Jump to content


  • Tweets

  • Posts

    • I have just checked and unusually, Brent Council have a website that advises on whther their streets are adopted or not. Atlip Road is a private street on their site. Brent Council - Road adoption checker form WWW.BRENT.GOV.UK Form to check whether a road has been adopted  
    • Why international criminal networks are behind a jump in the theft of catalytic converters. View the full article
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual on the Gov't Gateway Site  note down your details inc the long gateway number given, you might need it later.  then log in to the MCOL Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit MCOL. .. get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... .[use our other CPR letter if the claim is for an OD or Telecom Debt] . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . on BOTH type your name ONLY Do Not sign anything . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............      
    • The president says he will only sign it if Democrats can pass a separate, far bigger budget bill. View the full article
    • Bolmsgr    if it was me I would put it first as if the contract is invalid and if the Judge agrees, then you win the case.    Indeed, it may be that VCS would not even turn up in at the Hearing or withdraw which would be the ideal situation. However this is your case and FTMDave has worked hard with you to help on your WS.   Whatever you decide to put it I have modified what I said in my previous post so that you can copy it.   Definition of "Relevant contract”  from PoFA 2  [1] means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—   (a)the owner or occupier of the land; or  (b) authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land.   According to https://www.legislation.gov.uk/ukpga/2006/46/section/44    a contract to be valid requires a director from each company to sign and then two independent witnesses must confirm those signatures. The fact that no witness signatures are present means the deed has not been validly executed. Therefore there can be no contract established between VCS and the motorist. And even if "no stopping" could form a contract [which it cannot], it is immaterial. There is no valid contract end of.   Surely VCS a company that signs innumerable contracts must be aware that no contract exists at the East Midlands Airport. Two points arise from that.   The first is that by issuing many PCNs at EMA with knowingly not having a valid contract is bordering on fraudulent.   Second, VCS in order  to gain access to DVLA data VCS have averred that they have complied in their CoP that they have complied with all the legal necessities, which appears patently untrue.   As Lord Neuberger said in the famous Parking Eye v Beavis  at the Supreme Court [2015] UKSC 67-"And, while the Code of Practice is not a contractual document, it is in practice binding on the operator since its existence and observance is a condition of his ability to obtain details of the registered keeper from the DVLA.   In assessing the fairness of a term, it cannot be right to ignore the regulatory framework which determines how and in what circumstances it may be enforced". The Noble Lord is correct and should call into question the right of VCS to obtain information from the DVLA.   You may have noticed that in the second paragraph of this post the words "relevant land" cropped up which would be a good follow on for bringing up the Bye Laws and streets covered by the Road Traffic Act in case the Judge did not accept the contract argument.  
  • Recommended Topics

  • Our picks

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1879 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

After having a read of your letter, Lloyds are giving you three choices, submit evidence of where the money was obtained to close the investigation immediately, await for the investigation to be completed with no completion date or ask for a deadlock letter and refer to the regulator.

 

If you take this complaint to the ombudsman, I have checked the Isle of Man Financial Ombusdman website and it does state that complaints can take up to six months to investigate and complete so do not expect a quick resolution to this.

 

No reason why this is taking Lloyds this long, they have all of the data instantly available, because Lloyds have not giving you any date to the outcome of your complaint I would be inclined to ask Lloyds for a deadlock letter and refer to the ombudsman.

 

Stigman

 

thank you for your advise

 

 

..yes indeed its taking way too much time

maybe they are investigating lots of transactions on some other accounts ?..

.but as I mentioned my accounts are in effect unused

 

 

..funny thing is that my on shore accounts are working ..no problems nor limits on them..funny that.

 

 

.I called and asked is there any problems with my on shore accounts

manager told me not at all

..no notes no investigations no complaints.

.again I have to stress out that I been banking with lloyds close to 25 years now

and almost 15 years for off shore accounts ..crazy

 

 

...if they think that few hundred pounds put on off shore account is money laundering worth reporting

then I think this world is getting better.

 

 

.I mean I understand that they supposedly should report all activity which might be of suspicious nature

but my low 5 figure non active accounts with no money traffic for decade.. to punish me like that ...:mad2:

 

 

I will decide this week on how to proceed.

.this is mentally taking a big toll on me .

.lost a lots of weight (good thing ).

.can't sleep..(bad thing )..etc

Link to post
Share on other sites
After having a read of your letter, Lloyds are giving you three choices, submit evidence of where the money was obtained to close the investigation immediately, await for the investigation to be completed with no completion date or ask for a deadlock letter and refer to the regulator.

 

If you take this complaint to the ombudsman, I have checked the Isle of Man Financial Ombusdman website and it does state that complaints can take up to six months to investigate and complete so do not expect a quick resolution to this.

 

No reason why this is taking Lloyds this long, they have all of the data instantly available, because Lloyds have not giving you any date to the outcome of your complaint I would be inclined to ask Lloyds for a deadlock letter and refer to the ombudsman.

 

Stigman

 

is there a chance that bank might take my money /confiscate for ever ?..did that happen to anyone before?

Link to post
Share on other sites
is there a chance that bank might take my money /confiscate for ever ?..did that happen to anyone before?

 

It has happened before but only after a thorough investigation and it has been proved that the money came from an illegal act.

 

As the letter to you states, Lloyds are asking for evidence of where you obtained your money from, this is to satisfy UK law as Lloyds are duty bound to check that no financial fraud is or has taken place.

