Hi everyone, I've been reading through a few posts on here regards several Cabot cases and would like a little bit of advice relating to my mums situation. I'm looking after this for her as she has just come out of hospital with heart problems and I really don't want the stress of her worrying. On Wednesday she received a county court claim form from the county court business centre. The claimant is listed as Cabot Financial (UK) Limited 1 kings Hill Avenue Kings Hill and the address for sending documents and payments is Shoosmiths LLP The Lakes Northampton The particulars of claim are 1. the claimant claims the sum of 589.45 being monies due from the defendant to the claimant under a regulated agreement between the defendant and Bank of S (5193 XXXX XXXX XXXX) and assigned to the claimant on 29/4/2010, notice of which has been provided to the defendant. 2. The defendant has failed to make payment i accordance with the terms of the agreement and a default notice has been served persuant to the Consumer Credit Act 1974. 3. The claimant claims the sum of 589.45 and costs. 4. The claimant has complied, as far as is n the pre-atcion conduct practice direction. Number This was issued on the 18th July. Yesterday she received a letter dated the 21st July from Shoosmiths LLP that said We write to confirm that we have received Notice of Issue from County Court Business Centre confirming our client will be at liberty to request judgement against you on 5th August 2014. We would remind you that once this step is taken you will have a County Court Judgement registered against your name. This will have an adverse effect upon your credit rating. As previously stated our client will not refrain from entering judgement on the basis of instalment payments and requires a lump sum settlement of the debt. We would invite you to consider your financial circumstances and should you be in a position to offer such a lump sum to our client then please contact our office on 03700 *******. If you contact us on the above number with confirmation that you will be in a position to make a lump sum payment to our client it may be that our client will be minded to give you a further short period prior to requesting judgement to make the payment. We would remind you that it is strongly in your interests to make payment as soon as possible to potentially obtain a discount on the figure outstanding and to avoid further fixed costs which will be added to the debt. Should you have any queries in relation to the contents of this letter then we would urge you to contact a local solicior, your local Citizens Advice Bureau, or other advisory service. Yours faithfully Shoosmiths LLP Solicitors. I've spoken with my mum about this, she has never heard of these solicitors, nor has she spoken with anyone regarding making payments. Could someone please help me as to what I should do. From reading the other posts am i correct in thinking that I should file an acknowledgement of service with the court. And then request information from Cabot or Shoosmiths to show that they actually own the debt? Thanks in advance for any help James

I am currently an NRAM account holder, with a together mortgage comprising a £98,000 mortgage and £18,000 unsecured loan. I have not missed any payments or been late, but I have breached my mortgage t & cs by letting the property without their consent. I asked for it and they refused, back while they were still Northern Rock. I have already posted about this so I won't go into the same details here; only to set the background for this post. I am concerned with the fact since their recent government directive to get the 'bad' debts off their books they are working on a different incentive basis than other mortgage companies. NRAM need to make anything over 10p to the £ to get a profit, (for that is how much of the value was passed on to them) so they do not have the same aversion to instigating repossessions as other lenders do, not to mention complete disregard of the cost to the individual or business. My issue is not with the fact I do not want to pay what I owe, nor with my poor decision of getting this mortgage in the first place. I accept that and have been paying without fail for 9 years. So when they find me in breach of my mortgage terms & conditions their aim will be to instigate a repossession. Not to reach a solution that is best for me and them, in regard to maximizing their profit. Not being driven by this fact, like other mortgage lenders, puts all NRAM account holders in an extremely vulnerable position. The goal and they want us off their books, that and nothing else. Irrespective of whether this was a good or bad mortgage, the terms and conditions on their part, and the expectations on my part, made by signing with Northern Rock, a mortgage company in 2007, are not the ones I'm faced with now. I am not trying to justify the fact that I have broken my terms, or shirk my responsibility for the choice of mortgage and money owed. But to say that when I took out the mortgage, I was under the (mistaken) expectation that I would forever be dealing with mortgage lender, with all the common incentives that come with that; I want to keep my house, they want to get their money back. That I fear is not the case anymore. We are now simply numbers on a spreadsheet and the odds are stacked. There is nothing right or fair about this; and plenty of other NRAM account holders are facing starker and greater financial issues than me. Many are castigated for their choice in the first place, which is not only unhelpful, but in my opinion missing the point. No one is asking for special treatment than any other person who holds a mortgage. But we bought a product with the expectations that we would have the same benefits afforded to all mortgage holders for the life of that product. NRAM are not a mortgage provider. They are an organization that hold 'bad" debt. Equally I have an issue with the term "bad" for there are plenty like me, who have never defaulted but will be faced with repossession on other reasons. They are bad, because they want to get rid of us and shut NRAM down. By no longer requiring NRAM, a continued reminder of a massive economic disaster, the economic policy will be hailed as a success and the bad old days behind us. Whereas other mortgage companies would help people if they got into temporary difficulties NRAM will not, causing the debt to therefore be "bad". Being the contributor, if not, the instigator, of this viscious circle gets them their favored result much quicker - sell the debt to management company, still make a profit and get it off their balance sheet - success.. All I would like is to be treated the same as any other mortgage provider would. I heard today of various people wanting to bring together a group of account holders who wish to fight NRAM and their practices, 100 is the minimum required. I have signed up. It is being led by bank specialist who is willing to fight it on the behalf of the group for free if we can get enough NRAM customers on board. If you are interested please let me know and I'll pass your details on to him.

