Jump to content


  • Tweets

  • Posts

    • 12mph (beyond any UK limit) will certainly qualify for a Fixed Penalty. So you should received an offer of a FP for each of the remaining two offences. Be sure to submit your licence details as instructed when you accept the offer. If you don't your £100 will be returned to you and the police will prosecute you in court.
    • and it will be also now written off under age related criteria anyway.
    • @dx100ukThanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe consequences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points? @Man in the middleI've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 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
      • 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

attention all rbs/natwest breaches of 77/78 requests under the cca 1974


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

Thread Locked

because no one has posted on it for the last 5505 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

help!! nat west have sent me my cca (true copy) for a loan but it looks decidedly different to the one i have and no cca for my overdraft now what .. any help anyone?

 

Are you able to post the copy they've forwarded?

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

Winston Churchill

Link to post
Share on other sites

  • Replies 118
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

i am new to this site (today) so i'll need help

thanks paul

 

Check out the link. There's a dummies guide to photobucket somewhere.

 

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/129418-rbs-becoming-inventive-your.html

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

Winston Churchill

Link to post
Share on other sites

I too have a recreated nat west agreement which I sent back to cms in telford, they told me they would respond in 10 days. I received another letter 2 days later saying they had sent my complaint to a higher authority and would respond in 5 days..........still waiting. Watch this space!

 

They sold my debt to Cap Quest and I asked them for a deed of assignment, they sent me a covering letter saying it was a deed of assignment. Do they think we are all stupid?

Link to post
Share on other sites

I too have a recreated nat west agreement which I sent back to cms in telford, they told me they would respond in 10 days. I received another letter 2 days later saying they had sent my complaint to a higher authority and would respond in 5 days..........still waiting. Watch this space!

 

They sold my debt to Cap Quest and I asked them for a deed of assignment, they sent me a covering letter saying it was a deed of assignment. Do they think we are all stupid?

 

They will not forward a deed of assignment due to sensitive information...this would reveal what was paid for the debt etc. However, they must forward you a notice of assignment.

 

Beware! Telford has an habit of inserting new clauses in their recreated agreements.

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

Winston Churchill

Link to post
Share on other sites

  • 1 month later...

Morning all, another one for the list. I sent my CCA request away on 2nd April, recorded delivery. Post Office did not get a signature and I thought it was lost until I received a letter from RBS Collections in Birmingham which seems to be a pretty standard template now.

 

They cannot find the loan agreement, has been misfiled, return the £1 PO...but:

 

The loan agreement remains valid, we expect you to meet your obligations under the agreement, if I cease payments they will report the default to the CRA's, then the usual open threat that this will affect you for 6 years blah blah.

 

Should I require more details about the loan they can tell me what is in their records (pmsl, cause that is just as accurate and infallible)

 

The thing that will really be peeing them off about this one is that I complained about a missold loan, won and got them to replace the £4K balance with this £750 interest free....I sent 3 agreements as they kept losing them, and they still cannot find one. What the hell is going on with their paperwork???!!!

 

This account never showed on any of my credit files, if they decide to put it on now it would clearly be only to punish me and I will take them the whole way.

 

Any idea of a suitable letter I could use in response please?

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

Link to post
Share on other sites

Hi Sequest,

 

I had a loan with RBS and all was ok until the Tax credits system tried to ruin my life, practically no income I could not keep up with the payments. I was also due to go onto maternity leave and they just did not give any of the assistance they were able to and expected to.

 

Then their solution was to offer a new loan paying off my huge overdraft of charges and settle my loan - essentially stretching a £1K loan balance to a £3.5K loan over 5 years (loan, O/D & charges). They insisted this was my only option so I signed. Then I claimed misselling as I was forced into further borrowing when in financial difficulty.

 

I fought for a year with them, then just refused to pay. they tried the "you signed, your borrowing is your own responsibilty" crap but I kept on about responsible lending, banking code and then asked specifically what was entered into the system to allow someone in my financial circumstances be approved for such a loan - they folded!

 

Hmm, not suspicious at all! If I can help please just let me know

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

Link to post
Share on other sites

Hi Sequest,

 

I had a loan with RBS and all was ok until the Tax credits system tried to ruin my life, practically no income I could not keep up with the payments. I was also due to go onto maternity leave and they just did not give any of the assistance they were able to and expected to.

