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    • I think it was from 18months ago.    You’ll probably think I’m fussing again but I’ve got a feeling they’ll take mine further due to the shear amount that is owed, I’ll be astounding if they don’t. 
    • as I said read the date of the thread many moons ago.   its not illegal either, debt is a civil matter not a criminal one.   dx  
    • Hi Andy   Thank you for the link, it was very helpful, appreciate it.    I was actually made to feel quite 'stupid' and felt as if i was wasting the forums time on this thread after DX's comments in post #38.      Please see attached the necessary documents, please do let me know if you require anything else, many thanks.   Files attached:  - Default Notice   - statement of Default Notice  - Reconstituted Agreement & T&Cs - 3 different sets   P.S - sorry about the quality of the T&Cs, the high quality files were too large and had to reduce them.   Thanks, Roland   Exhibit JK1.pdf
    • If it’s so easy to get shut of a PayPal negative balance how come everyone doesn’t do it as such? I guess it’s morally wrong but not illegal!?    I read a thread were a PayPal employee said “paypal WILL take you to court and WONT let it lie, they have a specialist team that chase negative accounts over a ceratain amount which I’ll defo meet that criteria 
    • date of claim 14th November (2019)   What is the claim for – the reason they have issued the claim?  1) The claim comprises the following agreement the defendant entered into: a. JD Williams & Co with reverence 1234567 and current balance of £559.77 The agreement was terminated as payments were not maintained and subsequently assigned to the claimant. And the claimant claims: a) The said sum of £559.77 b) Interest pursuant to # s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, but limited to one year, being £44.ui c) Costs   What is the total value of the claim? £735   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes  Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Catalogue   When did you enter into the original agreement before or after April 2007 ? Before   Do you recall how you entered into the agreement...On line /In branch/By post ? I think by post   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser - Lowell   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes   Did you receive a Default Notice from the original creditor? Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Couldn’t afford the interest    What was the date of your last payment? Over two years ago to the DCA   Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes
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ukaviator

The great RBS exodus: 1,000 bankers quit over bonus row

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MORE than 1,000 investment bankers have quit Royal Bank of Scotland to join rival firms for guaranteed cash bonuses and big salary increases, according to banking sources. The staff exodus, which has cut a swathe through the senior ranks of RBS, has been gathering pace since the government first ordered it to clamp down on bonuses this year. Although they account for less than 5% of staff in RBS’s investment division, the traders and corporate financiers who have been lured away are estimated to have earned it between £600m and £700m last year — almost 8% of its 2008 income. A stand-off with the government over the payment of bonuses for 2009 threatens to spark a fresh wave of resignations in the new year, according to banking sources.

 

While many of the bankers would have been likely to leave in any case, the rate of departures is believed to have been accelerated by the storm over bonuses. To stem the tide, the RBS board wants to boost the bonus pool at the investment bank by at least 50%, to about £1.5 billion. The board believes that profits generated by the investment bank, which employs 14,000 people, are vital to getting money back for taxpayers — who will soon own 84% of RBS as the state’s stake rises.

 

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The great RBS exodus: 1,000 bankers quit over bonus row - Times Online


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"Although they account for less than 5% of staff in RBS’s investment division, the traders and corporate financiers who have been lured away are estimated to have earned it between £600m and £700m last year".

 

Anybody else done the maths here?

 

If £600 - £700 million annual income for the company was brought in by this disgruntled 1000, that equates to a per capita income for the company of £600,000 - £700,000 apiece.

 

I would bet, that once corporate and other tax has been paid on this income, and the remainder is then averaged out, then the per capita income for the company brought in by these 1000... is also probably equal to or less than what they received annually per capita by way of salaries, bonuses, pension contributions etc anyhow !

 

If this is correct, then they were simply bringing in what they also earned.

 

In effect they were freelance, with free desk space, resources and support staff provided to them by the company.

 

 

Good riddance !!


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oh well, never mind. About time the government put a blanket ban on the whole banking system for bonuses until they pay back every penny they have had to keep them above water ! Then and only then allow bonuses but at a realistic rate.

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plenty of people out their that will do the job 4 a lot less


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bye bye, dont rush back


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