Jump to content

  • Tweets

  • Posts

    • get rid of the car and sue under a scottish claim for transportation costs.
    • Tariffs could add £3bn to the cost of importing food and drink from the EU, a leading retail body warns. View the full article
    • China plans a digital version of its currency, which some say could become a big global payment system. View the full article
    • nothing new always been that way for 25+yrs now i had voip lines with NTL back in the late 90's which is why a real trucall box or a handset with real truecall software in it is SO good.   on average i get about 25-35 of these calls a month NONE get thru  the ones that spoof UK or mobile numbers are still screened are easily dealt with the truecall system   if they are real, the only thing they have to do is speak and you get an alert ring to listen to whom call with the option to accept or ZZapp them. once zapped that number never gets thru again.   its worthy to note that the scammers only ever use disconnected numbers, or fake numbers after a known local UK dialling code well the truecall software already knows these numbers as it gets the same databases the scammers use. if the number doesnt come up on the fake/disconnected list, it also then checks if the UK number is listed active UK and will auto put people thru   very clever little device worth every penny and mine is from 2006 when i joined CAG.
    • No the info on comms log isn't quite right,   I hadn't worked since Xmas due to bereavement but I wasn't staying in Somerset since the Xmas. The comms log is very deceitful indeed and after I had finished evaluating it fully I came to the conclusion MB are very manipulative, they lie, cheat and twist the truth, but it only takes the slightest slip up and everything crumbles.   You see in order for MB to have taken any further steps they have to be entitled to take them. So when they lie and try to deceive the truth prevails 😊, so to send a copy of a Default Sums Notice dated 15/1/17 that doesn't exist on the log anywhere and Ive never had the original and then fail to include one in the SAR that is listed on the log as generated on 18/1/17 (not had this one either)  doesn't the consequence of that 1 act prevent them from any further action until the notices are served    86 (e) Notice of default sums (5)If the creditor or owner fails to give the debtor or hirer the notice under this section within the period mentioned in subsection (2), he shall not be entitled to enforce the agreement until the notice is given to the debtor or hirer.       But I am reducing the complaint and sticking to basics
  • Our picks

    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 4 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
      I’m literally at the end of my tether and don’t know where to turn next !
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

Let me introduce myself

Please note that this topic has not had any new posts for the last 5190 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I work for a major Bank - but you must appreciate that, and I am confident that this applies to all staff of UK financial institutions, whether they know it or not, that any participation in a messageboard like this would lead to instant dismissal. In fact I believe that the actual rule is so Draconian that setting up a webpage about my dog would require formal permission. Any who work for a Bank and offer advice should, therefore, always be cautious, but never allow arrogant bullying tactics to deter you - as you see, it hasn't stopped me, and I am moderating on another financial forum elsewhere :-D and I have also actively engaged in claims against Banks - so clearly they have nothing to hide :rolleyes:


I have no claim to pursue, and no particular axe to grind, and would only seek to offer assistance, where I can, and an insight into things which may come as a surprise to some, and a shock to others. I, thankfully, don't work in an area involved in dealing with accounts (sorry, can't be more specific for reasons mentioned) and have been dumbfounded by the obscenity of some of the cases described on this forum, and it has prompted me to join.


Do Bank's scan these forums ?


I would be fairly confident that they do. They have media departments who scan for all news articles and reports that may impact on their and other Bank's profiles. I do not imagine that they would be looking at individual cases, more trying to get some overall perspective on tactics and customer attitudes - so it must be pretty depressing reading for them. It is not something to be scared by, and as has been said, the formula works , so their scanning the forum is unlikely to provide them with a 'magic key' defence - just one caveat - don't provide them with insight into your own weakness such as being desperate to settle early.


If you claim say £2,000 and this case lands on the desk of an exec and he can get you to settle for £1,500 then he earns a big tick, even though the Bank loses £1,500. If you have set aside claims for other charges it would then be interesting to use any such offer as a prompt to claim the rest - that would make him rush a little more to conclude the original offer more quickly. His interest is purely selfish - if you settle for less he gets a tick - if you get what you want he loses nothing - if his intervention makes the claim grow he gets his aaaaaa*** kicked.


I hope I can be of some assistance. I have seen Bank responses in various threads which sound bizarre and I imagine are just plain lies, and there are some general issues such as Bank's fear of regulatory infractions and Basel II :eek: - now there's a nasty thing to say to a Banker. Can't provide account transaction details ? http://en.wikipedia.org/wiki/Operational_risk#Examples - sound like a Basel II non-compliance issue for them to deal with.


Knowledge is power - use it.

  • Confused 1
Link to post
Share on other sites

Very interesting thanks for the insight!! and welcome to CAG.

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs



Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.


Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!


G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

Link to post
Share on other sites

Have you PM'd BankFodder to let him know you are registered on this site? As a bank employee you must do so.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06



Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06





Smile - £175

Pelim 23/06/06



My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06


Advice & opinions provided are personal, and not endorsed by CAG or BAG, 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.

Link to post
Share on other sites
  • 2 weeks later...
Have you PM'd BankFodder to let him know you are registered on this site? As a bank employee you must do so.

*************.This is the kind of thing that prevents helpful people like him from offering their help.


Why the ******** should he let Bankfodder know whether he is a bank employee??


MODERATED: Abusive language

Link to post
Share on other sites
*************.This is the kind of thing that prevents helpful people like him from offering their help.


Why the ******** should he let Bankfodder know whether he is a bank employee??


MODERATED: Abusive language


He should inform BankFodder or dave because it is part of the forum rules.


Also the language I have edited out of your post is completely unacceptable and will not be tolerated - this is also part of the forum rules.


If you do not agree with our rules then I suggest you refrain from using our forum.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Bank employees are only asked to let us know so that we can track where they look.


If you were worried about a claim against say, Abbey and an Abbey employee was looking at your posts where you claimed publically that you were worried and that same employee were checking out your profile etc... wouldn't you want to know about it?


...but, as has been said before, everyone is welcome, bank staff included (and even commended for taking the risk to help, although I wouldn't want to jeoperdise (sp?) anybody's job.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.





Add me as your friend on FaceBook - I need all the friends I can get :-(





Link to post
Share on other sites

thanks for the insight, welcome to the forum bank employee or not lol


Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.


Link to post
Share on other sites

Think we've scared him off!!!



Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p



I have been smoke-free for 4yrs

Link to post
Share on other sites

I have to say that his sentiments were mine at the beginning, i.e. why would you want to know what I was viewing? However, Bank employees can help the site not necessarily by breaching their contracts but by clarifying some things, for example, how to get your statements on time without the frustration of having to call time and time and time again. Have no problem with it

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...