walton v rbos

[paulwlton]

Sorry Paul It's early and I'm dense . That letter is saying that you agreed that you would no longer be able to pursue RBS does it not?

 

My barrister has advised that this aint a problem.

 

What peed me off (and my MP) is how they went about obtaining the undertaking - I only noticed the N19A and lettering after I'd requested a copy of the signed undertaking from the court.

 

PW

[Sparkie1723]

I want to go back to Mr Dickensons letters Paul...................The words he used to describe "RouterAccounts" to the Press when asked what they were and why no -one had heard about them was..........."The Router Accounts" are merely an internal accounting system that has no detrimental affect on coustomers accounts and therefore the public have no need to know about them".....NOw as we know they use them to support Court cases.........how does this make his statement seem???? A little contradictory to say the least...........that's how I found out I had a router Account" they presented it their Court Defence bundle......I had never seen it before then...........held it back from my SDAR made 12 months earlier.

 

 

 

 

 

sparkie

[PriorityOne]

....."The Router Accounts" are merely an internal accounting system that has no detrimental affect on coustomers accounts and therefore the public have no need to know about them".....

 

sparkie

 

No detrimental effect? From what I've read/heard, there's been one helluva lot of interest/charges added that people were unaware of for years...

 

Any statement that even hints at "the public have no need to know about them" should be translated into "we don't want the public to know about them"

[Sparkie1723]

Below is the "Router Account that RBS presented in Court in their Defence bundle in March 2007....this was with held from my SDAR , this was the first time I knew anything about it.....I know it is only a small account but multiply this by 10's of thousands.

 

Take special note that the " BOOK DEBT" remains constant as I have said ...the Total debt is increased by adding charges, the next two enlarge on the " ceativeness" of this "ASSETT" and how they do it.

 

Also note the computer program numbers

 

 

Edited February 20, 2010 by Sparkie1723

[Sparkie1723]

This one run by a different computer program show that they have separated the total debt and created another " BOOK DEBT" i.e another "Assett"

This was supplied to me after the RBS had told my M.P. they held no more documents.

 

Note that the "Book debt" on previous post was £171.57 and the charges amount to a total debt of £645.57, made up of the £474 charges +£171.57 Book Debt

 

This was only supplied to me after the Court case and I made a Court Application for an order to be made for further disclosure under CPR31.16.

 

The RBS supplied these 4 days before the hearing and it was ruled that as they had now supplied these records my application was refused and I was ordered to pay the costs of the application....£1100.

 

Also note there is no date as to when these accounts began or " creation" date

 

 

Edited February 20, 2010 by Sparkie1723

[Sparkie1723]

Mr Hemsley has stated that the charges above are made up of interest and charges....how can it be that the interest and charges are the same each month on a different monthly balance?????

 

Also when an account is transferred to Telford the customer never receives any monthly bank statements because the account is "Pulled out of " the normal banking system....the normal banking system cannot manipulate accounts the way the " Router System" can, ....are folks realising now, how the "false secret accounting" is carried out and done?

Therefore it shows that because you never receive a bank statement..... and the Bank say that ..."there is no need for the customer to know about their "Router Account" or the system....what more evidence of secrecy is needed than that???

 

 

sparkie

Edited February 20, 2010 by Sparkie1723

[paulwlton]

RBS has created a "book debt" (asset) by secretly applying charges to Sparkie's "router" account.....how blatantly obvious is that?

[PriorityOne]

There's a clear reference to it being allocated out to 1st & 2nd collectors and then a 3rd collector (BCW) (Buccanan, Clarke & Wells) .... post #2378.

 

If so, it's not interest, it's charges and if interest is being applied.... then it's being applied on those charges.

[humbleman]

so the book debt = REAL debt,

 

total debt is used for the purpose of inflating the value of the company and at the same time used for tax relief.

 

So 2008 crisis came just in time to clean all the dirties.

[Sparkie1723]

so the book debt = REAL debt,

 

total debt is used for the purpose of inflating the value of the company and at the same time used for tax relief.

 

So 2008 crisis came just in time to clean all the dirties.

 

You have got it humbleman!!! In a nutshell

 

HI PriorityOne

 

You have to remember that Mr Hemsley the CEO of Manufacturing categorically stated and confimed in a letter to my MP that They were charges AND interest NOT just charges....not only manipulating accounts but manipulating words.

 

sparkie

[elsinore]

Mr Hemsley the CEO of Manufacturing

 

One of the definitions of 'manufacture' is to invent fictitiously; fabricate; concoct.

Els;)

[Sparkie1723]

One of the definitions of 'manufacture' is to invent fictitiously; fabricate; concoct.

 

Els;)

 

 

:D:D:D!!!!!!

[humbleman]

One of the definitions of 'manufacture' is to invent fictitiously; fabricate; concoct.

 

Els;)

 

At least no one can accuse him of not taking his role seriously.

[lookinforinfo]

I am looking at Mr Dickinson's explanation of a Router account and having difficulty accepting it.

