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Hello and good afternoon everybody,
I am new to this site, I have a story to tell to anyone who is interested, my story is true/factual and supported with a tremendous mountain of documentary evidence. I am on the verge of undertaking a private prosecution/lawsuit against Sainsbury's Bank Plc(HBOS), Blair,Oliver and Scott Ltd, Eos Solutions UK Plc, Iqor Debt Recovery Services Ltd and Incasso LLP.
The above-mentioned companies under the instructions of Sainsbury's Bank Plc(HBOS) launched an aggressive, unlawful, and unrellenting campaign of harassment over a protracted period of time (Sixteen and a half consecutive months) that was a torrent of psychological abuse and persecution that caused substantial and irreparable damage and suffering from the unbearable high levels of stress, anxiety, fear, alarm and confusion to my household and me.Sainsbury's Bank Plc(HBOS) falsely claimed to these four debt recovery companies that I owed them money, there was no credit agreement and I did not legally(or otherwise)owe any money to Sainsbury's,and Sainsbury's are refusing to make amends/put things right for the multiple failures from thier multiple departments that caused this unlawful campaign. I used to have an account with Sainsbury's, my wife became ill with multiple sclerosis-secondary progressive I was self-employed and unable to maintain my contracts as I was having to be at home and care for my wife(We have two very young children also) I was unable to make my normal monthly payments to any of our creditors because we were in minus figures as far as income and out goings are concerened, the cccs were unable to act on our behalf as we had no income to deal with. I contacted my father-in-law and asked him if he would be able to borrow any money to help clear our debts(I should add at this point, that my father-in-law was retired, very ill and he had no financial commitments) with out hesitation my father-in-law set about trying to borrow some money, we had contacted all of our creditors from the outsetof our financial crisis and informed them that my father-in-law was going to borrow what ever he could afford to. We asked each creditor if they would please forward a settlement figure to us in-order to bring a satisfactory close to our worsening situation(I say worsening because my wife's health was rapidly declining she was critically ill and there is no cure). We provided medical evidence and disability living allowance documents to all of the creditors as solid proof of our genuine and factual and unforseeable circumstances. All of our creditors excepted between 50% and 70% payments as settlements and closed the account, Sainsbury's Bank Plc(HBOS) encouraged me to send into them a settlement figure of 85%(My debt was £11,714.45 my father-in-law paid them £9,959.83 with the money that he borrowed). The money was sent into Sainsbury's under the agreement that they (Sainsbury's) would consider it as a settlement payment. Sainsbury's Bank Plc(HBOS) paid in the cheque from my father-in-law and then denied to me any knowledge of it being a settlement payment, they (Sainsbury's) did not reject the settlement payment either in writing or verbally to me. I told Sainsbury's that thier behavior was deceitfull and underhand and that they had no legal right to have taken the payment without informing me first of thier (Sainsbury's) intentions (This was in April, May and June of 2007, I discovered in June of 2008 that there is case law on full and final settlements and it is over 402yrs old, this is absolutley rellevent to my case as there are comprehensive comparables that my case can rely on from all that has been established in these 402yrs by the law courts of this England). Instead of responding to my telephoned and written complaints, Sainsbury's passed my details to four debt recovery companies and falsley claimed that I owed money to them (Sainsbury's) on an account that I did not recognize(Sainsbury's had set up another account in my name and had taken the balance from my only and original account after my settlement payment and told these other companies that I had run up a bill of £1,757.00 and that I was refusing to pay). I disputed this debt with all four of these companies and each one of them ignored my disputes stating to me that Sainsbury's say you have not made any payment to this account and they (Sainsbury's) can not find any record of any settlement payment that you claim you made with them, these four companies told me to prove that I had made a settlement payment and untill I do they would continue pursuing me as thier client Sainsbury's had instructed them to. Sainsbury's have destroyed, ruined and stolen away from us as a family all of the months of time that elasped during the said unlawful campaign, I do not accept thier (Sainsbury's and the four other companies) behavior, I find it intollerable and unacceptable,the actions taken against my household and me are unlawful and I intend on having my case herd in the law courts of this England in-order to see that justice is done and that a solid bench mark foundation is put in place that will inform creditors that operating out side of guidelines, codes and the law will not be accepted now or ever. I hope to see that the book or books are thrown at Sainsbury's Bank Plc(HBOS) and all four of the debt recovery companies involved in my case by the residing judge. Has anyone else suffered from an unlawful campaign by any of the companies that are mentioned here, if so please let me know or is there anyone out there who would like to comment on what I have written here. Many Thanks Godzilla.
