RBS CCA request refused due to CCJ

[paulwlton]

Penfold,

 

The only reason I did this was because of you!!

 

At least you got a reply. I thought they were going to do a thorough investigation. Didn't this happen?

 

D & D

 

I have no doubt your MP will be forwarding a letter to Sir Tom on your behalf. The bank cannot ignore letters from MPs. Alarm bells will definitely start to ring at head office.

 

Paul

[Penfold92]

Your a star Penfold

 

Good luck on the 13th. We are in Court on the 16th!

 

 

Always happy to support! Good luck to you too

[DandD]

Hey Paul

 

Tried to send you a PM,But you have 'exceeded your quota'.

 

Toooo popular!!

 

Maybe you can delete some of the old ones?

 

D & D

[paulwlton]

Hey Paul

 

Tried to send you a PM,But you have 'exceeded your quota'.

 

Toooo popular!!

 

Maybe you can delete some of the old ones?

 

D & D

 

 

Cleared.

[car2403]

I have no doubt your MP will be forwarding a letter to Sir Tom on your behalf. The bank cannot ignore letters from MPs. Alarm bells will definitely start to ring at head office.

 

Paul

 

That will be the "Paul Walton Red Alert" alarm bell that has been installed, then?

 

[DandD]

Had a letter back from Sir Fred's office today.

 

It is word for word exactly the same as Penfolds! They must get a few of these.

 

Let's see what they come back with after their 'thorough investigation'!

 

D&D

 

Here's a scan of the Sir Fred letter

 

 

http://i288.photobucket.com/albums/ll187/DandD_2008/LetterFromSirFred1.jpg

[Penfold92]

Exactly the same letter I got at first, except different person signed it...

 

Let's see what their "full briefing" throws up then

 

Penfold

[DandD]

this maybe a silly question, but if we have received a letter fom the bank marked 'Private and Confidential'. Would it be foolish to post it here?

 

We really want to show you all what's going on.

 

D & D

[paulwlton]

this maybe a silly question, but if we have received a letter fom the bank marked 'Private and Confidential'. Would it be foolish to post it here?

 

We really want to show you all what's going on.

 

D & D

 

That is entirley up to you.

[DandD]

Got another question.

 

We had 5 accounts with the bank. Mrs D had a Personal Current and I had a Personal Current, all the rest were Joint accounts.

 

The CCJ's were issued seperatley, 2 different claim numbers and slightly different amounts.

 

The CO's are also for slightly different amounts.

 

Does this mean that we owe each amount seperate to each other or are they joint debts?

 

If they are seperate they've just doubled the debt.

 

Thanks

 

D & D

[paulwlton]

Got another question.

 

We had 5 accounts with the bank. Mrs D had a Personal Current and I had a Personal Current, all the rest were Joint accounts.

 

The CCJ's were issued seperatley, 2 different claim numbers and slightly different amounts.

 

The CO's are also for slightly different amounts.

 

Does this mean that we owe each amount seperate to each other or are they joint debts?

 

If they are seperate they've just doubled the debt.

 

Thanks

 

D & D

 

Have you retained the paperwork from the judgments.?

[DandD]

Originally Posted by DandD

Got another question.

 

We had 5 accounts with the bank. Mrs D had a Personal Current and I had a Personal Current, all the rest were Joint accounts.

 

The CCJ's were issued seperatley, 2 different claim numbers and slightly different amounts.

 

The CO's are also for slightly different amounts.

 

Does this mean that we owe each amount seperate to each other or are they joint debts?

 

If they are seperate they've just doubled the debt.

 

Thanks

 

D & D

Have you retained the paperwork from the judgments.?

 

Indeed we have

[Penfold92]

sounds like they are different after all they cannot issue two claims for the same debt....can they?

[DandD]

sounds like they are different after all they cannot issue two claims for the same debt....can they?

 

The trouble is Penfold, that 4 of the account numbers in the 'particulars of claim' are the same on both. The only difference is our Personal Current Accounts.

 

D

[Penfold92]

Surely they cannot have claimed 4 accounts twice? Mind you this is RBOS we are talking about...

[paulwlton]

The trouble is Penfold, that 4 of the account numbers in the 'particulars of claim' are the same on both. The only difference is our Personal Current Accounts.

 

D

 

In that case it seems like they've obtained a similar amount twice on both judgments. How appropriate, that is really adding value to the bottom line - to quote their own internal memo.

[davefirewalker]

Theyre probably using "joint and severable"......ie they can get the money from either...or both (depends on who owns or has whatever money/property) they will only take what is owed...not double (unless they think they can get away with it )

 

I was in business in the late eighties and it went belly up. we had a £20,000 overdraft. I put the company into voluntary liquidation (we had no debts apart from tax and the bank) my fellow director did a bunk and I got landed with the whole amount not 50% as you would imagine.

 

Dave

Edited May 27, 2008 by davefirewalker

[paulwlton]

Theyre probably using "joint and severable"......ie they can get the money from either...or both (depends on who owns or has whatever money/property) they will only take what is owed...not double (unless they think they can get away with it )

 

Dave

 

I assume this would be stated in the judgment?

[DandD]

Theyre probably using "joint and severable"......ie they can get the money from either...or both (depends on who owns or has whatever money/property) they will only take what is owed...not double (unless they think they can get away with it )

 

Dave

 

 

Dave

 

This is what I thought. But I've checked through all the court docs and it doesn't mention 'Joint and Several' anywhere. Also, it doesn't mention my name on any of Mrs D's docs or her name on any of my docs.

 

So technically, these must be 2 different debts. I think!!

 

D

[davefirewalker]

Dave

 

This is what I thought. But I've checked through all the court docs and it doesn't mention 'Joint and Several' anywhere. Also, it doesn't mention my name on any of Mrs D's docs or her name on any of my docs.

 

So technically, these must be 2 different debts. I think!!

 

D

 

Hmmmmmmm

 

sounds like more dodgy dealing or the "F" word to me

 

Dave

[paulwlton]

I assume both judgments are under different claim numbers?

[DandD]

I assume both judgments are under different claim numbers?

 

 

Hi Paul,

 

 

Yep, 2 different numbers. same day, same court, but the digits are 1 different.

 

D

[paulwlton]

Hi Paul,

 

 

Yep, 2 different numbers. same day, same court, but the digits are 1 different.

 

D

 

Well imo these are two separate claims with two separate amounts, i may be wrong, but then again this is RBS.

 

Paul

[Penfold92]

and they thought the bank charges cases were bad...wait till they get hit by fraud, dodgy dealings, processing subject data without permission and sharing info with third parties by 3 or 4 million people...LOL

 

Banks will close up and move country me thinks...

[DandD]

thanks all

 

It now seems clear that the bank are either incompetent or just gits....probably both!

 

Anyway, here is a copy of the 2nd letter that we have had after our S.A.R.

 

We are just composing a letter to send to them. We'll post it here first for your thoughts in about 30 minutes.....