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    • just noticed that one of farages favorite poops was suggesting another stealth tax of 10 quid a month - possibly per person inc children ..   Minister proposed £10 monthly insurance-style patient charge to fund NHS dentists WWW.INDEPENDENT.CO.UK ‘Working people can’t afford another Tory tax rise,’ says Labour’s Wes Streeting   “They are framing this as some kind of pre-payment or quid pro quo, but of course, we already pay for the NHS through income tax, and in general that is a much more equitable way of doing it.” The DHSC declined to comment
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    • Hey,  I've messaged my husband but he is not contactable while he is in work. As soon as he is on his way home I will find out which finance company we used. I'm so sorry, I just don't know.
    • Okay, I have read your claim form. A pity you didn't come to us earlier. You haven't pleaded any legal basis for your claim and you haven't cited the Contracts (Rights of Third Parties Act. How long have you been aware of this forum? We will have to bring that out later when you do your witness statement. Once again, do the reading very carefully. I suggest that you wait until Monday before coming back here and confirming that you have read everything. And in particular, as I have indicated, read the thread which I posted above very carefully and in particular we the details of the contractual terms which were discovered and get a copy for yourself. Post a link to them in this thread as well for other people to see. They are relying on the fact that you don't have a direct contract with them and they are referring to a contractual term which is apparently in the contract between them and Packlink which specifically excludes third parties. You will definitely want to see this. They have tried to rely on this before but they have never produced the contract. In your witness statement you will have to request that they produced the contract in court. In terms of the mediation, frankly we would have advised you to decline mediation. It's all done secretively. Nothing is ever revealed and of course they will try to get you to compromise on the amount of money you are claiming. We would strenuously suggest that you don't give up a single penny. Do the reading that I have suggested, find the details of the contract which I have told you about which accepts direct liability to you, the customer – and post it here.
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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RBS has no record of our loan


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We took out a loan with Lombard Direct, with a PPI, over 15 years ago and no longer have the paperwork as it was paid off. I wrote to RSB who own Lombard Direct but they have replied stating that they have no record of our loan. Is it worth pursuing any further or is it just too long ago?

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Too long ago. Creditors rarely keep info longer than 6 years now.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Records are kept only for six years after an account is closed, unlikely you will succeed in getting any information.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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They have to keep the documents for six years 'after' the account has been closed if this is the case then. yes too long.

 

Must learn to type faster!!!:-x

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Seeing as they will have guessed at why you were enquiring and the fact that banks tell more lies than a sailors parrot, I would do an sar. I wouldn't be surprised if they got a bonus for every ppi enquiry they returned saying no. With an sar something else might come to light even the account you enquired about that they claim to no longer have or you might find something else to claim on that you hadn't thought of.

It has to be worth the £10 cost.

Edited by Conniff
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dont think lombard direct was rbs?

 

cant search at present sadly

 

site gremlins

 

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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Well I Googled it and came up with RBS for Lombard Direct, also that's what I asked them about so presumably they would have told me that they didn't own Lombard Direct? I don't have any records at all, no paperwork or anything as most of our documents (apart from personal ones) were destroyed in 2007 so I doubt that a SAR would produce anything else. I sent the same enquiry to LloydsTSB a few months ago, with no records or account numbers, and they sent me £6000!

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Lombard North Western Carriage & Wagon Finance had offices in Finchley N London when I was i kid (before any comments it was in the 20th. Century!!).

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Have you tried asking your bank if they would still have any statements as you never know if they send you old statements (even if at the very end of loan) you will have proof of loan and amounts?? Not sure if that'll work for you but that's how I found some of the loans that I didn't even know I'd had! Natwest have managed to send me stuff from 11 years ago, 15 may be stretching it though :-)

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Have you tried asking your bank if they would still have any statements as you never know if they send you old statements (even if at the very end of loan) you will have proof of loan and amounts?? Not sure if that'll work for you but that's how I found some of the loans that I didn't even know I'd had! Natwest have managed to send me stuff from 11 years ago, 15 may be stretching it though :-)

 

RBS was never our bank so if they don't have a record of the Lombard Direct Loan, they won't have any records for us at all.

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RBS was never our bank so if they don't have a record of the Lombard Direct Loan, they won't have any records for us at all.

 

I meant your bank because if you were making payments to someone else it may show on your statements which is how I found many other credit cards and loans I didn't remember having. Payments to them were showing on my bank statements.

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  • 1 month later...

I received my bank statements and on one was a loan of £15000 from RBS Telemarketing with a reference number.

 

I had forgotten about this and cannot even remember taking it out now!

 

I sent a copy of the statement to RBS and they have written back saying

 

"Please note that RBS Group are no longer responsible for processing Tesco related PPI complaints"

 

and giving me an address at Tesco Customer Contact centre.

 

Why would a Tesco loan be called "RBS Telemarketing"?

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