 

I cannot see this moving forwards in the short term unless you either supply Lloyds with the information that they have asked for (I know you stated that you are unable to do so and also not wanting to send your Insurance Statement) or the bank rejects your complaint and you then go to the Ombudsman.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Link to post
Share on other sites
It has happened before but only after a thorough investigation and it has been proved that the money came from an illegal act.

 

As the letter to you states, Lloyds are asking for evidence of where you obtained your money from, this is to satisfy UK law as Lloyds are duty bound to check that no financial fraud is or has taken place.

 

I cannot see this moving forwards in the short term unless you either supply Lloyds with the information that they have asked for (I know you stated that you are unable to do so and also not wanting to send your Insurance Statement) or the bank rejects your complaint and you then go to the Ombudsman.

 

Stigman

 

Stigman thank you again.

 

 

.I did actually send my insurance policy

-the first one I got from my insurance company.

 

 

.Im planning to expand it with LLOYDS money.

..(hopefully if they allow me to get my money back).

 

 

..as of first thing I was searching for some documentation but the best I have is my old bank statement from my country

-it goes back to 2008 and shows substantial amount of money on my accounts back home.

 

 

.I did close that account last year and cash I brought to UK originates from that account .

.its just Im bed ridden and can not go to the bank and ask them to search my records

...this situation has killed me totally.

 

 

..I'll wait for the bank and their final response

 

 

..you said it will be written and sent after 8 weeks?

 

 

If I understood correctly

Link to post
Share on other sites

Dear Mr Rodici

 

As per my previous communication, we recommend you seek legal advice.

 

Regards

 

xxx

Deputy Manager, Banking Operations, International Wealth, Lloyds Bank International Limited

2nd Floor, PO Box 12, Peveril Square, Douglas, Isle of Man, IM99 1SS

Office: Peveril Buildings

 

Working Hours: Monday to Friday 9.00 – 17.00 (UK)

Email:

 

this is the mail I received by the manager who blocked my accounts ...I dont know what he means by legal advice...I called FSO they told me I should get that final response ..but they also said if the bank decide to confiscate money they cant do nothing about it its ''commercial'' decision of the bank (what commercial decision could be and what that means ??) ...it looks like bank is gonna take all my money ...they angle on that I think...just because of few hundred poundsCall

Send SMS

Call from mobile

Add to Skype

You'll need Skype CreditFree via SkypeCall

Send SMS

Call from mobile

Add to Skype

You'll need Skype CreditFree via Skype

Edited by honeybee13
Staff name and contact details removed.
Link to post
Share on other sites
Hello there.

 

I've removed the name of the staff member and the contact details. Please don't post this on your thread.

 

HB

 

ok sorry

update ..I did ask for deadlock letter final response...also all of sudden they allowed me to close one of my accounts (granted it was only 20 pounds on it but it was my ''main account '' for more then a decade...also I got some money out from another account ..one account is firmly blocked ..I asked for my accounts to be closed with grace period so I can arrange transfer out of off shore accounts ..waiting for replay..all this shows how arbitrary is the whole process and with clearly no purpose..they picked me and now they have no clue what to do further ..its more then obvious...wander what ombudsman would make out of it ..Im definitely chosen for EDD and referred to safety and security team of the bank ..now I think they have to close investigation or send all the documents to prosecution...some guy at the bank told me that my account is not blocked but rather restricted so every transaction need approval of the certain female [person who is in charge of SS team ...my complain has probably made them angry...but hey simply there is no transaction except that one in december they can single out as something against their rules ..I checked with the bank and they said I was in my right to use cash and cash point machine to make deposit but they do have the right to ask for source of funds ..again I wander what ombudsman can/will/would do..my complaint is that they wont allow me to close my accounts and they conduct never ending investigation ..not to complicate the issue for them at all...still hoping that lloyds would simply juts close my accounts and we part our ways ..again I have to say my on shore accounts working with no issue...

Link to post
Share on other sites
  • 1 month later...

final update.. I managed to close all of my accounts with lloyds bank isle of man last week..my accounts got unfrozen after months of ''investigation ''first by banks own ML team of ''investigators'' and later by iom financial police (I got reported to them by the bank for god knows what ) but financial police gave green light for my accounts to be closed and funds released..FINALLY .my 3 months ordeal came to a conclusion...hope nobody else from this forum ( past present and future) would have the same experience as i did ..it was by far one of the most traumatic things I had to pass through ..and for what???..no apology or explanation was given by the bank..my advice ..keep the money invested and away from uk banks on shore or off shore..it looks like banks in Uk are getting paranoid way more then any other banks in eu or even us..from what I gather onthe internet they report on average 400 000 customers a YEAR FOR MONEY LAUNDERING !!!..which results in only about 1000 cases of actual prosecution and even from that number only few hundred cases actually gets confiscation order by the court ..its just complete waste of time and resources

anyways .. .I would like to thank David Winch forensic accountant for his expert advise and patience for responding to all my e mails /questions and Paul Gosling from INDEPENDENT( your money) for getting in touch with lloyds bank in my behalf and investigating my problem ..well now.if anybody needs any advice in the case their accounts gets frozen by any uk bank feel free to send me PM for info and what to do in such situation..also I would like to thank all of you from this forum for advise or comments...cheers

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...