit agreement between us

Copies of all statements of any account held by me

Copies of any computer or manual notes in relation to any account held by me

Copies of any and all letters sent by you to me

Copies of any and all letters sent by me to you

Copies of any and all written communications to and from any 3rd parties that relate to me

Copies of all telephone call transcripts made in relation to any account held by me

Copies of any record of times/dates of any telephone calls made in respect of any account held by me

 

 

(etc, etc)

 

 

I enclose the statutory maximum fee for this information of £10 and understand that you must comply with this request within 40 days of receipt of this letter.

 

 

I look forward to your prompt response.

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

Winston Churchill

Link to post
Share on other sites

Last edited by jonni2bad; 10th September 2008 at 20:09. Reason: Do not ask members to PM you for the purposes of advice. Please refer to site rule

 

I don't recall asking him to pm me, just said he could if he wanted, or feel free to pm me, or words to that effect. Soooooo sorry to have broken the rules. And glad that Stumpydave seems to be getting some help now.

 

But there is no need to worry about me asking anyone to pm me from now on, because I seem to be under moderation and my pm facility has been removed.

Edited by WendyB
Link to post
Share on other sites

  • 1 month later...

Oh my, Natwest did exactly the same thing to me in 2004. I had a premier account with a 10,000 loan roughly 2,000 had been repaid and a 3,000 overdraft which was maxed but rarely exceeded and a gold mastercard.

 

I was called in for a meeting and brow beaten into an 11,000 loan on the spot over a repayment period of 7 years, it works out i will have repaid roughly 17,000.

 

I was told that the income criteria had changed for this account and i no longer qualified for it so take this loan TODAY or we'll close your account and take you to court, up until this point i had not missed any payments so i was bewildered but scared witless and signed up. They then bumped me back down to a step account with a solo card.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...