Hi all. I posted an item by next day delivery to an ebay buyer using Parcel Monkey and delivered by Citylink. I paid extra for compensation up to £300, as the item sold for £262 including delivery. The ebay buyer claimed that they received an empty box within a few minutes of signing for the item. They opened a claim through ebay for an item significantly not as described, got a crime reference number using the Action Fraud website and won the case. From day one of the buyer contacting me I was in contact with Citylink using the number on the Parcel Monkey website, and the person I was speaking to stated that they worked at Citylink dealing with Parcel Monkey issues/claims. They opened an investigation into the missing item at the Birmingham depot where the item was to be delivered from. After a while they came back to me stating that they had interviewed the driver and he had stated that the item was signed for, weighed a significant amount and the contents of the box had not been found at the depot. When I booked the delivery the parcel weighed 9kg. By the time it had got to my local depot Basingstoke according to them it weighed 5kg. So already there was a discrepancy of 4kg. Anyway, all of this took time to conclude. Once this had concluded the person I was in contact with from Citylink referred me back to Parcel Monkey to open a claim. At this point Parcel Monkey replied stating the following: 'Clause 5 provides that all damaged claims must be reported to Parcel Monkey within 3 working days from the scheduled delivery date. Our records indicate that your shipment was delivered by Parcel Monkey on the 29th of May 2014 and that your first notification to Parcel Monkey was on the 12th of June 2014' After a bit of me arguing my point about being led to believe that a claim was underway and that the investigation naturally took time I then contacted them again stating that I would be looking to take them to the small claims court. I used the following from the OFT to try and persuade them to reimburse me: 'I believe that these terms are unfair and I refer to section 2.4.2 of the Office of fair trading’s Unfair Contract Terms Guidance which states: ‘The OFT is likely to object to a term that frees the supplier from his responsibilities towards the consumer where the consumer does not make a complaint immediately or within an unduly short period of time. This applies particularly where: (a) a time limit is so short that ordinary persons could easily miss it through mere inadvertence, or because of circumstances outside their control, and (b)faults for which the supplier is responsible which could only become apparent after a time limit has expired.’ After sending them this they replied that in light of this they would review my claim and get back to me. After chasing them up they have still denied my claim, but this time not stated any reasons for doing so. I believe that the next step would be to take them to the small claims court based on the above OFT guidelines. However, I need to know if I'm completely wrong as I really don't know what I'm doing with all this! Many thanks for any help, and sorry for the long winded and badly worded post!

I need a little advice please, my step daughter has just rented a new flat. After moving in the Agent said "are you wanting to stay here more than 12 months?" she replied I would like to. The agent said "because there will be a £95 renewal fee and we can take it out of your deposit you paid " I thought that this was illegal to take money from a deposit, isnt it supposed to be lodged with an independent company and only payable after the SHT has ended.... I will be grateful for any advice please.

My ESA was stopped after I had a medical assessment with atos. Finally after over a year, I have won my tribunal and I want to sue atos for stopping my esa when it was clear that I was not fit for work. Can anybody advise me how to go about it please?

