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    • As one of you mentioned above I've been in a mess for nearly 20 years now and I'm ready to sort my credit report out now - the main reason I got into second round of debt is my kids being unwell and the state considering them not unwell enough for extra help so despite my son being in hospital for 3 months in one year we got extra zero help and I eventually lost my job and got into debt to just so I can be تا my sons hospital bed at his time of need - my life basically fell apart and all these debts got me again 
    • Gosh mate I've woke up this morning with half the worry I had last night when going to sleep!.  I can't believe how much this forum has helped me over the years and I don't  have the words to explain the gratitude I feel towards you guys -  Now that I've slept on it I feel ready to reject this company and my plan is to make them an offer to accept payments to date as full and final settlement - I will I think write them a letter once my review is completed or maybe just send it now whilst they are reviewing explaining my kids are unwell for which reason I'm struggling to survive and if I can politely request for them to accept payment to date as a full and final - I'll mention I don't have any cash or anyone to borrow from to offer a full or even part amount of the remaining balance of the iva and therfore am unable to make a offer of payment.   If they agree to at least even put my offer to the creditors then I feel it's better I hang in there and that way I won't have to deal with any possibilities of more defaults and ccjs    Right now the only adverse effects on my credit report are the iva that is now 3 years old and 2 Ccj one coming of this July and one thus October.    But I am worried new action will begin and new defaults and Ccj may start to appear because I've paying into an agreement im under the impression the 6 year rules starts again so yes I have lost of mixed feelings about this but I'm not going to lie you guys have put some life back into my breath this week as for the last 3 years I've felt caged like an animal and this morning I feel freer I can't explain how much but certainly my soul feel lighter today thanks to yin because I'm now viewing this review totally different to I do yesterday thanks to you guys 
    • Court name UNKNOWN Case number ********** Amount N/A Confirmed by Insolvency Service Date issued May 2021 Type Voluntary Arrangement Notes If you have questions about voluntary arrangements you should speak to the Insolvency Service.     I started this in 2021. So it's been about 3 years I've been paying. 
    • Thanks @lookinforinfo@Nicky Boyi sent across the agreement earlier in this thread. No mention of financial reward to the MA. But, I wouldn't be surprised if it was done on the sly. As I said earlier, the owner of OPS is a convicted criminal, with a very shady reputation around these parts.
    • The average high street easy-access account pays 1.7% interest - but savers could earn 5% if they moved their money elsewhere. We look at which banks have the top rates.View the full article
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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.

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NORCAT V Bank of Scotland (HBOS)


Norcat
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Hi all, heard/seen Matin Lewis on BBC earlier this week then watched with much interest the Money Prog.

 

For years I believed the Banks to operate a system of legitamised extortion, to the point of immorality. It appears now that it was extortion but not legit. They would return a s.o. for £17.00, because there was only £12.00 free funds in the account and then send a letter advising that they had charged you £20-30 for the privilege. What a nonsense.

 

They are now sowing what they reaped. I used to say 'a plague on all theire houses', perhaps it has now come to pass!

 

On a personal level we have just sent claims against 2 separate accounts to HBOS totalling in excess of £10,000 (scary really that this amount should have been taken from us), and await, with some apprehension, their response. Will be delighted to advise of outcome.

 

With thanks to CAG and all your support.

 

All the very best to you all in a similar situation.

 

Please, wish us success!

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Hi Norcat

 

Good luck!!!! You will get all your money. I've just started 2 claims with BOS and still await up to date statements for my credit card, bank loan, business account and mortgage. They have until tomorrow to send them. Dont think they will make the deadline. I estimate by the time I am finished it will be nearly the same amount as you.

 

Good luck. Go for it!!!

 

Gemspan

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Good afternoon Gemspan, appreciate your post and best wishes. Please keep me posted and let me know how it pans out for you, hopefully to your success. Please let me know if they respond tomorrow!!!!!

 

I am also very interested re your Biz Ac, as we will be looking at our old BOS account early next week. Now moved to RBS.

 

All the very best.

 

Norcat

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  • 2 months later...

Good afternoon all, less than 3 months after submitting 2 claims totalling just over £10,000 to BoS, I now have letters of offer from the bank for £9500.00. Quite a result. They were a bit dilatory in putting back dates when they promised to respond, but following a little pressure (threat) they did telephone to discuss and make an offer of £8000. I held out for an extra £1000 over the 2 claims and I have to say they were very easy and to be honest, good to deal with.

 

They also acknowledged that they were being flooded with these claims.

 

We are delighted with the result and would ask all out there to pursue by the methods laid out by CAG and be committed. Our experience says you will win.

 

Our thanks to CSAG and Martin Collins via the Money Programme at the end of last year, and a donation to CAG on way as soon as thye funds hit the bank account.

 

Best of luck (sorry not luck........proper action and persistence)

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