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    • You need a back up plan. If you believe that redundancy is very likely, start looking at other employment options.  Don't leave it until you have been made redundant before looking for new employment. I regularly speak to people who have been made redundant and about mental health. Those who have a positive plan, get into employment quickly following redundancy and manage to maintain their finances. Those who don't have a plan, decide to accept redundancy and a period of unemployment. They end up in a downward spiral, with redundancy money spent, debts accumulated, mental health decline and difficulty finding new employment.  
    • Interested observer here as I'm in a similar situation. People become conditioned into seeking and maintaining a perfect credit score/file, but if your situation is that you're unlikely to obtain further credit for the foreseeable future anyway due to your other outstanding debts, then tanking your credit file now won't make a difference other than you've took back control of your finances.
    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
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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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Big Claim aginst RBOS


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I saw Stephen Hester hobbling out of Downing St on Crutches the other day, I wonder if your respective MP's gave him the rough treatment:D

 

I like it lol.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Sparkie cut & paste their letter with your comments in red & send it to you MP cos they appear to have completely missed the point

 

Hemsley is incorrect in stating the £450 is made up of interest and charges, there was no interest applied, the £450 sum is made up of by 15 X £30 unfair charges. I would ask for a full breakdown of this £450,00 and then watch them squirm.

 

Moreover, which contractual provision are RBS relying on which allowed Telford to covertly apply the said charges.

 

Paul

Edited by paulwlton

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Hi JonCris,

I will certainly be doing as you say, I will be also attempting to obtain another meeting with Andrew Miller prior to setting up of the date for this proposed "without prejudice" meeting with the RBS management, I want to make sure that Andrew Miller knows exactly what I intend to ask RBS to explain in full detail what they have been playing at for over 10 years now, and as Paul says explain how an "alleged unproven book debt" of £171. can reach a total of £645.57 in 13 months by the addition of charges and interest to an account that is an account the customer is unaware of his "Router Account".

I will ask for a complete breakdown of what proportion is interest and what the proportion is charges and what authority they had to charge this when Mr Hemsley says "there was a lack of documentation available"

 

As I have stated on this thread there was never any kind of Banking Agreement in place of any description between me and the RBS at any time

sparkie

 

Unless of course it was set up as a "different type" of recovery account...as you are aware Telford are the best in the buisiness at doing this.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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makes you wonder after all said and done how on earth can banks get away with fraudulent accounting...as you know paul my case with nat west is the same even though they admitted liability in the libel all i have ever had of them since is take us to court then ?

they know after x amount of years you really feel like throwing the towel in but for them to with hold vital information equates in my eyes to fraud yet even if you went to the police they would laugh as it is not theyre bag shame you cannot take the to court under a private crimminal prosecution for fraud i really think that would bring this to a head my case has not been mentioned by nat west since 1993 but problem with mine is they have a deed on my property so i am stuck either way but good luck mate hope you can force the truth out of themand when you do and if you get an admission go for the jugular put the barstewards in jail for fraud

patrickq1

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I understand the reason for the editing of my post but I wish to make it known that RBS have been made aware in ALL my letters of every potentially libelous allegation from Sir Fred Goodwin and head office in Edinburgh to CMS Telford to the litigation department of RBS to The Head Office in London and to their Solicitors Cobbetts ...no action has been taken ....beacuse I can prove everything I say and have said.... .......and the main reason that they wish a without prejudice meeting to discuss and finalise the whole matter but....... I still apologise sincerelyt o the Forum as a whole

 

respectfully

 

sparkie

 

Sparkie,

 

Your posts have been edited as they could leave the forum open to potential litigation - whether you can prove your case or not is irrelevant to the fact that we need to protect the forum from facing such legal action in the first place. As we've seen historically, defending such an action can cost a lot of money - that's money that the forum doesn't have lying around spare.

 

Going forward, it may be worthwhile running any potentially contentious posts you are wanting to make past the site team before you go ahead and post. Just a thought for you to consider.

 

;)

 

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  • 2 weeks later...
I have compiled a list of the most important questions I want the RBS to answer face to face

 

I am not going to list them all in case someone is viewing from RBS.

 

But I will post this one as it is an important one that could have a profound effect on a lot of others.

 

I will ask them this

Hope you don't mind me EDITING THE QUESTIONS ON THE OPEN FORUM.

Explain what a " Router Account is and how it is used?

 

In my experience RBS Group have not made the Router account open and transparent to me. How can I as a customer clear balances if the process of the router account is kept in the dark from me?

 

 

Mr Dickinson has stated in the press that Router accounts are merely for internal accounting puposes only. If this is the case, how can RBS Group litigate on the basis of these account or defend an action, in my case, for the last 10 years?

 

 

These are just a few points in one question about one issue.

 

sparkie

 

Hope that's ok sparkie

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Sparkie, I think I know the link as to the why RBS and HBOS used/use the system. I think I might know the reason for 2 router numbers. On both of them, I don't have 100% certainty but 99% on the first part and 90% ish on the second part. I won't post the reasons on the open forum though.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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