I have noticed that Sparkies and Pauls account sheets do differ, so it maybe that there are more

different pages within each Router account. but certainly on Sparkies sheet, there appears to be no facility on it to allow when to chase up or take any further action.[i can see nothing that would indicate there is a monitoring on diary system involved]. Also, as the customers name is on the Router account as well as the account number, it would be hard to justify why this would help in cases where customers with similar names were sent to Telford. These same customers would have had different account numbers at their own branches anyway so it would seem pointless to create a new number when at CMS.account

[elsinore]

Paul, Sparkie, et al, in case you wondered where your money's gone:

 

Express.co.uk - Home of the Daily and Sunday Express | UK News :: Plush £300m offices of bailed-out bank

 

Els

[Sparkie1723]

HI lookinforinfo

THe points you are making are exactly the points Paul & Myself have made previously, you seem to arrive at exactly the same conclusions as us.

BUt until recently no-one has taken what we claim seriously enough but many are beginning to now..............Telford is a massive cover up dept in our honest opinion.........RBS have never supplied any real viable argument to disprove what we claim only misleading contradictory?????? statements both inside court room and out.

 

sparkie

[Sparkie1723]

Paul, Sparkie, et al, in case you wondered where your money's gone:

 

Express.co.uk - Home of the Daily and Sunday Express | UK News :: Plush £300m offices of bailed-out bank

 

Els

 

HI Elsinore

 

NOw that is really showing the treasury what is going on with the tax payers money....and its sickening.

[Poppay2]

They keep fluffing me off whenever I question my 'router' account, they wont even refer to it but say 'this issue has been dealt with and answered under separate cover' mmmmh sounds odd to me.

But they have never given me a satisfactory answer, just that it was because it went to debt recovery, but it went to telford before I got into that situation!

it turns my stomach.

[Poppay2]

just checking my emails and I note that RBS are recruiting for sales staff....

[Sparkie1723]

They keep fluffing me off whenever I question my 'router' account, they wont even refer to it but say 'this issue has been dealt with and answered under separate cover' mmmmh sounds odd to me.

But they have never given me a satisfactory answer, just that it was because it went to debt recovery, but it went to telford before I got into that situation!

it turns my stomach.

 

Just more evidence of secrecy and concealment in my opinion...... If your account went to Telford ..you have at least one Router Account.

 

sparkie

[pebsham]

Here is a question that I intend posing to the information commissioner's office this week and maybe we can have a consensus of opinion on here.

 

My question is : Are we entitled to ALL information held even if the company referred to insists that is for internal use only?

 

If as I suspect the answer is "YES" then I think all of us on here need to apply for router account details stating clearly the ICO's guidance.

 

If we are "fobbed off" then a formal complaint can be made.

 

If this can be done on mass with nudges to the mainstream media it may open up yet another gaping wound in the festering corpse that is RBS.

Edited February 20, 2010 by pebsham
Fat Fingers!

[paulwlton]

Received a response from the Chairman of the FSA Consumer Panel today.

 

Waiting for the response from the FSA now....probably a fob off but, good ammo to be included in my forthcoming radio Interview.

 

Sparkie, D&D and others you may want to email a letter to the panel.

 

Edited February 20, 2010 by paulwlton

[Sparkie1723]

IMO Paul that is a fob off........but as you say more ammo for your interview............telling all the listeners how useless these bodies are and how scared they now all are of the RBS.......who have the upper hand over the politicians now......F**** with us and your money is gone!!!!

 

sparkie

[gezwee]

Here is a question that I intend posing to the information commissioner's office this week and maybe we can have a consensus of opinion on here.

 

My question is : Are we entitled to ALL information held even if the company referred to insists that is for internal use only?

 

If as I suspect the answer is "YES" then I think all of us on here need to apply for router account details stating clearly the ICO's guidance.

 

If we are "fobbed off" then a formal complaint can be made.

 

If this can be done on mass with nudges to the mainstream media it may open up yet another gaping wound in the festering corpse that is RBS.

 

This was part of a response from the ICO regarding another co. in relation to a damages claim

 

'It may be helpful for you to know that Section 13 of the DPA allows an individual the right to take action for compensation if he or she has suffered damage by a contravention of the Act; Section 14 allows the right to take action to “rectify, block, erase or destroy inaccurate data”.'

[Helford]

@Pebsham

 

Hi, I have no doubt that ALL needs to be divulged. The contrary would be for a Company to start filtering what you can and cannot see which goes against the DPA in it's entirity!

 

I worked for an international Insurer for 24 years, in later years we had to ensure that anything written or input to computer systems was not only correct and factual, but abbreviations utilised must not be ambigous to the customer. We were always instructed that anything written on systems, you should be able to say to the customer without causing offence or the like.

 

We had to make decisions based on customer's criminal convictions, past claims, suspicions on information received and the like, yet all had to stand up to possible customer scrutiny. All this decisions were 'For Internal Use only' yet as on relevant filing systems etc., all might have to be revealed!

 

The only exceptions are, if memory serves me right, are the 'Access to Medical Records Acts'.