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    • Thanks dx for your guide. Yes, I will use their services, but not often. I usually spend around 80 per month, but the season ticket price is 160. I plan to renew it as long it could help me to show that I will not do it again.
    • if you are going to be using its services yes if not no. STOP PANICKING........ yours is not the next move. dx  
    • You could try this and include a copy to the SRA who are being particularly tolerant to this bunch of jackapes. This also shows that you are not to be messed with and are capable of stirring up trouble for them when they step out of line. Dear DCBL, I am in receipt of your letter of 18th April 2024 regarding CPR1.1 After studying the whole section I cannot see anywhere that I am required to furnish you  with my mail address or my phone number. Perhaps you would be kind enough to provide me with a reference to it. I suspect that your subterfuge is designed to allow you to bombard uninformed litigants with last minute information on the day of their Court case which appears to occur at times with your company. I notice that you are asking for proportionality at the same time as you are demanding  an unlawful £160 when you are aware that under PoFA the maximum that can be demanded  is only £100. You will note  that I have included the Solicitor's Regulation Authority into our conversation in order to ensure your reply. And your old excuse of "admin. error" is surely wearing a bit thin even with the SRA. so I look forward to an apology for your error and a declaration that you will desist from trying to hoodwink other motorists in future.  
    • OK. Thanks, all. Should I renew the season ticket as it going to be expired.
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Can Banks Offset Money From A Business Account You Are Partner In


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Hello,

I am listed as a partner in a family business but the other partners are not aware of my situation. I am a signee on the account but only with a joint signature of another partner.

Can the bank offset funds in those accounts against my debts to them.

Also anyone know where you can get a business acoount with a building society that does not credit score.

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As I just posted a moment ago, I was accepted with my own bank today despite a tonne of bad credit history. I had been declined with 3 others a while ago so was extremely suprised to be accepted.

Do you need a business account?, if you could make do with a personal account it wont be as hard.

 

Cant be sure in respect of the other question sorry.

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Thanks for the reply,

On the other question what funds can be considerded when a bank wants to offset a debt which is in dispute i.e

If an account has you stipulated as a partner can they offset money if so how much.

Sorry for the technical question but it is important

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From personal experience it depends on which bank you are dealing with. We have a long history with the Norwich & Peterborough Building Society, and they offset against every and any account you may have - doesn't matter if you are a partner or not!

 

We are gradually closing down all our accounts and moving them to Barclays, they do not offset business accounts against personal ones.

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Ok Thanks Windy,

Legally I would have thoought that even if they did they would be able to deduct what share of that money you have. I.e 5 partners = 20%, any more than that then they are taking money they could not legally prove is mine so it would leave them on a sticky wicket.

I am very interested in anyone elses experiences or opinions

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  • 7 years later...

Hi

I posted a few months ago about chasing old PPI and

this particular one is very long winded dating back over two years.

 

Its particularly interesting because they admit PPI on a business overdraft but wont pay it back and more importantly they continued to take money from a totally unrelated separate personal joint account for two years without my permission(though they have paid me that back)

 

Scores of letters but I have uploaded the relevant ones here for your help.

 

I discovered PPI on a business account and asked them to repay me to which they refused saying I had signed for the product

 

Letter tennis ensued for over two years whilst they sorted out other PPI but consistently refused to be drawn on this particular matter.

docs .pdf

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  • 2 weeks later...

I have merged the 5 undated docs you've upload to one file

 

yes you've been had by signing that application form.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I discovered PPI on a business account and asked them to repay me to which they refused saying I had signed for the product

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no harm in trying

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 months later...
  • 3 weeks later...

Read from 14.2 onwards....

 

http://www.slaughterandmay.com/media/760154/consumer_credit_act_2006_amendments_to_the_consumer_credit_act_1974.pdf

 

14.3Transition

 

Section 140 applies to all credit agreements pre and post unless settled /paid by the 6th April 2008...so is available to you.

 

 

Andy

We could do with some help from you.

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Why not and ask why they are not being truthful with you ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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  • 2 months later...

They had 8 weeks

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

Ring 'em and ask?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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