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    • OK, so I've rather unfairly picked up a CCJ from a business overdraft debt that's been going on for years. I had court claim forms in 2014 which I managed to stave off. and again in sept 2016. This time I've acknowledged the service, filling in what I thought was the correct amount I thought I owed. I've since had the personal guarantee paper copies in my possession and I owe £21K. I sent them back along with a new address for all correspondence to be sent to, and then agreed to a Tomlin order to pay debt off monthly.  Now, these were sent back and forth and eventually signed, but apparently only partially. So DD was set up at same time, in Jan 2017. over next couple of months we paid, and also go letters to sign new Tomlin which we ignored as it was signed. In March we got another TO with 7 days to sign it and send back. We had one day to get this to them and phoned to say it wouldn't be there, that's ok they said, well extend it, just keep paying and send it back asap, we did send recorded (since lost receipt). We assumed they'd got it, and didn't hear a peep from them. Until July 18, when I found id got a CCJ from Feb that year. I've logged a complaint with solicitor, and had a response, they are denying any knowledge of anything. They had no TO so took it to court without my knowledge.  I didn't think there was anything I can do. However, as it turns out, the court sent papers to an old address even though solicitor had new address for 13 months, and address for correspondence was on the claim papers I sent back. Upon closer inspection the numbers are all wrong too, nor a lot but its about £200 adrift. We called their office too within the 30 day notice period, oddly they have no record of that.  And all this is on a "Business Charge Card Guarantee" …. anyone explain that?? In the mean time we've paid £5K+ of the debt off. At no point did anyone in the process let us know we'd had the CCJ logged against us. Is that right?? Or legal? I was intending to get it set side, but was told by them it was pointless. Just want to get back to point A. Paying it isn't the problem, it getting the CCJ reset. Please Help!!! 
    • same with jaguar s-types etc. all kind of weird issues if the battery is on the way out or the terminals/earth straps are not reconnected tightely/properly.   mine was the earthing strap to the gearbox, was rotted and got knocked during the gearbox oil change.
    • what have they got that they can respond too that counters your SB defence? zilch.   as with every erudio claimform or PAPLOC thread on CAG you solely got the claim because for whatever reason , to that date, everything was ignored.   once a response is made they go away.   default CCJ avoided. you must read up and understand how arrows [erudio!!] operate  
    • so won by a section 75 claim under the consumer credit act then   consequential losses are also covered by section 75 as the card provide is equally liable as you've already found out   as for the dealer and court there is no time limit, well 6yrs I believe   though it would be a tough battle but made slightly easier as BC coughed up. but again what would you in all reality 'win' probably go bust or change name        
    • It was settled by Barclaycard because I bought the car using my VISA credit card. Do you know if there is a time limit for taking the company to court to claim the consequential expenses incurred?
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RBS sees government stake sale next year as it posts quarterly profits of £826m

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Royal Bank of Scotland has reported its best quarterly result in more than a year with a pre-tax profit of £826m and said it expects the goverment to be able to start selling its stake it the lender by the middle of next year or even earlier.

 

The profit for the first three months of the year compares to a £1.5bn loss in the same period in 2012 and a £2.2bn loss in the final quarter of last year, largely as a result of a fall in impairments in losses from RBS's "bad bank". Stephen Hester, chief executive of RBS, said the results showed work turning around the performance of the taxpayer-backed lender was "nearing completion".

 

“These results show pleasing progress in delivering a strong and valuable RBS for all our stakeholders. We expect to substantially complete the bank’s restructuring phase during 2014," said Mr Hester. He said the bank was seeing the "start of a pick-up in loan demand" and RBS had a "strong surplus of funds ready and available to fully support economic recovery". Sir Philip Hampton, the chairman, said in a video statement that he expected the government to start selling shares from the middle of 2014 - or maybe earlier "depending on the government".

 

Mr Hester said there had not been any recent discussion about the privatisation with the authorities, but added that any sale would be "terrific for the country". Losses form impairments - or bad loans - fell by 26pc to £1bn from £1.5bn in the final three monhts on the last year. It has now seen a 79pc reduction in non-core assets since it began restructuring in the wake of the financial crisis. Core lending to small and medium sized businesses rose 1pc from the fourth quarter to to £34bn. UK residential mortgage lending remained broadly stable at £110.2bn.

 

 

Link: http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/10034885/RBS-sees-government-stake-sale-next-year-as-it-posts-quarterly-profits-of-826m.html


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