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DG dirty tricks? ****WON****


lizvp
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sorry liz, was so wrapped up in my own little windfall -i forgot to congratulate you!!!

 

CONGRATULATIONSSSSSSSSSSSSSSSSSSSS!!!

If i've been helpful in any way....then tip my scales over there!

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yep saw that

oh lats, what would we have all done without you??

you really are a guardian angel - thank you from the bottom of my heart

If i've been helpful in any way....then tip my scales over there!

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this morning a cheque!!

 

i could hardly believe my eyes after all this time. somehow feels like there should have been trumpets and fanfare.

its taken nearly 7 months, they really are masters of procrastination!

 

i shall still be hanging around to see how everyone gets on (im hooked) and im contemplating going beyond the 6 years, but i just wanted to wish everyone GOOD LUCK...and hang in there.

 

and how do i go about going from current thread to the WON thread?

.

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Hey - well done and congratulations.

 

To change your thread title just PM a mod or pinkie...:)

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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 work well done.

Happy to change title......;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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liz, don't forget to tell the court that you got your money and case closed!

oh, all those poor little trees who gave their lives for you to do all that copying - maybe you could ask for it back and paper your bathroom with them!

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liz, did you see what crusher put on my thread (the aq stuff),

ok so, suppose you do your court bundle and they don't - you go for a default judgment, right? read this default judgement and then tell me it wouldn't have shook you if you had read that about 8 days ago!

i'm having a little rethink tonight about some things. just using you as a sounding board - maybe you should thank your lucky stars or somebody!

if you hadn't had an offer, how would you feel reading that?

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hey Lattie,

 

just having a read through. which bits are you re-thinking specifically tho?

 

their tactics/policies are changing and evolving just as much as we are. i must admit that i did very little in the way of bombardment, although i may very well be justifying my laziness with the argument that it would be a bit counter-productive.

as i understand it, we shall be the last few that are dealt with by DG as we know it. hsbc are setting up a dedicated department to deal with this 'problem', which will be very much more slick and dealt with on a more case-to-case basis.

 

im not sure, re the default judgement thing. our claim wasnt very big, certainly not compared to netty! and the account was closed back in 2004, but they set the bailiffs on us for £40 that wasnt owed. so for 2 years we have had to prove to various bailiffs that we dont owe the money...seriously unpleasant, especially as they insisted on visiting the OHs aged parents instead of us!!!!!

so we kinda had nothing to lose, and perhaps more of a reason to pursue.

 

so, while i think the default judgement is something to be avoided, i think it will ever be an unlikely outcome: the banks will not want too many of those awarded against them! might set a precedent, and they do have a licence to worry about should they become too troublesome.

 

reverse the positions for a minute, what would you be recommending? push each to the limit of the law? make the pips squeek?

whatever the many arguments may be, i suspect they will soon push everyone to the limit of the law with ever increasing ruthlessness, until the courts have had enough.

 

this has always had enormous implications, they are enormous institutions with enormous resources.

unless the ombudsman finds some teeth, or the government show some last minute backbone, the banks will just get more forceful. they will be looking for loopholes, lobbying for legislation and exploiting the judiciary.

 

its always possible tho, that legislation will go in our favour. if it does, its still several months away. the best advice then, will probably be: do not sign away your rights. do not agree to waive rights re any further action, do not agree to confidentiality..you may be able to expand your claim past 6 years if you havent signed away your rights so to do.

 

Lattie! i do believe im piffling on! i could wish we were sharing a few bottles of best plonk and setting this all to rights.

but the best we can probably do is provide the sort of morale support that you gave to me.

the law stuff is easy, the game they play is very difficult. all that we need to win is each other, and i thank you, very much

.

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hey Lattie,

 

just having a read through. which bits are you re-thinking specifically tho?

 

their tactics/policies are changing and evolving just as much as we are. i must admit that i did very little in the way of bombardment, although i may very well be justifying my laziness with the argument that it would be a bit counter-productive.

as i understand it, we shall be the last few that are dealt with by DG as we know it. hsbc are setting up a dedicated department to deal with this 'problem', which will be very much more slick and dealt with on a more case-to-case basis.