 

 

I fought for a year with them, then just refused to pay. they tried the "you signed, your borrowing is your own responsibilty" crap but I kept on about responsible lending, banking code and then asked specifically what was entered into the system to allow someone in my financial circumstances be approved for such a loan - they folded!

 

Hmm, not suspicious at all! If I can help please just let me know

 

Hi Dipply75,

 

Many thanks for that explanation.

My loan was taken out in similar circumstances to yours ie. pressured into making overdraft into loan and then they frontloaded about 5K interest.

I planned to use the 'unfair relationship' argument and banking code in my defence. Pleased to hear it worked for you - gives me hope, if the other areas of my defence fail ie. no agreement (but this could turn up at last minute!) and mis-sold PPI.

Link to post
Share on other sites

Hi Sequest, in that case I would ask some very forward questions about what was actually entered about your circumstances to get the loan approved (and were the staff on any bonus/comission? For selling the loan OR for moving your debt ;))...after a year of fighting I asked this and they settled in one week.

 

I did not, however, get to see the details entered. If you are in litigation with them can you not force disclosure? Best of luck, it can be done :)

 

And I agree Shakti, about as professional as the rest of their carry on!

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

Link to post
Share on other sites

The loan agreement that I was sent from nat west was hand written on the front page, which all seemed fine, however when I looked at the signature page, it was clear that this had been scanned. Where I had signed was half a signature and further signature - clearly scanned.

 

Most disturbing was the employee signature was the same one that had signed the statements that were requested...plus they had added £3000 for a loan insurance that I had never requested, or even spoken about, in other words the amount I was told to pay per month included this insurance, although I was never told this. I thought I was signing for £11000, but in fact it was £14000 - mis-selling or what.

 

I have consulted with a soloicitor, who informs me that I have a good case......to date no further responses from Nat West, or Cap quest.

Link to post
Share on other sites

Hi sequest, no I was not taken to court, they threatened it when I stopped paying them. I e-mailed that I would be happy to see them there and outlined what my argument would be. Nottingham Collections could not be less bothered, trained or organised let me tell you, I dealt with them and Customer relations the whole way.

 

Thanks to the OP, we now know this is obviously so wide spread, why is the FSA not looking into the actual operations at these Collection Centres?

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

Link to post
Share on other sites

Hi Sequest, in that case I would ask some very forward questions about what was actually entered about your circumstances to get the loan approved (and were the staff on any bonus/comission? For selling the loan OR for moving your debt ;))...after a year of fighting I asked this and they settled in one week.

 

I did not, however, get to see the details entered. If you are in litigation with them can you not force disclosure? Best of luck, it can be done :)

 

And I agree Shakti, about as professional as the rest of their carry on!

 

That's good to know - thanks for that post Dipply:)

 

Think I will be asking those questions of RBS.....

Link to post
Share on other sites

Hello,

 

I would be extremely interested to hear from all caggers regarding their experiences of obtaining true copies of their credit agreements after sending a legal request under section 77/78 of the cca 1974 to the rbs/NatWest.

 

It is my experience that they are extremely reluctant or have mis-placed, lost, disposed of these legal agreements.

 

If enough evidence from customers is obtained, it is my intention to provide this evidence and submitted a mass complaint to the oft and the fsa, and hopefully, rather than tell us they will not investigate individual complaints, but pull their finger out and really investigate this matter and fine the pants of them:grin:

 

Thanks in anticipation:-D

Hi, i recently received my CCA from the Halifax, which is a few sheets of paper that has come out of a printer, my signiture isnt even on it but they are saying they dont need to provide my original copy. Any ideas??

Link to post
Share on other sites

hi vixx

could be happy to co-operate with you i requested my cca from n/w and got perfect cca with my signature transposed on to it

let me know what i can do to help , definately count me in

shakti

Link to post
Share on other sites

Are you able to post the copy they've forwarded?

Hello,

I requested my cca from Halifax which arrived today, though it doesnt look anything like a agreement, just a few sheets of paper with terms and conditions printed on them, my signature is nowhere on it and they are saying thats all they need to supply me with and no further correspondance will be entered into, are they breaking the law?? I am confused, i thought i was supposed to get my TRUE copy. Any advice, thanks

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...