Big Claim aginst RBOS

[bugged lady]

Thank you photoman you just answered my own query on SOL and got in before I posted. Was trying to think and type and being harrassed by son at same time!

[bugged lady]

Photoman Just had chance to read your post completely. Concur with legal argument.

 

Had to laugh at request for sneaky look and PM! Curisosity killed the cat you know. Only joking! Would love to know what it is too. But think Sparkie should keep that very very private until the right time.

[bugged lady]

Photoman or anyone really.

 

Where are you getting your info re Acts, Statues etc? Obviously, there must be people who work in the legal area and have everyday access to the reading material. But are there others here that are getting the material from other sources like the internet or library or something?

 

Used to have access but now not working there I find it really frustrating! Have tried to access case law etc for my daughter's employment claim too, but b*****ed if I can find anything much on the net and local libraries don't have that kind of material.

 

Sorry for jumping into your thread with this question Sparkie.

[photoman]

Photoman or anyone really.

 

Where are you getting your info re Acts, Statues etc? Obviously, there must be people who work in the legal area and have everyday access to the reading material. But are there others here that are getting the material from other sources like the internet or library or something?

 

Used to have access but now not working there I find it really frustrating! Have tried to access case law etc for my daughter's employment claim too, but b*****ed if I can find anything much on the net and local libraries don't have that kind of material.

 

Sorry for jumping into your thread with this question Sparkie.

 

Try this a-z index, lots of links to acts, statutes etc.

 

If there is anything specific you are looking for try posting a question on your own thread.

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

PM

[bugged lady]

Many thanks Photoman-will have good read.

 

Have put question on own thread.

 

Hence why I apologised to Sparkie. But also wanted to do my own investigation into my post to him earlier. Hate giving half advice or suggestions without being able to back it up if poss.

[lookinforinfo]

Buggedlady if you are looking for case law on the internet try

British and Irish Legal Information Institute

 

and then put in the keywords you are looking for in the white row search box

near the top of the page. Don't know what you are looking for but examples

of keywords might be "unfair dismissal" "unemployment Tribunals" "redundancy"

or amalgamate two or three different sets of keywords.

You could also click on advanced search to perhaps refine what you are after.

[Sparkie1723]

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Edited August 22, 2009 by Sparkie1723

[bugged lady]

Yeah

 

Been trying to do a little research for you, see if I could dig anything up but so far have come up with exactly the same as you.

[Yanni]

near the airport it is.......

 

it was a smallholding (few cows, couple of sheep, a few more chickens complete with a shed, a few acres and some trees)...... but they knocked it all down and in it's place is what best can be described as a town...complete with a high street, starbucks, "high street" banks (RBS only!!), hairdressers, shops, and grocers.......

 

at least you know have an inclination as to where some of your charges have gone: Uncle Tommy's next vente size Latte!!! ;-)

 

Sorry Atlantic, but the site of RBS's global HQ at Gogarburn was formerly a Hospital and Residence for the Mentally Handicapped which closed in 1999 - see link

 

Gogarburn Hospital

 

no cracks about idiots still being there please.

 

The Bank's Customer Relations Unit is situated at Edinburgh Park, a giant business area in west Edinburgh but a mile or two from Gogarburn.

 

To Sparkie I'll just say keep hanging in there - I've been battling with RBS since August last year over a "missold" loan and I think I'm winning, they have offered to reduce the sum I still owe them but I want the lot written off as I have paid back the capital sum - I am now, since I came across CAG, requesting £2500 worth of penalty charges be reimbursed to me, so far they have offered £1730 which I have accepted as partial repayment, altho have not received it yet - I will be taking my case to the FOS if I don't hear from the Bank by Tuesday.

 

Good luck with your case - I don't know if the Bank and Cobblers are being obstructive or just sheer incompetent but from reading your thread I suspect a bit of both.

[Sparkie1723]

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Edited August 22, 2009 by Sparkie1723

[Atlantic]

Sorry for the misinformation Yanni....... you've got your facts right....

 

I only used to drive past Gogarburn on the way westwards towards Bathgate and Glasgow, as I used to live in southside, Edinburgh. I also used to contract for them..... hence my familiarity with them.

[Yanni]

Sorry for the misinformation Yanni....... you've got your facts right....

 

I only used to drive past Gogarburn on the way westwards towards Bathgate and Glasgow, as I used to live in southside, Edinburgh. I also used to contract for them..... hence my familiarity with them.

 

No worries.

 

It's just that as a building labourer at the time, in the mid 1970s, I worked at Gogarburn digging the tracks for the relaying of the electrical cables which were replacing the original lead amoured cables of the 1920s and 30s, we all made a few bob in "recyling" the old cables at Dalton's scrapyard just round the corner, so I knew the old hospital quite well.