 

im not sure, re the default judgement thing. our claim wasnt very big, certainly not compared to netty! and the account was closed back in 2004, but they set the bailiffs on us for £40 that wasnt owed. so for 2 years we have had to prove to various bailiffs that we dont owe the money...seriously unpleasant, especially as they insisted on visiting the OHs aged parents instead of us!!!!!

so we kinda had nothing to lose, and perhaps more of a reason to pursue.

 

so, while i think the default judgement is something to be avoided, i think it will ever be an unlikely outcome: the banks will not want too many of those awarded against them! might set a precedent, and they do have a licence to worry about should they become too troublesome.

 

reverse the positions for a minute, what would you be recommending? push each to the limit of the law? make the pips squeek?

whatever the many arguments may be, i suspect they will soon push everyone to the limit of the law with ever increasing ruthlessness, until the courts have had enough.

 

this has always had enormous implications, they are enormous institutions with enormous resources.

unless the ombudsman finds some teeth, or the government show some last minute backbone, the banks will just get more forceful. they will be looking for loopholes, lobbying for legislation and exploiting the judiciary.

 

its always possible tho, that legislation will go in our favour. if it does, its still several months away. the best advice then, will probably be: do not sign away your rights. do not agree to waive rights re any further action, do not agree to confidentiality..you may be able to expand your claim past 6 years if you havent signed away your rights so to do.

 

Lattie! i do believe im piffling on! i could wish we were sharing a few bottles of best plonk and setting this all to rights.

but the best we can probably do is provide the sort of morale support that you gave to me.

the law stuff is easy, the game they play is very difficult. all that we need to win is each other, and i thank you, very much

No, this is not piffle.

It raises a lot of very valid points.

The situation is forever evolving, and we need to evolve.

And yes I can see DG moving on quite soon, our tactics will have to adjust again.

 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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i just feel bad about writing that thread and telling people to get in touch with the courts to see if dg had filed and encouraging them towards getting a judgment thinking it was a good thing to do - when as crusher points out - it is a perverbial can of worms. i feel i have mislead peeps.

so i'm rethinking what to tell them.

 

i think i'll do my equivalent to sharing a bottle of plonk - and go have a bubble bath - it's my remedy to stress - a bath, a book and a little drinky- poo! i'll probably miss all the good stuff - you guys are all night owls!

besides, i'm in a whinging mood tonight.

 

i told someone earlier who was thinking of taking an offer that:

if i were writing an acceptance letter - i'd put in it

- "you should be ashamed of yourself, working for a bank which plays havoc with the lives of people who have entrusted their hard-earned money to you. Anyone with a brain can see you haven't anyone's best interests at heart except for HSBC - profits in the billions last year, adverts purporting to help third world countries and animals - charity should begin at home - with a little customer care. There are people practically on the bread line because of your unfair charges. Good luck for another prosperous year at the expense of your long suffering customers."

see what i mean - must be a post menapausal hormone imbalance or something - i don't usually go on like that!

 

so, if aceades decides to go for it - will you keep available for support as you are the only one i know who actually did the court thingy!

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ye gads! i dont know where to start!

 

deep hot soaky bath thing, especially with a long cold drink and a good book just has no equal!

whinging is certainly an option you could never be accused of however.

 

you havent given bad advice or misled people. why, ever, would you think so?

the game is just changing. you saw it yourself and have said so. which makes you more 'fit for purpose' than most of the higher income executives or politicians out there!

 

the world only gets changed in tiny little increments, we can only do our best. this financial injustice that we are helping each other fight, may well turn into a fight against a wider injustice.

and we shouldnt feel guilty for first helping ourselves.

how else do we learn to help others?

 

and then of course, i could tell you all about mercury being retrograde for the last few weeks, topped off by saturdays lunar eclipse.

 

FFS shut me up!

.

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liz, lats is probably reading the HSBC Guide to the Galaxy in the bath, blubbering over a bottle of something strong! I hope she heeds your words) and mine that she's doing and has done a fantastic job of helping people. all this 'unkown' territory is getting to the people who care most. the formula is changing and if we are to help others in a way that we were, we have to learn what's ahead. most of all, we mustn't let lats think that she's failing anybody in any way shape or form. after all, this site is based on 'opinion' not concrete.

If i've been helpful in any way....then tip my scales over there!

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