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Honest, trustworthy firms/sols willing to act?


FlyboyAgain
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I'm back on the forum after a lengthy work-related hiatus. HBoS have thron out my claim on PPI and I now need to go after them on the enforceability of the loan itslef. No point in setting out details here as many Caggers will know from my PPI thread that the way the loan is set out is a mess.

 

However, because the house is tied to it, I can't just stop paying on the grounds of the loan being incorrectly set out. Thus, just before I left to work abroad, I spotted a thread/post where a Cagger stated that honest, reputable firms were now coming forward to help with such issues. For a price of course; I understand that. Since I've had no luck with lawyers re this, can anyone recall the thread stating who these firms are, or give me any further pointers?

 

Good to be back.

 

FLyboy

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  • 2 weeks later...

I have been trying to get a Scottish lawyer for ages. They alll seem to be in the pockets of RBS/HBOS/Clydesdale etc. and quote "conflict of interest" when you ask if they can help.

 

Rule of thumb - if they are any good and know anything at all about Consumer Finance law (CCA1974 etc.) - then they are very probably already retained by the Banks.

 

Whatever happened to "equal access" to justice?

 

I hope other CAGGERS will prove me wrong by providing excellent names!

 

BD

£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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Two big firms up here with financial departments totally blanked my letters; others say they can't help or become rather curt when you mention what it's about. And my own solicitors financial guy ignored several weeks of emails before finally stating that he was 'too busy' to assist.

 

I have been told national Debt Scotland might help with advice but what am dealing withe here is not a debt, rather an unenforceable (I am positive) mess of a loan. I really don't know where to turn next and the months are ticking away on this.

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That's exactly what I found. I know nothing about National Debt Scotland. I used CCCS but they were only useful in getting lower payments set up - not interested in anything to do with getting debts written off or unenforceable etc. - funded by the banks after all!

 

Have you tried FOS? At least you can get through to them by phone and e-mail - but again I found them pretty toothless. However it costs the banks £400-£500 every time someone refers them to FOS - so at least its worth you trying them. Also the Banks must do as FOS tell them if you win - but you don't need to do so if they don't support you. Banks can't go to court if they lose at FOS - but you can!

 

However I found investing a lot of hours in looking at relevant threads on here was the best approach and gave me a lot of ammo (templates, copy of CCA 1974, case law etc.) and confidence to fight on harder and longer.

 

I think I am about to get £20k of card debt written off - or not chased up - because of lack of valid cca or dodgy DN's and TN's - all ammo I got from CAG.

 

Sorry I can't help more - only sympathise.

 

BD

Edited by Bigdebtor

£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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You are right about the closing of ranks of the law and finance types and this has made me really angry. The law boys will stand up for you in the courts arguing your case after youve wiped out a human life yet they will not stand before a judge and back you up against a bunch of thieves called a bank?? They should hang their heads in shame! But, there is no shame where coin lies, is there?

 

I rest my case!

 

I have something in mind, though ,after speaking about this with the Mrs. a few minutes ago and if I get anywhere with it, I'll get back to you. May take a week or so.

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