Sainsbury's Bank Plc(HBOS) And Four Debt Collection Companies Against An Individual

[tomterm8]

Re: Sainsbury's Bank Plc(HBOS) And Four Debt Collection Companies Against An Individu

The financial Ombudsman service is not an option, because they (FOS) cannot enforce the law and I am not in a financial dispute with Sainsbury's.
.

The financial ombudsman is a legally constituted tribuneral, their judgement is enforceable by law against a creditor, although it is not binding on the customer. it is important to realise that they are exercising a judicial jurisdiction under the consumer credit act 2006.

[Paule]

Re: Sainsbury's Bank Plc(HBOS) And Four Debt Collection Companies Against An Individu

If it goes your way and you win in court, what would your ideal result to achieve?

ie. HBoS being Fined,
You getting awarded damages
Your legal bill & court fees being paid
etc etc

You have gone to all this trouble in research so you must have a desiberable result in mind

In my harassment case I wanted £5 per contact recieved, plus costs.

Are you bringing this at the County Court or Magistrates Court?

Have you got the funds to fight an appeal in the High Court if you win initially and HBoS appeal the judgement

[Godzilla]

Re: Sainsbury's Bank Plc(HBOS) And Four Debt Collection Companies Against An Individu

Good evening again,


It is Sainsbury's who are not being reasonable, they are refusing to inform or give a notice to the DCA'S in relation to providing them(DCA'S) with the false information relating to me.


Sainsbury's have stated to me that they cannot possibly comprehend what they have done to us, and they are unwilling to sit down and even try to think about what they have done to us as a direct result of their unlawful actions.


I have asked Sainsbury's if they would be willing to re-consider their response/position on this matter, and they have bluntly replied saying no.


Since November 2008 Sainsbury's have refused to communicate with me any further on this or any other matter.


I have asked Sainsbury's if they would be willing to settle this matter out of court and they have not responded.


HBOS PLC also are refusing to communicate with me and J Sainsbury's Plc are also refusing to communicate with me.


There has been no explanation from Sainsbury's for their behavior and the multiple failures, there has been no explanation as to why a "Credit" of £92.38 was added to my account 48hrs before it was subjected to fraudulant transactions, I was a person who, at the time was a high risk to any lender and I could not afford to borrow £1.00 let alone this £92.00 that was added to the remaining balance, there are numerous unanswered questions and Sainsbury's and all four of the DCA'S are going to answer these many, many questions in court while they are under oath.


It is our lives that they have destroyed and I want to know why, I want a full and detailed explanation from them(Sainsbury's and the DCA'S).


I am legally entitled to a private prosecution against them, Sainsbury's are not very good at skipping and they will trip themselves up in court, they have already tripped themselves up in their responses to me and the evidence of this is contained within my Dsar file.


They are dishonest and underhand, deceitfull, and deliberately so.


Their battleship is still in the water, I want to sink it, in battle, with them.


Many Thanks
Godzilla.

Ps Amethyst, do you think I should post-up Sainsbury's second response letter? If so, please let me know.

[Godzilla]

Re: Sainsbury's Bank Plc(HBOS) And Four Debt Collection Companies Against An Individu

To Pkea, good evening,


YES, I do want them all fined.

YES, There should be monetry compensation.

YES, I would like my legal fees paid, either all of them, or at least be awarded the higher indemnity award for cost.


I am not in it for money, but it is very difficult to quantify the level of compensation, and I feel the level of any compensation should take into account:

A, The efforts of my retired and unwell father-in-law.

B, The levels, constant levels, of stress and anxiety etc causing the worsening symptons of my wife's desease, the stress accelerated the symptons of my wife's critical illness.


I still need to consult with the barrister again, before I finalize all and any court papers, and I am still waiting for some outstanding documents from Sainsbury's, who are clearly delaying the release of these documents.


Many Thanks, I am logging off in a moment, so I bid you a good night and perhaps if there is anything to add, then I will post tomorrow.

Godzilla.

[Budgie]

Re: Sainsbury's Bank Plc(HBOS) And Four Debt Collection Companies Against An Individu

Personally, I would give it up, get out while the going is good, take the £1000 compensation offered and get on with your life.

Many people on these forums know that I do not lightly consider giving up on a cause. But if I were in your shoes I believe that I would draw a line under this one.

You have no debt with Sainsbury's and have received an offer of £1000 compensation. I cannot see you getting anything more out of the situation financially and the additional stress, worry and anxiety to be caused by continuing action will only further upset you and your family.

Just my opinion but I felt compelled to offer it.

Good Luck, whatever you decide to do.

Budgie

[TANZARELLI]

Re: Sainsbury's Bank Plc(HBOS) And Four Debt Collection Companies Against An Individu

The financial Ombudsman service is not an option, because they (FOS) cannot enforce the law and I am not in a financial dispute with Sainsbury's.

Well you are in financial dispute with Sainsbury's if you believe you owe them nothing now and they say you do.

[WendyB]

Re: Sainsbury's Bank Plc(HBOS) And Four Debt Collection Companies Against An Individu

I have to ask.......

If you are in dire financial straits, which you seem to be (correct me if I'm wrong), then how can you possibly contemplate affording the barristrs fees, as you said you are not getting legal aid? Also, how is your ill father in law managing to pay back the loans he took out on your behalf?

