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    • Probably because the claimant refused mediation Means nothing   An SA is a simple brief statement stating obvious facts of the case as the defendant now sees it taking into account their defence and if anything has actually moved forward since filing it.   As far i can see, the claimant has failed to serve any proof of debt, namely bills,etc etc   Pers health issues are not typically relevant. But in this case its worth a mention??
    • I could be wrong but if they are chasing you as the executor and the estate is settled in full then the debt is unenforceable and has 'died with the debtor'.   I had a similar debacle with a private health care company  who insisted that I was liable for their warden controlled facility on my late mum's property when once her accounts were closed and they didn't get that month's payments, started writing to me as executor saying that the debt and on going charges were now my responsibility. I gave them short shrift and told them to take a hike and after many threatening letters I told my solicitor to make one payment to them for the cost of 3 months service after the date of death, I told them they were lucky to get that and they wouldn't get anything else.   They kicked off and sent a few more letters which I refused to respond to and then they went away realizing they weren't going to mug me for any more money.
    • I hear what you say.   What does Theresa need to do, and pull together as a basis for the skeleton arguement? Proof of mental health assessment from her GP? Reference that part of the alleged debt is now statute barred? Lack of requested information from SW&S?   scmreferrals@justice. sent her an email 11th March 2020 offering mediation "A telephone mediation session of up to one hour is available to you on 01/04/2020 between 11.45 and 17.30." THEN: Another email from scmferrals was then sent within 2minutes withdrawing this offer of mediation.   Aside from the above. Would an SAR be of any use?
    • That advice is all good.  Thanks for everyone's help. its appreciated 
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
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As US Gov get tough on dirty banks FSA figures show fines in UK for 2012 already £110m


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The US Government have announced a $1b lawsuit against Bank of America for toxic loans.

There have been 8 others this year.

 

Published fines from the FSA show the growing figures following market abuse in the UK.

 

Here is their list from last 10 years.

 

Total amount of fines in 2002 - £7,444,000.

 

Total amount of fines in 2003 - £10,975,000.

 

Total amount of fines in 2004 - £24,769,000.

 

Total amount of fines in 2005 - £16,965,860.

 

Total amount of fines in 2006 - £13,309,143.

 

Total amount of fines in 2007 - £5,341,500.

 

Total amount of fines in 2008 - £22,706,526.

 

Total amount of fines in 2009 - £35,005,522.

 

Total amount of fines in 2010 - £89,121,281.50

 

Total amount of fines in 2011 - £66,144,839.

 

 

In 2011 fines were levied against a number of UK Banks and Investment companies,here is a list of some of the biggest fines;

 

 

11/01/11

£2,800,000

Royal Bank of Scotland and National Westminister Bank

For multiple failings in the way they handled customers' complaints

 

18/01/11

£7,700,000 Barclays Bank plc For failures in relation to the sale of two funds

 

26/01/11

£1,127,559 Barclays Capital Securities For failing to protect and segregate on an intra-day basis client money held in sterling market deposits.

 

18/04/11

£1,400,000 Norwich and Peterborough Building Society For failing to give its customers suitable advice in relation to the sale of Keydata products.

 

25/05/11

£3,500,000 Bank of Scotland For the mishandling of complaints about retail investment products

 

21/07/11

£6,895,000 Willis Limited For failings in its anti-bribery and corruption systems and controls. These failings created an unacceptable risk that payments made by Willis Limited to overseas third parties could be used for corrupt purposes.

 

25/07/11

£630,000 Swift 1st Limited For unfairly treating some customers facing mortgage arrears.

 

14/09/11

£494,900 Towry Investment Management Limited For compliance failings in respect of management and protection of client money and Towry’s communications with the FSA.

 

20/09/11

£2,000,000 Michiel Wieger Visser For market abuse

 

17/10/11

£4,000,000 Rameshkumar Satyanarayan Goenka Financial penalty of US$ 6,517,600 (approx £4 million) plus restitution of US$ 3,103,640 (approx £1.9 million) for engaging in market abuse.

 

25/10/11

£5,950,000 Credit Suisse (UK) Limited For systems and controls failings in relation to sales by its private bank of structured capital at risk products (SCARPs).

 

07/11/11

£6,300,000 Coutts & Company For failure to comply with Principle 9 in connection with its sale of the AIG Life Premier Access Bond and Premier Bond, Enhanced Variable Rate Fund.

 

02/12/11

£10,500,000 HSBC Bank Plc For failings in suitability of investment advice provided by NHFA Limited

 

05/12/11

£3,500,000 Integrated Financial Arrangements Plc For compliance failings in relation to the FSA’s Client Money rules.

 

19/12/11

£2,800,000 Combined Insurance Company of America For breaches of Principle 3 and 6 that put customers at risk of receiving unsuitable advice.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Uk Banks and Investment companies have also been subject to big fines in the US

 

In August 2012 UK based Standard Charter was fined £220m for hiding billions of transactions to Iran.

 

In July 2012 HSBC announced it had set aside £445m for potential fines in the US for money laundering and a further £1b for mis selling in the UK

 

 

Seven banks, including HSBC and Royal Bank of Scotland, are to be questioned in the US for alleged manipulation of the Libor inter-bank lending rate.

Barclays, Citigroup, Deutsche Bank, JPMorgan and UBS have also received subpoenas from the attorneys general of New York and Connecticut.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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