@natwest_help Expert believes customer's signature was forged!!!

[miss money worry]

i told my mortgage lender that my ex had obtained further secured loans without my knowledge and had forged my signature. they said if i was alleging fraud, it was a criminal offense and i needed to report it to the police. so i did. the police came to my house, took a statement,w ere very nice etc, but toled me it was a matter for the lenders internal fraud team to deal with. the police gave the lender the log number etc. now, the lender disagrees and says its the POLICE who have to investigate this. this has been going on for over a year now. its a lot of money, Over £90000 on 3 loans. i dont know what to do. i have posted threads on here in relation to it. just thought i'd get in that it is not always investigates as you'd think it would be once reported!

[DonkeyB]

But not the details of the outcome are here, just that it was 'parties satisfied with the outcome'.

 

Read between the lines!

[Mike_hawk]

Well done phil.

 

Its a shame the bank failed to negotiate sooner, it appears that regardless of how in the wrong they are, they will not back down until the very last minute.

 

Got an email from the OFT yesterday, our case has been passed to their specialist team.

 

Debbie x

 

Hope it all goes well for you Debbie

 

Phil

[Mike_hawk]

This seems like a distant memory...

 

Assuming the case ever existed, and assuming I'd found a couple of cheques from its counsel dated Feb 2012, can I bank 'em or do I ask it to reissue? I need a new car so they'd come in handy about now. I'm sure they'd fall within 6 year limitation rather than any policy the receiving bank has.

[IainHL]

Though I can't quite understand why they weren't banked at the time, what I would do is take good photocopies of them (in case you need to proved their existence once you have let go of them) and bank them using an automated paying in machine (like the Halifax have).

 

My feeling about bank and cheque clearing systems these days is that so much is automated that as long as you can get them into your account without passing the scrutiny of an eagle-eyed teller you should get the money into your account. The most likely point where anything would be spotted is, I feel, the counsel's bean counter when they reconcile that bank accounts.

[Mike_hawk]

Thanks Ian, I think I'll try the auto teller route. Oh and, its a very long and convoluted story

[HP Mum]

Very belatedly I am catching up on this story.

 

Years ago I started following posts on NW - as I have a personal current account that was turned into a Capital Loan and Interest Account without my consent and knowledge.

But life got busy and I have not chased up on the situation with NW.

Is there a template for now dealing with NW on this issue ???

 

NW got a Judgment against me for not paying my current account unsecured overdraft.

Nw tried to get a Charging Order, but failed when I turned up in Court.

I now have to pay Shoosmiths a nominal monthly amount against the Judgment.

As Debbbsy revealed earlier - Consumer Law does not allow post-judgment interest to be applied to Current Accounts. BUT I am STILL getting interest statements from NW. This clearly shows my Current Account isn't a Current Account, but a CL&I Account.

 

I really, really want to get to the bottom of this now.

 

I missed a payment to Shoosmiths recently - by a few days only - and they were so quick to write to me. If I am late again they could just go straight for the jugular ie: a Charging Order again.

I will see if I can find my original thread on here - as I have quite a confusing issue with NW. Clearly due to them hiding the facts !!

 

Would be good to hear how I try to resolve my issue. Anyone ??

Edited November 21, 2013 by HP Mum

[HP Mum]

http://www.consumeractiongroup.co.uk/forum/showthread.php?258751-HP-Mum-v-Nat-West-amp-Shoosmiths-HELP

 

This was my original posting in 2010...