Jump to content


  • Tweets

  • Posts

    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS and wonder what your advice would be given the documents they have provided?. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Thanks as always in advance
    • I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
    • did you submit your directions
    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

walton v rbos


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4843 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

An email to keep up the pressure...just sent.

 

 

Dear Mr Hemsley

 

Further to our meeting of the 13 July in the House of Commons.

 

With respect, I suggest you read the correspondance attached which was recently forwarded to me by my MP John Healey - I think you'll agree the behaviour of your RBS Telford recovery centre is unconscionable and totally unacceptable.

 

It is now the 2nd August and it appears you have reneged on the agreed seven days time to respond. Furthermore, I advise that if your response is a blatent attempt to circumvent my allegations then I will press for a further meeting with Alan Dickinson and/or Stephen Hester.

 

Yours Sincerley

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

Winston Churchill

Link to post
Share on other sites

  • Replies 2.7k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I don't think Alan Dickinson's your man - he's head of Corporate Banking not retail. Gordon Pell is head of Retail banking operations but will be replaced by Brian Hartzer (if he hasn't already).

Link to post
Share on other sites

I don't think Alan Dickinson's your man - he's head of Corporate Banking not retail. Gordon Pell is head of Retail banking operations but will be replaced by Brian Hartzer (if he hasn't already).

 

Dickinsons's the Chief Exec (UK) isn't he, and Hester's his boss isn't he?

 

PW

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

Winston Churchill

Link to post
Share on other sites

Here's one for anyone looking in......... as we are a very, very, very old nation; is there by any chance any legislation regarding misleading or deceiving a Rt Hon gentleman of her majestys parliament?

 

Just a thought, I pretty much have all that I want from RBS (except the new role in securitised asset management thats all over the web), 500k + bonuses, that'd get me out of a hole - lol. Just feel the need to set the cat amongst the pigeons at Bishopsgate.

 

I'm sure thats how it works, kick 'em even harder when you know you're winning :D

 

Thanks

 

Gez

Link to post
Share on other sites

Regardless of the legal situation, (which I can't answer) it isn't good politically to messing with an MP's enquiries.

 

The Courts of Politics and Public Opinion has a very different set of rules compared to the Courts of Law and Justice.

 

Link to post
Share on other sites

Hi Chris

 

I have (already known to Paul & Sparkie) ridden my luck on their hard work to my benefit.

 

I will of course publicate all when my case is settled....... I believe if you read some of my other posts my employer, as will my wish for anonymity be understood.

 

Need some specifics if poss from site team or somebody in the know looking in.

 

Cannot be right that my local MP receives a response which is both misleading and deceitful.

 

........... RBS state, did yada yada yada on such a date but documentary evidence shows other!

 

WTF.... are our own MP's now precluded from honest responses from the helpful bank?

 

I have attempted to obviate their responses but they appear set in their ways and are resorting to template replies which I find rude and offensive.

 

I had thought perhaps I should opt for the LBA with a checklist of Y/N attached;

 

Simple (cos they are), 1. Did you, 2. Do you etc etc etc ........ wondering if anybody else has tried this approach?

 

Any help appreciated

 

Thanks gez

Link to post
Share on other sites

Philip Hampton is the RBS Chairman, Stephen Hester is now CEO of the RBS Group and currently Gordon Pell is his Deputy.

 

As Gordon Pell is due to retire early next year Brian Hartzer is joining from ANZ (Australia and New Zealand banking group) and will ultimately take over as Deputy Chief Exec.

 

Alan Dickinson is CEO of the UK Corporate Banking division but is being replaced by Chris Sullivan but will remain as Chairman of Corporate Banking until he retires next year. He made headlines in May when news that he was to receive a share of the £5M bouns pot being handed to four of the bank's top execs.

 

Many of the newspaper reports incorrectly labelled Alan Dickinson as CEO of RBS when it was actually Fred Goodwin because they forgot to add "Corporate Banking Division" after his title.

Link to post
Share on other sites

Paul and myself are now asking for help...it appears that the reponse to Paul from Mr Hemsley is of similar content to mine.

 

WE have discussed setting up our own web site to highlight what we have discovered and the obstacles we are both still encountering can anyone assist/advise both of us how do do this, we now want maximum exposure and force our issues to the fore front of the general public both national and international.

 

sparkie

Link to post
Share on other sites

Paul and myself are now asking for help...it appears that the reponse to Paul from Mr Hemsley is of similar content to mine.

 

WE have discussed setting up our own web site to highlight what we have discovered and the obstacles we are both still encountering can anyone assist/advise both of us how do do this, we now want maximum exposure and force our issues to the fore front of the general public both national and international.

 

sparkie

 

The easiest/quickest way is to set up a blog.

Have a look at this page Blogging Software - Blogging Software Providers Comparison to see what's available and then have a look to see if you think a blog would be suitable for your purposes. Even if not it should help you focus on what exactly you want your website to do.

 

PM me if you need any further advice, and I'll do what I can.

 

Tony

MBNA (Virgin) - they paid up

Lloyds-TSB - court claim issued, they'll pay up soon

Link to post
Share on other sites

In light of recent redtop frontpages I'd be inclined to go for a cheap story and hope the broadsheets pick it up in a few days.

 

Doesnt matter how you sell it to the press, all you need do is pique their interest - once its in their domaine they'll keep gnawing at it like a dog with a bone.