The other question I have asked, and can't seem to find the answer to, is what sort of debt(s) is it/were they? Loan, overdraft, credit card? Because you may well have charges that can be reclaimed which might help your financial situation.

Could it be that Sainsbury's are not communicating with you because they have already said, inwriting, that the offer/apology etc was their final response?

You have to realise that the courts do not necessarily act on what we see as reasonable, logical moral or right. They act on precedents and case law. You only have to look in the newspapers, daily there are cases which we cannot comprehend the reasoning for, but they are within the letter of the law, no matter how unagreeable the outcome might seem.

I personally feel that there is a time to draw the line and move on, and stop this from dominating your life. You could be trying forever to find closure, when all that will happen is you will be consumed by it and even more stressed and upset than you are already. Whats done is done, neither you or Sainsburys can turn back the clock,the wheel cannot be un-invented. I know that doesn't make it right, but its what I feel, and what I would do in this siuation.
know you haven't asked for my opinion, but thats it, for what its worth.

[Godzilla]

Re: Sainsbury's Bank Plc(HBOS) And Four Debt Collection Companies Against An Individu

Good morning to you all,

It was a credit card agreement with Sainsbury's.

Sainsbury's are not saying that I owe them any money.

I do not know how it is that my father-in-law is paying back the money he borrowed, this is his personal financial information, not mine.

Sainsbury's have already caused the damage to us, this is something to which there is no recovery from, for us.

Sainsbury's are a large corporate company I know, but that does not mean that they are immune to the laws of the land, simply because the have vast sums of gold in the barns at the bottom of their gardens shouldn't mean that one should not bring a legal action against them(Sainsbury's).


Sainsbury's have said their decision is final, we value our lives, but Sainsbury's have no regard for the lives they have destroyed as a result of their unlawful actions, and unlawful is the key word here.


I do appreciate your opinions, but I am not walking away from this simply because of how much money this company has behind it, money is not the power.

Many Thanks
Godzilla.

[Paule]

Re: Sainsbury's Bank Plc(HBOS) And Four Debt Collection Companies Against An Individu

I am not in it for money, but it is very difficult to quantify the level of compensation, and I feel the level of any compensation should take into account:

A, The efforts of my retired and unwell father-in-law.

B, The levels, constant levels, of stress and anxiety etc causing the worsening symptons of my wife's desease, the stress accelerated the symptons of my wife's critical illness.

What evidence have you got to support these claims, thats what the court will want

[WendyB]

Re: Sainsbury's Bank Plc(HBOS) And Four Debt Collection Companies Against An Individu

Thanks Godzilla, I can see where you are coming from on this, we will just have to agree to differ about the way forward.

As it was a credit card agreement, are there not any charges you cold reclaim from them, such as late fees, overlimit fees, etc? This would reduce the financial impact on yourself, with regard to the question I raised in my earlier post, which you didn't answer

I have to ask.......

If you are in dire financial straits, which you seem to be (correct me if I'm wrong), then how can you possibly contemplate affording the barristrs fees, as you said you are not getting legal aid?

[Godzilla]

Re: Sainsbury's Bank Plc(HBOS) And Four Debt Collection Companies Against An Individu

There were no charges applied to this alledged debt of £1,757.62.


Godzilla.
------------------------------- merged -------------------------------
To Pkea,


Medical evidence, and I would have to ask my father-in-law to provide the details of the borrowed money.

Godzilla.

[WendyB]

Re: Sainsbury's Bank Plc(HBOS) And Four Debt Collection Companies Against An Individu

I am not talking about the alleged debt of £1757.62, am referring to the original credit card account.

[Paule]

Re: Sainsbury's Bank Plc(HBOS) And Four Debt Collection Companies Against An Individu

I will be frank here

I believe this case will cost you thousands with no prospect of winning and possibly not even getting all your costs back if you win.

As Wendy says, how can you afford these fees, if you're in financial hardship.

and Please dont tell me you have a 'no win no fee' lawyer.

[Amy]

Re: Sainsbury's Bank Plc(HBOS) And Four Debt Collection Companies Against An Individu

Sainsbury's have already caused the damage to us, this is something to which there is no recovery from, for us.

Has your barrister explained just how much this could cost you for something, which by your own admission will not help you in the slightest?

They could take a cheesegrater to parts of their bodies for you, or better still publicly flail themselves while you watch, but as you've already said - "there is no recovery from, for us."

So it does rather beg the question - what is the point?

[Godzilla]

Re: Sainsbury's Bank Plc(HBOS) And Four Debt Collection Companies Against An Individu

Pkea,

Are you willing to state the details of your harassment case, ie: how long the harassment was, how many companies involved, what happened to cause the harassment, did you owe the money if harassment was related to being in debt? etc,etc.



The point is this:


If I undertook the course of actions that Sainsbury's and the four DCA'S have taken, with four of my friends (Making five of us in total) against an individual or a company or a buisness of any type, then I would be arrested along with my friends ( The ringleader and the members of my gang) and thrown into prison and fined, THAT'S THE POINT!


For what is the constancy of purpose to the laws of the land?

Many Thanks
Godzilla.