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    • there's no rule of thumb but rarely do you see lowells drop a claim until after the disclosures stage it just really depends upon what 'cards' they hold like enforceable agreement, DN, NOA etc etc however due to andyorch's excellent help - we see most discontinued...   one thing that also plays a part is when the card was taken out too. yours was taken out?   these will give you a good benchmark and also help with defence and after process   https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=lowell claimform vanquis won discontinued&oq=lowell claimform vanquis won discontinued&gs_l=partner-generic.12...166572.185174.0.188553.41.41.0.0.0.0.92.2663.41.41.0.csems%2Cnrl%3D13...0.18609j16146633j41...1.34.partner-generic..34.7.458.uRZnbd8y-qY
    • On Monday the 27th of July 2020, i signed up with Anglian windows to work as a canvasser over in East London, the interview went well. I started working and had to use a app on the phone to make appointments. The deal was if i got a lead on the door and the salesman went round to the customer and and priced it i would get paid for it.  I started working the following week, i made leads, but i had problems with the app not working as well as it should, the app would give me results on my leads.  Long story but they where working some leads and forgetting to work other leads and not up dating the app, so i did not know my results. My wages where wrong and i decided i could not work for the company. I gave them over 20 leads and was only paid for 3.  I told them i was leaving, that was fine, they said they would work my leads and pay me, they even sent me a text message to say one of my leads has been priced and i would get paid for it.  No money was paid, i have sent messages to the regional manager and no answer, in the end i started emailing head office and they said they would look into it but i am getting nowhere.    What can i do.
    • Do try and keep up It was quite clear I was referencing any lingering hopes you may hold of rejoining the wretched institution
    • thanks, will do   after reading a lot of the other posts like you said to, is it a good defence statement that makes them think about dropping it?
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Big Claim aginst RBOS


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Sparkie

 

Really need to send you a PM, but you seem to have exceeded your limit. Too popular!!

 

Any chance of getting rid of some old messages?

 

Thanks

 

D

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Hi D& D

From what I make of this "router Account" its a name they give to any figures they come up with and are completely rubbish they contain information of what RBS actually do with accounts figures, manipulations, but then when questioned about them say you are not entitled to them because they will be found out on a massive scale of false accounting and creatrion of false accounts.

They do not want them brought out into the open.

I would get your router account and compare it with the bank statements you have, check and double check ,I bet you will find they do not balance or correspond with each other, you will find entries on certain dates that do not correspond with your bank statements and that will be another false accounting case.

 

sparkie

 

Agreed, These accounts contain interest on court fees ect they're also manipulated in respect of misappropriation.

 

In your case i cannot see any link between the router and your account.

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

Winston Churchill

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It's pretty much about ALL data. Every week, after many letters we keep getting another bit of information.

 

They really need to supply it ALL in ONE GO!

 

D

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Have you received any replies to your emails sparkie ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Sparkie - OMIGOD!!!! I have just read through your thread and am totally touched that you found the time to offer support to me on my thread - in fact you were the very first person to post a reply - so thank you very much. I'm an absolute beginner and novice at this but (as well as being terrified by what you have gone through) I am more determined to continue with my stab at the RBS. Keep up the good work Sparkie! Power to the People!! You will win in the end

Jooles

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Quote:

Originally Posted by citizenB viewpost.gif

Have you received any replies to your emails sparkie ?

 

 

Hi again,

 

The answer to your question a big big NO REPLY or acknowledgement, I think I have given them a BIG BIG problem .....problems!!!!:)

 

sparkie

 

:D I reckon you have as well. I am crossing the days off on the calendar LOL.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Sparkie: I tend to agree with you there.I work in litigation and beleive you me I know what im talking about.When a case is closed the data cannot be destroyed until after 6 years after the case is closed so you are absoultly correct in that regard.Without going to the law books I beleive this is covered by the Limitation Act(1980) and the Data Protection Act(1998).So yes the records are covered under law until 2010.I closed a file on Friday so that file cannot be destoryed until 2013.It amazes me that the banks and finiancial instututions are flouting the law when they know darn well that they have no chance when it gets to the court room.Wilson vs First County Trust(COA 2001) is a prime example.

 

Hi Terminator,

 

Sorry I do not understand the relevance of the Wilson case in records being destroyed? Perhalps I am taking it out of context as this issue concerns my hearing on Friday...Cobbetts are going to defend and so I need all the correct ammo in the right order to make sure I win...

 

Hi Sparkie, I am on Small Claims and you were on fast track, did they get costs against you and if not what reasons did the judge give?

 

Thanks,

 

Penfold

Penfold

(feel free to click the scales on the left if I said something that helps)

Due to recent issues I have had....

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Sparkie,

 

I hope you don't mind, but I will be PMing you along with my gang (LOL) to review the arguements for my case on Friday. I am no longer posting on my thread as I know it is being read....(paranoia setting in...)

 

Thanks,

 

Prabs

Penfold

(feel free to click the scales on the left if I said something that helps)

Due to recent issues I have had....

All posts written by me and involving my opinions and written without any legal knowledge are....

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Hello

 

I am a new member here my proplem with RBOS. It is actually a dormant account for last 3 years i never used it. it is a cash card account and another bank offered me current account around 2005,so i stopped use them tough it is still open. at 2005 i moved to a new address and i certainly remember i changed my address with them too along with my other bank and utilities address. at that time there was 15 pounds savings in my account. previous year i got a contract with RAC motoring services but i did not renew it, because i sold my card. Still RAC asked money from RBS thorough direct debit without let me know. They did not pay RAC for their was not enough fund in my accountand charged me for 28 pounds and send a letter to my previous address. They deny that i changed address.

Because of i did not get their letter i did not pay this money and they kept me charging every month another 28 pounds plus escalating interests ( 1.04 pound first month second month 1.43 etc), after around 10 month in april they called on my phone and asked me to pay total 271 pounds

I told them first why they did not send a letter to me at first hand but they deny that i have changed the address. i told them it is obviously a dormant account for there is no activity in it for last three years and these charges is unlawful. She threatened me to send me bailiffs. I told her first close down my account, because i do not want to work with them. She refused to do it and said she would keep till i pay them fully. Plus she said she keep charging me every month till i pay them fullycan she send a baiiliff to me straight away without a court order, and what should i do? please some help and ideas.

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nice to see you r still here pen

patrickq1

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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nice to see you r still here pen

patrickq1

 

Thanks Patrick, I'm around indeed and still fighting our friends...:rolleyes:

Penfold

(feel free to click the scales on the left if I said something that helps)

Due to recent issues I have had....

All posts written by me and involving my opinions and written without any legal knowledge are....

Without Prejudice

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If the RAC annual payment is made by credit card then it's often a rolling charge taken each year from the same card without further ado

 

However before setting up such an arrangement they are supposed to get the holders agreement & often they don't

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yes they did this with me jon i cancelled and it took 4 months to get my money back i am now aa they call every year and send constant reminders

patrickq1

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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no room in your PM box! Delete sent items!

Penfold

(feel free to click the scales on the left if I said something that helps)

Due to recent issues I have had....

All posts written by me and involving my opinions and written without any legal knowledge are....

Without Prejudice

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