Hello My sister in law requires some advice and I don't really know where to go with it. She was in work and her daughter was in nursery. Out of the blue she was sacked from the small company she worked for as she worked part time and they wanted someone to do full time. Therefore she had to take her daughter out of nursery. Speaking with the manager of the nursery she explained she is in financial hardship and on the verge of losing her house and having just been sacked did not have the finances to keep her daughter in nursery (£300 a month). The manager said that she had to pay and give 4 weeks notice which is in her terms and conditions. Although my SIL appreciates this it was a case of not physically having this money - you can't give what you haven't got. The manager just said, 'tough you have to pay' and then went on to say as it was the 8th of the month not the start of the month that she would have to pay the remainder of the month plus the following month so that it was a full months notice. This is clearly pathetic and cruel having just disclosed problems with finances. This was 8 weeks ago. My SIL has since been out of work, has had to sell her house and could not afford the home they had moved into to save money and were renting. Her partner does work but they have got other debts looming over their heads due to the tenant at the house they owned stopped paying the rent and then would not move out so they had to pay their mortgage too for 6 months before they could sell it. They have now had to move with their 2 kids into their parents house. She has had a letter at the old house delivered and it appears to be a court 'claim form' one of these £35 fee ones claiming for the entire month that the daughter was taken out of nursery. I know that their T&C states need to give 4 weeks notice, but she was not in nursery during this time, they were told that she was going through financial difficulties and yet they were not happy to come to any kind of agreement and want her to pay the full amount. They would not even engage in any other discussion other than 'you have to pay' and 'you might even have to pay 2 months worth' Does she have any rights? does she have to pay this money? Can the nursery enforce their T&C? Even if my SIL was taken to court and ordered to pay the money, she does not have £300 and it would take her a while to save this up. So what would happen here? Please someone help

hi, any help would be grateful. arrow county courted me, i admitted part of the claim, i asked for copies of original agreement, deed of assignment, deed of novation. hey sent me copy of application form . statement of the account, agreement terms and conditions. they say as my defence is based on financial difficulties, they do not consider my request to be proportionate or relevent to the issue in the case, and therefore my request for documentation is refused. its before district judge on 9 july

Okay - I'll try and keep this simple to avoid boring people. In 2011 I returned home from a tour of Afghanistan. I was greeted with some letters from O2. I called up the customer service team explaining I didn't have a clue what was going on. I was promised that this would be looked into, and they would get back to me. They never did. I assumed it was over and done with. From that date letters from a load of debt collection agencies came to my mothers address (I lived on an Army camp). I assumed this was spam and never followed it up. Then in 2013 I got a letter from issuing a county court summons. I went online and spoke to O2. They said they were still looking into it. Promised me it was nothing to worry about... And said they would get back to me. Again this never happened, but this time I kept screen shots of the online conversation. When I passed this information on to the debt collection agency they discontinued the claim. Again I thought it was over. Recently me and my partner have applied for a mortgage. All 25% saved. Got rejected... Checked my credit file and found there were 3 defaults from debt collection agencies (namely Lowell, and Cabot financial). I call them and they say that it was with regards to O2 debts. I explain the situation they I never had an O2 phone. I have been with Vodafone for years... Then I called up O2. I spoke to someone from the "fraud department". Possibly the rudest lady I have ever spoken to. Luckily I used my iPhone to record this. She stated it looked like someone I know had opened the accounts. .. Said this was not the type of fraud they were interested in. I offered her a crime reference number, she said she was not interested. I asked what I could do, and was told I should just pay they money even if it was not mine. I have now emailed the CEO of O2. I've also emailed there complaints department. The debt companies say they can't remove the defaults unless O2 agree. From a quick google, is seems like county court action is the only option. I can't not buy a house for another 3 years (before it will drop off). I can't get a mortgage with this information. Any advice?

Just a quick question, Amazon owe me $3000 for sales of a book I have on the kindle store. Basically they have paid on time in the past but they say an error has occured and I have been chasing this money for 6 weeks now and just keep getting fobbed off. People buy the paperback version also so I don't rely on these sales as a sole income. I am going to give them more time to sort this out but don't want my book on the store for them to make a profit and me get nothing as I feel I am getting nowhere. This months payment has not been paid either. I am based here in the U.K and the sales are from the U.S, quick question if I pulled my book could I take them to court or not for the money owed or put pressure in any other way as it is like talking to a brick wall at the minute with generic replies.

