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    • Hi Schipoo and thank you for the update.   Excellent news for you and a huge relief, I imagine. You might like to start a new thread about Independent Tax if you want advice on that problem. HB
    • Hi everyone, I have an update on my case that I’d like to share with you all.  so after submitting 371 pages in my bundle, a witness statement and skeleton argument for my court case due to take place in Manchester on June 21st I got an email from my litigator stating that hmrc have pulled out and the case is now closed!    this is the body of the letter….. This letter, which is copied to the Appellant, pursuant to Rule 17 of the Tribunal Procedure (First-tier Tribunal) (Tax Chamber) Rules 2009, the Respondents gives notice to the Tribunal of their intention to not defend the above appeal.   The Respondents respectfully invite the Tribunal to allow the appeal and close its file. In lieu of the above the Respondents would respectfully ask the Tribunal to vacate the hearing scheduled for Friday 21 June 2024. We would accordingly invite the Tribunal to close its file. Obviously this is extremely good news which hasn’t sunk in that after 3 years of fighting it is over.    I do have a further fight on my hands in that the Group Action I had joined with Independent Tax that had been disbanded in November last year and I chose not to continue with them. They are trying to bill me over 5k for the work they did under that Group Action which is ludicrous bearing in mind the whole point in joining was that it would keep the cost to a minimum as it would be shared between us all. They had asked if I wanted to continue to have them represent me on an individual level which I declined, if I hadn’t, goodness knows what they would have been trying to charge me now. 
    • President Ruto says Kenyans pay less tax than citizens in some other African countries.View the full article
    • As PM Sunak really showed his true colours at the D Day Commemorations by doing what? Oh I am the British PM lets just leave early I have better things to do and as he is called out on disrespecting all those veterans that served our country for the freedoms we have today he gives a groveling apology to little to late. He knew about this event for a long time and also knew that this is probably the last D Day Commemoration due to the age of those Veterans who gave so much for there countries freedom. Even on the day of the D Day Commemoration he still could have changed his plans As PM and stayed but choose not to showing such DISRESPECT to those Veterans, those that lost there lives and Families for the Freedoms we have today Being a Veteran myself I have never known a PM to show such disrespect what the hell was he thinking SHAME ON YOU PM SUNAK  
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You have got to look at this RBS agreement!!!


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Hi All

 

Below is an agreement from my OH.

 

The loan has never missed a payment and is still getting paid since 2003

 

Just look carefully at all the figures and post your results..:)

 

Someone at the bank has severly dropped a major clanger...

 

HAK

 

 

RBS22.jpg

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I make it £3523.00 to much on the total for credit !!!

 

Correct and the OH has paid to date £20606.85p with 15 payments of £298.65 left!!!

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Yep, it goes some way to explaining how they managed to screw up their business model and why we're all paying the price through our taxes. Total muppets.

 

But I have to ask, did you sign this agreement?

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Yep, it goes some way to explaining how they managed to screw up their business model and why we're all paying the price through our taxes. Total muppets.

 

But I have to ask, did you sign this agreement?

 

Yes all the signatures are on another continued sheet and are OK

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oh dear, donkey filleting anyone?

 

i did Lloyds TSB on the same thing yesterday and they wrote off the whole agreement for our client.

 

they are in a world of trouble here HAK and you have em by the b@lls so if i were you, id squeeze hard ;)

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I feel sorry for the person who 'executed' the agreement.....!! ;)

 

Apparently she has left.....Wonder why!!!

 

Basically I have given the bank a couple of weeks to get this sorted. I give the bank manager her dues she does call us every couple of days to inform us that they are still awaiting paperwork etc...

 

She has got till the end of next week to come up with a severe pot of cash or its legal action all the way..................

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Getting confused...

 

I know an agreement is unenforacable with out a perscribed term.

 

What part of the regs do I use for this agreement to make it unenforcable.

 

Sorry but just cant get my head around it...

 

Cheers

 

HAK

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erm, well, the amount of credit is misstated if it had ppi (Schedule 6 para 2 Consumer Credit Agreement Regs 1983) OR

 

if they plead the credit is correct, then the repayments are wrong which is also a breach of schedule 2, but its para 5 that you need to look at

 

and incidently there is also a breach of schedule 1 CCAR1983 insofar that the APR is wrong, the repayments are wrong the amount of credit is wrong

 

is that enough for you?

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Bit Peed of really.

Had a funny feeling it would be sorted today.

Obvioulsy dont know Im a CAGGER...hehe

 

They have another week max....

 

HAK

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Bit Peed of really.

Had a funny feeling it would be sorted today.

Obvioulsy dont know Im a CAGGER...hehe

 

They have another week max....

 

HAK

 

Hi Hak, You're being very reasonable, always the best way I think.

Wonder how many poor punters are out there all paying well over the top for their loans...

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Has anybody got a copy of this

 

The Consumer Credit (Total Charge for Credit) Regulations 1980, SI 1980/51

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