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Homebuy Direct HEARTBREAK
Comments
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I understand and agree that I borrowed money from them and did not pay then back fully which is not right.
But my problem is the way they have acted. They did not chase me up for the outstanding debt.
They did not take me to court....etc etc The kind of actions proper organisations take out.
Is an eye for an eye legal in this country? is it written down in the statute books or in English Common law (or scottish for that matter)????
If someone robbed you at gunpoint is it justifiable for you to do the same to that person?
If someone took money from you and did not pay them back, or robbed you etc etc, the correct and decent thing to do is to report it to the authorities. Now whether they do anything or not is a different story, but this is how a civilised and law biding society acts.
If RBS wrote to me, or came to my house or workplace and sat down and discussed the matter like normal people do, I would have come to an agreement of paying them back just like i had done with other creditiors in the past. But no not RBS.
RBS made a mistake and because of their mistake I am out of pocket.
Had they done their job properly, they would have noticed the marker and declined me immediately.
Maybe this was their intention! Lets get some money out of him while we can, make him believe he has successfully got a mortgage and THEN we will decline and him anf keep the valuation fee!
WELL THERE IS ONE THING YOU ARE MISSING. I AM A UK TAX PAYER AND COME UNDER THE HIGHER BAND SO I DO PAY ALOT OF TAX.
RBS HAS RECEIVED ALOT OF TAXPAYERS MONEY.
SO THEY HAVE MY MONEY AND WHO THE HELL ARE THEY OR YOU TO JUDGE ME WHEN THEY HAVE NOT AND NEVER HAVE BEHAVED ETHICALLY.
AND THAT IS THE REASON ALONG WITH PLAIN AND SIMPLE GREED WHY RBS ARE PROBABLY THE MOST HATED BANK IN THE COUNTRY.0 -
What area are you buying in?
Its really annoying seeing 2/3 of the site all built up and the final bit just empty ground. The site manager has now had to send all his brickies out to other sites as he waits for the thumbs up. At least this issue isn't their or orbits fault. Its whoever makes the decisions for the planning dept ( i think) and their impressive speed.
At least when the go ahead is given all the brickies will be working on on the same bit together, rather than spread over the site and thankfuly our property was in the 1st release of the new plan so it goes up with the first 5 houses (4 of which are now about to or have had contract exchanged).
west midlands / walsall area0 -
Hey Biggurs,
don't go jumping down peoples throats when they post an honest opinion, regardless of if it is what you want to hear or not.
Your situation sounds incredible to say the least- the fact a large bank like RBS have never chased up a debt. It beggars belief really.
However you talk of being ethical but if you had to be 100% truthful with yourself you have not been ethical have you? If ethics are now a big part of your life why not ask RBS what the full debt was and tell them that you will give that amount( over a period of time in required) to your favourite charity- especially now you are in the higher tax bracket as you say. You may even save tax this way!
Sometimes what we see as a negative criticism can be used in a constructive mode if we just step back from the situation for a while.
If you want to pull me and my reply to bits and it makes you feel better, please feel free. I genuinely congratulate you on pulling your life around by the sound of things and wish you well for the future- just go easy on those who post an honest opinion for you to absorb.
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Right.I understand and agree that I borrowed money from them and did not pay then back fully which is not right.
Sure, they could have chased you. Instead it seems that they either lost touch with you or decided they wouldn't get their money back and it wasn't worth the cost of trying, they would just remember never to do business with you again. Not taking you to court probably helped you get back out of the financial trouble you were in, so you probably gained from it back then.But my problem is the way they have acted. They did not chase me up for the outstanding debt.They did not take me to court....etc etc The kind of actions proper organisations take out.
It's sad that the mistake caused them not to recognise that they didn't trust you enough to do business with you again at an earlier stage. No mistake and I'm sure that they would have said no sooner.
Nope, but it is written that you'll let people fool you once, then remember and not let them do it a second time. That's what they have done here.Is an eye for an eye legal in this country? is it written down in the statute books or in English Common law (or scottish for that matter)????
No, it's not justifiable to do the same. If you'd used gunpoint the right thing for them to have done would be to help the police catch you and jail you, not turn up with a gun of their own.If someone robbed you at gunpoint is it justifiable for you to do the same to that person?
Nope. They made the mistake by lending to you and they are out of pocket by the amount they lent you.RBS made a mistake and because of their mistake I am out of pocket.
Or maybe they could have thought hmm, if we let him continue he'll pay us some money so we'll get back some of what he owes us. That would have been a good move on their part but it seems that it was just a mistake, not deliberate.Had they done their job properly, they would have noticed the marker and declined me immediately.
It seems to have been a mistake but it would have been a good plan.Maybe this was their intention! Lets get some money out of him while we can, make him believe he has successfully got a mortgage and THEN we will decline and him anf keep the valuation fee!
If you look around here you'll see that sometimes people with debt problems find that their bank takes their whole current or savings account balance to pay off some of their debt. They have even done it years after the debt was incurred. That's why I'm telling you that you need to either expect never to do business with any RBS group company again (including NatWest etc.) or find some way to deal with the old debt. If you don't you're just going to get caught out again sometime in the future and they will get back some of their - and our, as tax payers who own part of the company - money from you when you don't expect it.
This also applies to your spouse, for joint accounts, but not individual accounts in their own name only.
Same here. But you really should consider the ethics again. I borrow 50 from you. Do you expect me to forget all about repaying you unless you're continually chasing me to pay it back? I don't expect that. I expect that you should been entitled to expect that I'll remember that I've borrowed the 50 and have to pay it back to you.WELL THERE IS ONE THING YOU ARE MISSING. I AM A UK TAX PAYER AND COME UNDER THE HIGHER BAND SO I DO PAY ALOT OF TAX.
RBS HAS RECEIVED ALOT OF TAXPAYERS MONEY.
SO THEY HAVE MY MONEY AND WHO THE HELL ARE THEY OR YOU TO JUDGE ME WHEN THEY HAVE NOT AND NEVER HAVE BEHAVED ETHICALLY.
I'm sorry that you got this nasty surprise but that still doesn't change who is fundamentally responsible here. That's you, not RBS. It's also up to you to get rid of the problem by sorting out some deal to get rid of the debt.0 -
This is a reply for Jamesd.... I wont quote your post its quite big and we might run out of paper lol!
Regarding RBS I have not done any business with them nor do I intend to do business with them and as far as Nat West are concerned I wouldn;t touch them with a barge pole after they would charge me- when I was a student in London, £20 for a cheque which was returned and £15 for writing to me informing me of the £20 charge!!.
How can they justify £15 for informing me of a returned cheque which cost £20. So in total I was charged £35 for a returned cheque.
Im not disputing the £20 for a cheque that is returned (even though it appears unjustifiable) i am complaining about the fact they would charge me £15 to inform me by letter.
This was over 10 years ago.... can I re-claim those charges?0 -
Don't know about the charges, have a look at that part of the board. I agree that those are excessive.0
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noooooooooooooooooooooooo!!!!!!!!!!!Hello neighbour!!!!! What plot number you got
plot (i have removed it) i think or is it plot and the house number or vice versa, im not sure until i have a look in the 'masterfile'!!!!
.
must have a drink when we meet!
Cant believe this!
what plot num is yours?
Mind you I aint been down for a few weeks, especially after nearly losing the 'plot' !!!!!!! in both sense of the word LOL
dont tell me your financial advisor is carl? mortgage beaureu ( or is it beureu??? the only word in the entire english dictionary i cannot spell!)
Oh well, nice to meet you!!!!!!0
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