 

Quite a jolly place with many of the residents happy in their own little joyful world. There was an old guy, nae teeth and carried an old football with him everywhere. Would allow folks a kickabout for a while then move on. Always asking for old lemonade bottles to take to the hospital shop to trade in for sweets.

 

See map - RBS HQ is the purple bit marked Gogar, the red circle is the RBS CRU

 

Multimap - Maps

[Sparkie1723]

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Edited August 22, 2009 by Sparkie1723

[Atlantic]

hi yanni.....

 

I have quite a few friends who do your trade down here in London and they're mostly from west coast and fife....... i think doing what you do you virtually get to "know" buildings inside out.... plus learn a valuable set of skills to boot...

 

I noticed you are a "true" scot from what you put as your location....all in gaelic!!!

[Atlantic]

i don't want to criticise RBS too much, as they did pay up on time for me and with not too many hassles, .......... but I think many people would probably prefer to deal with the former residents of gogarburn (who when you think of it are/ were happy, friendly, outgoing, and relaxed in their dealings with others) rather than the current ones (who....just taking a quick look at Sparkies thread are enough to make the hairs on back of nexk stand on end!!)

[Sparkie1723]

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Edited August 22, 2009 by Sparkie1723

[yaffsimone1]

Ok the mysterious £167.00 had been credited to the account which RBOS have yet to confirm who, where, and what it is. However the £35.00 seems to have dissapeared off the face of the earth.

 

The balance was 346.45, less 167.00 = 179.45 less interest £5.95, less charge £24.00 = £209.40. This breakdown should be on the statement somewhere if it reads the balance was £209.40 at 10 Jan 2001.

 

So where is the £35.00? do you agree to depositing this £35.00?

 

Where they got the other figures from that show on the credit file....god only knows!

 

back to tapping on the calculator i think!

[bugged lady]

Hi Sparkie

 

Just read your post. You ask lots of questions. The answer to all of these is sooooo transparent! RBOS got it wrong- darn wrong. They have mucked up big big time and are wriggling like worms. The expression digging bigger hole for themselves comes to mind and give them enough rope they'll hang themselves!

 

Let's be honest, it could have started with a simple clerical error but has escalated beyond anything quickly rectified, is their fault, has cost you in money, time and stress and they are just making things 1,000 times worse.

 

Take my case all those years ago! How the hell did they manage to issue two accounts with the same account number,then threaten me andnot be prepared to accept they'd made an error or even look into it when I practically pleaded with them!?!?!?!

 

If I had been older, had an overdraft, not been soooooo exact in my account keeping (lets be honest when we are young something like a new bank account is all about growing up and you are proud and take good care of it!). It could've gone unnoticed for some time.

 

Plus, that bank was Nat West, Smith's Office in the City of London, a very prestige branch in those days!

 

I have not come accross many banks who don't have an arrogant, can't be bothered, tough luck we are in the right no matter what you say attitude. Less of course you have a very large amount of money then they snivel up your bottom in a sickening sycophantic manner!

 

The banks in general have been very clever. They seem to make us forget WE bank with them! It's OUR money and without it they wouldn't have the power they try to wield. They are supposed to be providing US with a service. Even loans etc-they are not helping us! They are earning money from that! It really is time for a turn of tide.

 

I realise in truth your questions are there to try to obtain precise answers too. But as it stands they just go to prove RBOS have done some very wrong things! I for one hope you get to the bottom of it-for your sake and justice, but also to see them have to eat humble pie!

[Sparkie1723]

yaffsimone1

 

Yep thats it and I did pay that £35:00 in, and you are also right where they get £195:57 from is a kind of " David Blaine" trick.

 

And thanks for your thoughts bugged lady.

 

sparkie

[bugged lady]

Yaff-it doesn't add up any way, with calculator, abacus or your fingers and toes! It is wrong! Either RBOS needs a straight course in arithmetic or they are trying to 'blind with science' . Seriously, you get any man with a junior level of understanding of addition and subtraction and a reasonable dose of logic and common sense, he'd either laugh or cry at those figures. He most surely wouldn't accept them as they stand!

[bugged lady]

Sparkie

 

I have to confess I haven't read your whole thread yet, not lazy just haven't had time, so please forgive me if I've missed some salient points or developments since around page 12.

 

However, in light of your recent posts, it appears RBOS are just giving you the run around and not coming back with anything truthful or viable that you can actually work with.