Hi. I've used CAG before and got great advice and hope you can help again please. I think Im about to lose my home. The mortgage is with Santander and the mortgage is in my husbands name. My husband is self employed and his contract finished last August 2011 and hasn't been able to find work since. Ive managed to find a full time job but my income isn't enough to cover all our debits so Im having to deal with these too. My husband has a history of stress / depression and I've only just become aware of how serious matters had become with the mortgage company. When I started work we offered Santander £250per month instead of our contractual payment of £650 per month. We had already missed about 3 mortgage payments by this point. We paid the £250 per month, however Santander continued to chase for the money. When we explained the situation to them, their response was "well you can continue to pay £250 however it will do no good" (nice!). My husband stopped paying the money. H&L Interactive have issued a Repossession Order and my husband is due in court on Friday 27th July. Last week I spoke to H&L Interactive to find out if we (my husband) could change from repayment mortgage to interest only - however I've been chasing H&L Interactive for a reply and they told me today it can take a couple of weeks for Santander to response - even though the court case is this week. In addition, I emailed H&L as we've had an offer from a family member to help pay the arrears if Santander can come to some affordable agreement plan. Also, Im waiting to hear how much we will get in working tax credits. We've had an estimate and if we get that amount we can pay our full contractual mortgage. We've sent budget sheets to H&L showing what we can 'realistically' pay and stick to - which happens to be the £250 mark. Now that Im aware of the situation Im managing it all for my husband. I don't know what to do next??? I've got to prepare a Defence and I'd like to put together something that basically says its not a case of we can pay but don't - we can only afford to pay £££ until my husband returns to work. Thankfully he's got an interview today - Wednesday 25th - so fingers crossed! The pay isn't great but better than nothing I know! I don't want to lose my home and hope the situation isn't too far to get back from. Can anyone help either advice or what to put in the defence. I've never been to court and know it will be down to me to try and keep our home - but up against Santander solicitors its all a bit dauting. Much appreciated. x

I set up a standing order to pay someone £120 every 28th of the month. In January, they took out the money on 24th of the month instead, after getting charged for being overdrawn and calling them twice, they told me I had set up the standing order for the last friday of the month, and not the 28th of every month. The last Friday of January was 31st!, I told them this and they put me on hold, and then came back and avoided answering it. I told them I had my online banking on the screen and I can see it is set for the 28th, yet they just "good will" refunded, and asured me it wouldn't happen again.... Well it happened again, today, (25th), I'm overdrawn by £80 thus will get charged for it again. I don't wish to spend another 40 minutes of my mobile minutes calling them again, how should I go about reclaiming the charge, and my costs for all of this (an hour was spent on the phone last time this happened).

Hello I'm sure anyone reading this knows the drill, I logged on to legalcare 1 lunchtime at work and signed up for the 14 day free trial (foolishly using my real name/contact details). I asked a question and got a bland generic response. I immediately cancelled my paypal payment realising they were a waste of time. After the 14 days I received an email saying they couldn't take my payment so I had to contact them. I went to log in to the site to cancel the subscription and couldn't - you can only enter if you add payment details. Since then I've had numerous emails, texts, calls and letters from Daniel Silverman all of which I've ignored. (Initially because I didn't remember that I'd idiotically added my real address). Today I've had an email threatening court action and adding £85 to the fees. Reading other threads it looks as if I don't have a leg to stand on as it's clear on the website that cancelling paypal isn't adequate. I don't want to pay them a penny as they seem to be a [problem] outfit and my instinct is to call their bluff. That said I really don't need the stress and not sure whether at this point I should remain silent and work through the court process or call and start negotiations? Please help!

I have just had a visit from a Bailiff without 7 days notice of visit. I did not open the door and spoke to him via a closed window. The debt is from 2011 and is council tax, Despite several attempts to set up a payment arrangement with the council it has come to this. My question is, the car I drive is registered to my mother in law at my current address (she lives elsewhere) and this is because she paid for the car and until we have paid her back its in her name. Is the bailiff allowed to take this car even with proof of the logbook saying it is in her name? Thanks