I am new to this site, I have a story to tell to anyone who is interested, my story is true/factual and supported with a tremendous mountain of documentary evidence. I am on the verge of undertaking a private prosecution/lawsuit against Sainsbury's Bank Plc(HBOS), Blair,Oliver and Scott Ltd, Eos Solutions UK Plc, Iqor Debt Recovery Services Ltd and Incasso LLP.
The above-mentioned companies under the instructions of Sainsbury's Bank Plc(HBOS) launched an aggressive, unlawful, and unrellenting campaign of harassment over a protracted period of time (Sixteen and a half consecutive months) that was a torrent of psychological abuse and persecution that caused substantial and irreparable damage and suffering from the unbearable high levels of stress, anxiety, fear, alarm and confusion to my household and me.Sainsbury's Bank Plc(HBOS) falsely claimed to these four debt recovery companies that I owed them money, there was no credit agreement and I did not legally(or otherwise)owe any money to Sainsbury's,and Sainsbury's are refusing to make amends/put things right for the multiple failures from thier multiple departments that caused this unlawful campaign. I used to have an account with Sainsbury's, my wife became ill with multiple sclerosis-secondary progressive I was self-employed and unable to maintain my contracts as I was having to be at home and care for my wife(We have two very young children also) I was unable to make my normal monthly payments to any of our creditors because we were in minus figures as far as income and out goings are concerened, the cccs were unable to act on our behalf as we had no income to deal with. I contacted my father-in-law and asked him if he would be able to borrow any money to help clear our debts(I should add at this point, that my father-in-law was retired, very ill and he had no financial commitments) with out hesitation my father-in-law set about trying to borrow some money, we had contacted all of our creditors from the outsetof our financial crisis and informed them that my father-in-law was going to borrow what ever he could afford to. We asked each creditor if they would please forward a settlement figure to us in-order to bring a satisfactory close to our worsening situation(I say worsening because my wife's health was rapidly declining she was critically ill and there is no cure). We provided medical evidence and disability living allowance documents to all of the creditors as solid proof of our genuine and factual and unforseeable circumstances. All of our creditors excepted between 50% and 70% payments as settlements and closed the account, Sainsbury's Bank Plc(HBOS) encouraged me to send into them a settlement figure of 85%(My debt was £11,714.45 my father-in-law paid them £9,959.83 with the money that he borrowed). The money was sent into Sainsbury's under the agreement that they (Sainsbury's) would consider it as a settlement payment. Sainsbury's Bank Plc(HBOS) paid in the cheque from my father-in-law and then denied to me any knowledge of it being a settlement payment, they (Sainsbury's) did not reject the settlement payment either in writing or verbally to me. I told Sainsbury's that thier behavior was deceitfull and underhand and that they had no legal right to have taken the payment without informing me first of thier (Sainsbury's) intentions (This was in April, May and June of 2007, I discovered in June of 2008 that there is case law on full and final settlements and it is over 402yrs old, this is absolutley rellevent to my case as there are comprehensive comparables that my case can rely on from all that has been established in these 402yrs by the law courts of this England). Instead of responding to my telephoned and written complaints, Sainsbury's passed my details to four debt recovery companies and falsley claimed that I owed money to them (Sainsbury's) on an account that I did not recognize(Sainsbury's had set up another account in my name and had taken the balance from my only and original account after my settlement payment and told these other companies that I had run up a bill of £1,757.00 and that I was refusing to pay). I disputed this debt with all four of these companies and each one of them ignored my disputes stating to me that Sainsbury's say you have not made any payment to this account and they (Sainsbury's) can not find any record of any settlement payment that you claim you made with them, these four companies told me to prove that I had made a settlement payment and untill I do they would continue pursuing me as thier client Sainsbury's had instructed them to. Sainsbury's have destroyed, ruined and stolen away from us as a family all of the months of time that elasped during the said unlawful campaign, I do not accept thier (Sainsbury's and the four other companies) behavior, I find it intollerable and unacceptable,the actions taken against my household and me are unlawful and I intend on having my case herd in the law courts of this England in-order to see that justice is done and that a solid bench mark foundation is put in place that will inform creditors that operating out side of guidelines, codes and the law will not be accepted now or ever. I hope to see that the book or books are thrown at Sainsbury's Bank Plc(HBOS) and all four of the debt recovery companies involved in my case by the residing judge. Has anyone else suffered from an unlawful campaign by any of the companies that are mentioned here, if so please let me know or is there anyone out there who would like to comment on what I have written here. Many Thanks Godzilla.
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