 

I don't know if this is possible or even if it would be cost prohibitive. But is there a chance that you could apply to the court to get an independant auditor/accountant into the bank (a) to investigate and try to find your original statements as far back as they really go and (b) to do their own accounting of credit's and debit's? This whole situation is ridiculous as it stands.

 

Read an article the other evening where a couple who banked with CitiBank had large cash withdrawals from their account using an ATM card, supposedly their card. They say they didn't weren't even in the country at the time, have solicitor on their case and they employed bods from Cambridge to investigate the possibility of someone being able to get money from their a/c and the safety of pin numbers. Cambridge findings were so bad for the bank that there has been a gagging order on their findings!

[Sparkie1723]

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Edited August 22, 2009 by Sparkie1723

[bugged lady]

Yeah sounds about right!

 

Had got to bit where you called the police in but didn't know if they had finished their investigation or what had happened re that.

 

I should really check my credit file, but it's one of those things you know you should do and never get around to unless, like you, you suddenly find there might just be a problem there!

 

Also, know what you mean when your say you read things through and suddenly all these different things keep popping up! Think we all do that to a degree, look for the salient info and miss other just as important things first time round.

 

Probably teaching you to suck eggs here but every time you find yet another discrepency log it down (highlight it) and put reasoning and reference notes (where it tallies up with other bits) together with it. Not saying the police would not do their job properly but it is all too easy to have the information sitting in front of you and not realise the merit or implications of it without referring it to other info to marry the two and get the real picture.

 

Lets be totally honest here. This is probably the kind of error at the bank where your problems all stem from (someone typed the wrong a/c or ref in and no one checked and from there the problem just escalated). Initially, it was probably imcompetence and negligence. However, their very arrogance that they can't possible be wrong does them no favours. Plus the old adage that the right hand never knows what the left hand is doing! Now, they seem to be trying to cover their tracks or hoping by appearing to be helpful or very sorry they can't help that you will give up and go away. Problem is, and its a problem for them and good news for you really, is the more they try to cover up or explain the situation away the more they are digging themselves in the dirt! Then it does really get serious for them. Whether at the end of the day politics etc will come into it and it will be whitewashed to a certain extent remains to be seen. Unfortunately, they do wield a lot of clout and to bring someone like that down completely would probably do 'certain powers' no favours. So, whilst I believe you will win your case and get a decent return for your efforts and compensation, don't be surprised if it's eventually put down to an unfortunate catalogue of errors, bad accounting, incompetence and neglect but that the Judge rules that it was unintentional and not done out of malice or for pecuniary interest. That for me would leave a bad taste in my mouth! Especially if I had been put through what you have.

 

If only the bank had played fair with you, held their hands up and said okay we have made an error, we are so very sorry here have your charges back and a nice sum in compensation as a gesture of good will and a major apology for our gross errors and we will set about putting right our errors! Wouldn't that be wonderful and wouldn't life be so much easier if people could do that? But the banks are so arrogant! So I say to you 'bring it on mate', give it to them big time. They deserve everything they get! Their attitude and manner of approach to dealing with problems serves to afford them absolutely no sympathy whatsoever.

[Sparkie1723]

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Edited August 22, 2009 by Sparkie1723

[bugged lady]

Sorry! :o I really hate banks with a passion! Also hate arrogance. Have had and heard too many horror stories re banks in my time.

 

I wouldn't mind but I'm sensible, level headed person on the whole and would never be negligent or get myself into debt. Yet they can do it so easily for you.

 

Hope you won't think this is hogging your thread. But a few yrs ago my salary date changed, I did have a loan with the bank at the time and I asked if I could change its payment date so that it would fall in line with new salary date. Oh they did that okay! They just put another DD in place and left the other one in place too! So I was paying double each mth! Major charges went on my a/c, they told me it was my incompetence for not managing my money (!?!?!?!?) they had to do it that way because of the legal requirements of the loan and I should've been aware of it! Complained to FOS, took mths to sort, FOS came down on my side, but my a/c was in serious state till then as a direct result. Got compensation, so a/c was okay again-in fact very healthy! But internal credit scoring with the bank went down from 9 on their scale of 1-10 to 3, which apparently is very bad. I complained and said this was totally unfair due to the fact it was their fault and the FOS agreed. They wouldn't do anything about it though and I ended up having no chq bk or debit card for nearly a year until I had brought my credit score up with them again to allow 'their policy/guide lines' to allow me to have one. So I won but I was still penalised for some time as a result. Suppose I could've gone back to FOS but was so tired of it all by then just didn't have the energy. Stopped me spending so much though! So had lots more money over and paid their ruddy loan back early so they lost out on their interest! Small victory I know but made me feel better!