Please bare with me as I am new to this. Daughter born oct 1997 lives with her mum PWC. paid £40 cash weekly to her mum as we had a friendly and amicable relationship. Saw daughter most days and had her overnight twice a week. met my new partner in 2003, had our first child in nov 2004. she is from Cardiff so moved here when her mother was ill and eventually died in April 2005... continued to pay child support and visit every other week until July 2005 when her mother said I could have no access and didn't want a penny etc. my new partner continued to see my daughter in order to keep a relationship with he new brother until june 2008. Also another ex partner insisted I was her child's parent, I contested this due to casual relationship and other factors. I asked for a DNA test and this PWC refused and I heard no more of this... UNTIL in Feb 2011 I all of a sudden get an AOE .... for both cases! I lost my job in June 2011.... Money was taken from my benefits. I started a new job in October 2012 and was paying the csa once again. I have 4 children with my partner I've been with 12 years. We had to send birth certificates to the csa to prove they existed.... they lost them, but they did send us a giro for £18. My second child is deaf and registered disabled. Thought I should note this. The CSA have always had my address and work details...I have always co-operated. I have now earn £1233 after tax and recieved a letter this morning saying an attachment has been sent to my employer, I apparently owe £11,000 in arrears and they will take £453 a month for child support and arrears payments. I am fully aware that I should be paying child support, like I said ive never hidden or refused to pay and always sent wage slips, change of circumstances and proof of my other children etc But £450 a month will mean I cannot meet the costs of other commitments and essentials. It costs me £50 a week to get to work! I have the letter if anyone that can help would like to see etc. my protected income is £690 If ive missed something I apologise and would appreciate any help.

We need to have this act repealed. By we I mean CAG, MSE, TPUC, PePiPoo members all need to unit and organise to repeal this abusive piece of legislation. Cameron states he only wants a 100,000 signatures to look at a law. Lets give him a million signatures with as much social network pressure as we can mount to force the corporate controlled press to take up the issue. What do you CAG members think?

Hi, hope somebody can help. My husband gave his notice, which was a month, but as he had 8 days holiday left the Employer agreed to take this off his notice. So instead of his final working day being on 10th April his last day was actually 31st March. He got paid his full month's wages on 1st April and has received his P45 (only partially filled in but that is another story!) but has not been paid for the 8 days holiday/notice. Can someone please confirm that we are correct in assuming they have to pay him for the outstanding 8 days? Any help would be brilliant. Thanks in advance.

I have just received an email from the Ministry of Justice to confirm that the long awaited Taking Control of Goods Regulations 2014 have been laid in Parliament this morning. This is the second set of Regulations which will underpin the Government's package of reforms to bailiff laws. The first set of Regulations, The Taking Control of Goods Regulations 2013 sets out the procedure that enforcement agents must follow when taking control of goods and were laid in Parliament on 30th July last year. The third and final set of Regulations will follow shortly and will focus on the requirements an individual must meet before they are granted a certificate to work as an enforcement agent. All three sets of Regulations will be implemented on the 6th April 2014. The link to the news Regulations can be read here: http://www.legislation.gov.uk/uksi/2014/1/made

Went to withdraw some money today, only to find out did not have enough funds in my bank account, on looking I see a charge of £20, first of all I think whats this for, never been overdrawn So I get home, go-online and check my statements, and find that sometime in Jan 2011 I was overdrawn by 15p, but the next day my tax credits were in my account, and brought me back under my overdraft limit When I used my card back in jan 2011, I had an idea, my account balance was low, and would just have enough money in my account for the purchase, but at the same time expected it to be declined if there wasnt enough funds How does the decline system work, if it a few pence does it allow the transaction to go through, but if a few pound decline it I have even asked the bank to refund the charge, as I believe the transaction should have been declined

Hi. I asked for about £225 from BOS for £12 late payment charges on a credit card from around 2010 back from BOS. They refused. I added interest and issued county court papers in December. They are defending the claim. We have to exchange court bundles by Monday. I had theirs this morning and have just about finished mine. A firm called SCM solicitors have been dealing with the matter. What I am wondering is does anybody think they will deal before court baring in mind it's only 20 days away, will they turn up? Is it worth calling them and asking for a deal? They also state they want all their costs back. I closed the account in 2011 btw. I ask because I'm a very nervous person and dreading court. I'm not sleeping and wish I hadn't started now. Any thoughts appreciated