 

2 loansharks in one day......... let the press go after a third

 

You tell them 80%, by the time it goes to print it'll be 800%.

Link to post
Share on other sites

I'd start with Robert Peston, the BBC guy who thinks he's Tom Cruise.

 

He loves the limelight and thinks he's a wizz on all things bank-related. You'll porbably have to let him say it was his scoop though!

Link to post
Share on other sites

Haha........... think we've gone off track with this :-)

 

Mr Peston, for all his strange expressions, does carry a lot of weight with the a.p.

 

Anybody know a local rag with 'ties' to the redtops? - thats usually how a local story gets pushed to frontpage.

 

Joking aside, the loansharks will only remain in the front half of the sun for maximum of 48 hours before they move on so timing as always is important or we'll be waiting for the next story to break.

Link to post
Share on other sites

I have copied this from my thread...this is the way forward we think

 

sparkie

 

I have not received any further esponse for Mr Hemsley...But I have had a letter from Cobbetts informing me that all my correspondence to Mr Hemsley has been passed to them AGAIN and they tell me that Mr Hemsley nor Cobbetts will be replying to any further correspondence they will just be filed " unanswered"

 

So I have now contacted a very good friend in N.Ireland who is a free lance video cameraman, who does camera work for a TV program in N. Ireland called "SPOTLIGHT" it is similar and linked to Panorama he is coming over on Sunday morning and we are going to work on producing a video of my/our story and cases (Pauls and mine) and all my/our allegations about the RBS ...EVERYTHING ..xxxxx xxxxxxxxx, xxxxxx xxxxx xxxxxxxxxxx xx xxxx xxxx xxxxxxxxxx xx xxxxxxxx xx xxxx..my/our full story ...evrything in the video will be backed up with a document to prove what I/we say in this video ....it will be in two parts ..we then propose to send a copy of it to all the top people in the bank the GOvt and down load it on to youtube and twitter, my friend will do all that....I/we would like to sell this video for say £5 for the two disc set ... we then could then possibly raise enough cash to take RBS on in the High Court with the best legal representation we can get.

Anyone any comments on this? ...."Good" idea or "BAD" idea??? Paul is going to feature in this video with his full story also.

The RBS will learn we will not be put off by their financial clout. Another round lost but this is only about the 6th round out of 15.

He will then present it to Spotlight and Panorama, we have to make the general tax payer aware of what the RBS have done and are still doing

 

sparkie

Edited by Sparkie1723
Link to post
Share on other sites

Arghhhhh, wheres page 98 got to?

 

Don't forget to look out for the stunning 2009 Q2 results for RBS on the back of the securities bondholder buyback auctions...... woohooo, sell at 60c Q3 2008, toss the debt into the taxpayers pot and buy back the returns book at 30c...... 0 cash transactions, 0 equity, 0 assets = + 4billion sterling!

 

Debt books have/will always be far more profitable for commerce.

Link to post
Share on other sites

Can you not get someone to take on your cases on a pro-bono basis.

 

My worry is by publicising all the facts before hand you could be said to be prejudicing the outcome and in affect starting a trial by the media?

 

I think you have to concentrate on how this has affected you both as individuals first and concentrating on what you require as compensation - and then hopefully when you win the resulting publicity will alert others that are affected.

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

Link to post
Share on other sites

I have spoken with lawyers and untill i've received further instruction I won't be making public what was included in RBSs response.

 

Paul

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

Winston Churchill

Link to post
Share on other sites

I have spoken with lawyers and untill i've received further instruction I won't be making public what was included in RBSs response.

 

Paul

 

paul can you confirm if the response is good or bad for you?

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

Link to post
Share on other sites

paul can you confirm if the response is good or bad for you?

 

I'll update on this once I receive councel's opinion on the matter.

 

PW

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

Winston Churchill

Link to post
Share on other sites

Paul and myself have decided to hold back sending an e-mail to Hemsley, but I am going ahead with the video.........I have made another appointment to see Andrew Miller on 10th September so nothing really will be done till at least after that date........but if anyone wants a copy in advance for personal viewing just get in touch with me by PM, am also posting this on my thread.

 

sparkie

Link to post
Share on other sites

My original agreement would appear to fall under the scope of section 18 CCA 1974, ie: the PPI falls under restricted-debtor-creditor-supplier, and the credit to refinance the existing borrowing falls under restricted-debtor-creditor.

 

There is no amount of credit stated (£8250) for the restricted-debtor-creditor agreement which imo renders the agreement unenforceable.

 

Contrary to what the banks would have us beleive, there is no bar on challenging an improperly executed agreement as a seperate issue by bringing free-standing proceesings for a decleration, this would have the effect of staying earlier proceedings, ie: possession orders, judgments etc, pending the consolidation of the claim with the earlier proceedings.

 

If councel's opinion is favourable it's going to be more hasstle for RBS.

 

Any thoughts?

 

 

Walton3-2.jpg

Edited by paulwlton

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

Winston Churchill

Link to post
Share on other sites

Totally agree, Paul. The PPI should be set out separately, with it's own prescribed terms. As it isn't, the agreement is formatted incorrectly, thereby improperly executed - unfortunately, that is fatal ;)

 

Nice one Chris.

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

Winston Churchill

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...