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    • https://www.gov.uk/government/organisations/legal-aid-agency/about/complaints-procedure   What do i do if anything  ????   Oh and BTW i almost forgot , forgetting lots lately, thats why i went to the docs. I have just this week been diagnosed with Brain Calcification , whoopee on top of all this. Side effects are unbelievable, check it out. Seems ive had it for a number of years , it explains lots of problems ive had.  
    • Hi guys No letters recieved as yet,  the only update is the gaffer now knows about this demand , im sure you can imagine the crap really hit the fan.   The only thing i have found out is the LAA have a complaints department and a complaints system thats supposed to be followed. OOOPS  I suppose im not alone in this predicament.   Had i realised it was going to come to this id have told the lawyers to do one.    Keep safe ya'll .
    • Ive opened new bank account etc now so sorting out to get our money etc paid in there . Im then going to cut off contacts with old bank and other debts and apply for DRO . But do i add paypal to the list for DRO or forget about paypal like you said in other messages ? I just want to make sure because i dont want to apply for DRO and then later on paypal comes back to bite me and then i wish is added it . Sorry to be a pain guys but I just want to make sure and to date ive not had any letter or anything from paypal just couple of emails
    • This is more than helpful. Thank you so much. I will get the cca done tomorrow and post the reply from them for what to do next. Thank you all again. 
    • 12+2 working days.   a dca can't hurt you credit file any more anyway.   only the original creditor can issue and register a default, on or before the sale of the debt.   what the dca put in the calendar section is immaterial as only you and them can see it it does not extend the 6yrs period whereby the debt shows on your file and after which the 6th defaulted date's birthday causes the whole file to removed regardless to paid or not, paying or not......makes no odds. it still goes, but might still be owed mind, depending upon the contents of the CCA return.   dx  
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TIGGERCAT

Business account shenanighans

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Hi all,

I've been a bit of a lurker for a while and would like to congratulate everyone for all there hard work and wish everyone best of luck with their individual and collective claims.

 

Like many people in the past (distant past I might add) I had faith in these people !!!!! PMSL hystericaly at my own stupidity.:eek:

 

Anyhow anybody got any comments on this poser?

 

In 1990's was sole trader with my own business and accrued the obligitory bank charges(Thousands of pounds) that we are all so aware of.

 

However in 1995 my bank manager BOS convinced me to surrender my mortgage endowment policy to pay off my business overdraft.

 

This policy was in joint names with my ex partner who was not part of my business.

 

By 1999 overdraft back up and not offered but told it was being turned into a loan and a new account to be opened run on a credit only basis.

 

Complained in 2004 re the CHURN of the endowment policy ombudsman agreed but no financial loss suffered!!!!!!!

 

Any comments would be appreciated

 

tiggercat

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