I've spent about 5 hours devouring the success stories, and I'm feeling bouyant about starting claims. It does seem a bit daunting though. All my life I've turned down payment protection, gambling that I wouldn't become ill, and that I wouldn't be out of work for long if I lost my job. I'm curious about the sneaky PPI payments that I may have unwittingly been paying. How likely is a successful claim? I had a £25k mortgage with Alliance and Leics from 1987 to 2007 with an endowment that is yet to mature. Then a £46k mortgage from 1989, topped up to £95 in 1991 (still going) And a £59k mortgage from 1991, topped up to £100k in 2000 (still going) And a £137k mortgage in 2002 (still going) And a £200k mortgage in 2004 (still going) My head spins as to what lenders have been involved...BofS, RBofS, LLoyds, Halifax, Natwest, Woolwich, and possibly some more. Bank account with RBofS since 1988. I had an MBNA credit card in the late 90s, I declined PPI. I've had a Natwest credit card since 2000, I declined PPI. Barclays loan 2005 £14k, a year to go, I declined PPI. in 2012 it was rejigged when I paid £1k off and requested a shorter term. So who do I tackle first? SARS for the older ones, or perhaps I should just SARS every high st bank! Pensions? Car insurance, house insurance - are they under the 'worthy of a claim' umbrella?

Hi there, I'm desperate for some help as P2P are attacking my bank balance and I have no idea what to do. I took an initial loan for £800 which I paid back over a year. I needed a new car last year and took another loan, this time for £1000. I kept up repayments but then lost my job in December and couldn't afford to pay them. Despite being in a new job, I still can't afford to pay them. I took the loan believing I could pay them back as I did last time, but after losing my job through mental health issues and a 20k drop in wages at my new job, this is no longer the case. Usually, they would take a single payment of £158 on the 4th of each month. They insist I make the payments and when I told them I couldn't, they just took money anyway. In the last 3 days, they have taken the following amounts: 17.00 32.02 11.90 23.82 17.00 119.07 34.01 They have also contacted my previous employer by email with details of how much I have defaulted, how much the loan was for, how much is left to pay etc. I was mortified, particularly as I work in the financial industry. The only way I can think to sort this is to tell my bank I've lost my card so they cancel it, or is there another way to stop them? Even if I move the money out of my current, they are still charging the account so when I move the money back, it's swallowed up. I have no idea what to do. I'm paid weekly now and P2P have just taken 1/3 of my rent money. Any help would be truly appreciated, I'm at my wits end.

hi all new to this hope some one can help i am a builder and i fitted a kitchen last year in which my customer paid for the kitchen on his credit card to the company i have a trade card with getting him a big discount i now have a letter saying i owe 4707 pounds because he and reversed his payment my trade account was only ever a cash account hence why he paid for it i am now left with the bill 1. how can he do this its been 6 months since payment 2. what do i do now 3. do i own the kitchen as hes not paid for it 4. if i own it can i go get it

Hi. I'm new to the forum. I just need some advice. I am in the process of taking NPower to court because of billing mistakes for several years. I started the claim in May 2013. I was already awarded judgement in August due to NPwer not returning their defence in time. However, they successfully applied to the court to have it reversed. The same thing happened when they did not return the Directions Questionnaire in time. The court gave them another week to file it. (Which they did) Three weeks ago, I received a letter from the court to say that the case had been struck out. I was fuming after all this time. I applied to the court to have the case re-instated, and I have been given a 20 minute court date for the end of January. My main questions are, what happens at the court? do I need to take anything with me, and what will the judge expect me to say or do. Will NPwer be at this Application Hearing? As you can tell, I have never done anything like this before. I would appreciate any advice. Thank you.

hi there i had a payday in august 2013 for 250 pounds, couldnt make the payment the next month so just paid the interest which was around 50 poounds , the same next month and up until nov 2013. in december i assumed that they had taken the interest rate again like they did in aug, sep, oct, nov, but i didnt have money in my account for them to do this ( i was unaware of this). anyway today jan 2014 they have gone into my account without my approval and taken out 5 different sums adding up to 222 pounds(probably would have taken more if there was mmore to take) so i rang the bank and they asked if i had a loan of CASH GENIE in which i replied yes. The lloyds representative on the phone said that i had better ring cash genie then as i had dealt with them before it was my fault. i rang cash genie and they basically said i owe them the money so they had every right to take it Question is is there anything i can do to get my money back from the bank? surely they should of stopped the transactions? especially when there were 5 for varying amounts? cheers in advance

Seasons greetings All, I am looking for help from anybody who has taken the above entity to court. I have a number of issues that they are guilty of and have a counterclaim in place for the possession order that they have issued. In essence they have been overcharging me on my mortgage for several years and refused to give me the money back and instead credited it to my account instead:mad2:. Please looking for legal advice and means to structure possible criminal charges too. many thanks . Still Fighting