Good Morning & Hello At Last!

[Aphrodite18]

Thank you for the opportunity to access such a mine of information re banks and no doubt other interesting stuff.. I have been wandering around the site like a complete klutz trying to work out what to do to pop up a post.. if you never here from me again it is because I lost my way and not because I can't read! Certainly not a place for a deadhead!! Anyway I have done what I intended to do and will now bury myself in reading up on the process so I too can try and get back some of the largesse the banks have enjoyed at our expense. bit like Politicians really... x

[MARTIN3030]

Ha Ha almost......Welcome to the site.

Agreed it can be a little daunting but help is never far away.

I suggest reading threads from your own bank group and starting a thread of your own there.

We are all new once just give it a little time !!

[Aphrodite18]

Thank you for that... whew.. money and the associated hassles are so complicated... I need threads for the Nationwide and the Royal Bank of Scotland. Can you please tell me how I get the draft letter re asking for info re charges on my account in line with the freedom of info act

[Aphrodite18]

Well I made it Guys and Gals... still here and just to not waste other people's time _ I think I have found the drafts I need to work from re Banks. onderful place - pity Governments cannot seemingly see the advantage and cost effectiveness of an inclusive way forward eh? Mind you it would cost less and waste would be noticed and dealt with faster if that were the case... sorry to harp on but these days I am increasingly aware and consequently more cross - aha that is why the older generation are such a nuisance and kept down with 50p pension increases etal!! Best of it is we pay these bods!! Whoops here I go again... hope everyone has a fantastic day!

[boxbeau]

Good morning to you all, I am a new user, so I am sure you will all treat me with nice kid gloves and not laugh at my spelling mistakes....oh go on then i dont mind. If anyone can possibly direct me to the correct forums, I wish some advice from people regarding a bank defaulting me wrongly and wiping out my entire credit record. Any help would be greatly appreciated.

[Aphrodite18]

Hi there.. I wish I could - I am still a novice and all I did was wander adn drop on stuff by virtual accident! I think if you want something specific like you do someone more expert than me will pop up and show you how and where.. just keep on peeping! Good Luck and welcome again!

[Aphrodite18]

I just thought - I don't know if you read the chap Dave's story about how and why this all started but it is an excellent insight into what is driving this movement and it is great!

[boxbeau]

Hi Aphrodite, good morning to you. I have heard about this site, from a friend of mine, he said it was there are a lot of knowledgable and helpful people so i thought i would see if they could help. Just fed up with trying to build up my credit record after a bank wiped outt my whole credit file. They admitted it but seem to think that it was okay to do so.Anyway I wont bore you

[boxbeau]

Agreed Aphrodite, seems that a lot of people have benefited from this site and reclaimed what is rightfully theirs

[Aphrodite18]

Hey hey hey... it is NOT boring and for you I don't doubt that apart from huge distress it is also causing practical problems so talk away - if you want to or need to - it is important or you wouldn't be here.. come to think of it that is why we are all here.. it is time to stop allowing all this robbery dressed up as whatever..

[Aphrodite18]

I have just had a very nasty thought!! What if this is a new excuse to avoid providing the information to people that they need in order to pursue their claims in future? Government and Police do it from time to time ...

[boxbeau]

The practical problems and the distress have been immense. Its amazing how much its affected my business life over the past three years. I had a loan with a bank, only a small £2000 loan over 2 years my first ever to be truthful. I have never wanted a credit card, always had my bills paid on time so i thought i was quite good with my money. I changed bank accounts, set up a new direct debit mandate with the bank who loaned me the money. 4 weeks later, i had a phone call from the bank asking to pay my months repayment as they had not received the mandate. This I did by way of switch card, asking them to set up a direct debit over the phone. They said no problems and took my bank details. 2 months later the bank sends me a letter stating that I must pay two months repayment as the money had not gone through the direct debit i had set up with them over the phone. To say I was miffed could be classed as an understatement. So i rang them up again, paid 2 months of repayment over the phone, asking them to set up the direct debit again, explaining that i had done this twice already. They even had a record of the telephone conversations. 3 months later, i receive a letter saying they had defaulted me.....I was fed up at this stage. After getting on to the bank in 2004 and explaining to their litigation department, they sent me a letter admitting liability, quoting " This was an error made on behalf of *** bank, and you therefore should not have had a default notice registered against you.". I Thought great its done with now they are sorting this out. This was in June 2004. In december 2004 I applied for a hire purchase agreement on a £6000 piece of equipment, which i was refused as on my credit file it showed I had defaulted. I explained on appeal that this default was wrongly entered and immediately contacted the bank who had defaulted me. In january 2005 the bank again apologised and informed me "We did request your default be removed in June 2004, but it appears this was not updated and in view of this we have made a business decision to delete the entry from your credit file"....the only thing is my credit score went from exceptional to very poor and i have been spending the past 3 years trying to build up my credit worthiness. I am loathed to apply for any loans now as my credit rating is still classed as poor to fair. Are the bank in question responsible? Can i or should i take legal action against them....can anyone help

[Aphrodite18]

Definitely!!! I had a situation some years ago when i had purchased a car (2nd hand) for my daugher and used Ford Finance. I paid it iff early and forgot about it. Some years later I went to the bank for a loan and was politely turned down and couldn't be told why but they did tell me the figure and the approx date. As like you I don't do huge debt apart from mortgages I was able to say immediately it was wrong and it could only relate to the car... had to go home and phone Ford which I did - they took ages to find the records and then said it was an error as I didn't owe anything.. I said I knew all that but they were the only ones who could remove it from the records and I also asked for a written apology - partly for pride's sake but also just in case I needed proof that I hadn't done anything wrong - it was sorted out but it does cause problems and if I hadn't gone for that finance - which I dumped anyway. that could have lain dormant for years and I would never even have known. That Must be wrong!! I am not an expert in these matters but one thing I would suggest that i have learned is that if you haven't got any of these apologies in writing then get them if you can... please get the names (FULL if possible) of anyone and everyone you speak to re this and times and dates.. otherwise everyone can and will duck and dive. They are also much more likely to do what they should do and do it more responsibly! I hope someone else with more insight comes in to help you...

[boxbeau]

Thanks Aphrodite, I am reading one of the letters now, and it has the names and the admission of fault. I would never throw them away. Interestingly enough after they eventually wiped out my credit file, i applied to them again for a loan of £8000, and was promptly refused due to being poor creditworthiness. It just makes me sick that they could ruin my life yet still not offer me any compensation.....i would love to take them to court for the harassment and distress it has caused.....perhaps i have no chance but i wonder how many other people have been affected by a similar situation

[livelylad]

Please start threads for your claims, the welcome forum is for a quick hello, not War and Peace.

[boxbeau]

where do i start it?

[livelylad]

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts-please.html

[Aphrodite18]

I have just a further thought.. I truly hope you are that rare creature who has kept every bit of paper, letters and statements you have received because then you have your proof re the carry on you have experienced. Stating the obvious I know but whatever you do also get copies made of everything and keep them separate and never ever trust anyone who wants to borrow or keep the originals - show them yes but out of your tiny mitt? Never!! Well you can always look forward to ripping them up and throwing them at teh bank AFTER this is sorted out.. I do know by the way that it really is policy to try to put you on a merry go round in the hope that you will go away.. because it works most of the time... seriously I was inadvertantly told that by someone high up in a national bank. He didn't retract it either he just said he couldn't actually say it but I could interpret it as I would.

[Aphrodite18]

Whoops sorry Mr Moderator Sir.. just read what you said... Can we start a thread for War & Peace as well?