Halifax Fraud case

ftgvukab19

I would like to bring to your attention the following, We first contacted the police and they told us to contacted the FOS and the FOS was quite shocked with what Halifax had done...

ftgvukab19

And if the police think it's worth pursuing then we will, do you work for a bank or something? after everything the banks have been court doing. I wouldn't think anyone would defend them.

antrobus

eddddy wrote: »

....Maybe I've misunderstood, but isn't the obvious explanation:

- Your parents signed, dated, witnessed one form and filed it away but never gave it to the bank (which is why it hasn't been signed 'on behalf of' the bank)...

- Then you parents signed, dated, witnessed the second form which they gave to the bank, and the bank signed (but your parents didn't file a copy)...

Or it's entirely possible that the parents returned the signed agreement to Halifax, and then some twonk at the Halifax lost it, realised that they'd lost it, and then cobbled together a replacement, in order to avoid getting intro trouble, thinking that it wouldn't matter.

And in a real sense, if the terms of the loan were unchanged, then it doesn't matter. Assuming that was the case, I suppose you might be able to get £50 or a £100 off the Halifax if you really made a fuss about it.

antrobus

ftgvukab19 wrote: »

I would like to bring to your attention the following, We first contacted the police and they told us to contacted the FOS and the FOS was quite shocked with what Halifax had done...

Thanks for the new information.

ftgvukab19 wrote: »

And if the police think it's worth pursuing then we will, do you work for a bank or something? after everything the banks have been court doing. I wouldn't think anyone would defend them.

I don't see how quoting the CPS definition of fraud amounts to defending anyone.

http://www.sfo.gov.uk/fraud/what-is-fraud.aspx

ftgvukab19

This was what I was thinking. And really? the bank can happily send fake documents to there customers and only have to pay 50 pound and send a sorry note?

antrobus wrote: »

Or it's entirely possible that the parents returned the signed agreement to Halifax, and then some twonk at the Halifax lost it, realised that they'd lost it, and then cobbled together a replacement, in order to avoid getting intro trouble, thinking that it wouldn't matter.

And in a real sense, if the terms of the loan were unchanged, then it doesn't matter. Assuming that was the case, I suppose you might be able to get £50 or a £100 off the Halifax if you really made a fuss about it.

ftgvukab19

I thought that when you request a SAR the bank has to send true copies of the original agreements. What they sent was not a true copy at all.

antrobus

ftgvukab19 wrote: »

This was what I was thinking. And really? the bank can happily send fake documents to there customers and only have to pay 50 pound and send a sorry note?

If my speculation was true, then the bank would be just as much as victim of the deception as your parents, and the Halifax would have had no reason to suspect that the document was a 'fake' (given that your parents happily repaid the loan in accordance with its stated terms) until such time as it was pointed out to them.

ftgvukab19

It was only pointed out to them, 14 years later when they got the SAR request back from the bank. We only got the SAR for PPI claims and we found most of the original documents why we waited the 40days for the SAR.

We compered the documents because at first they didn't look the same. After further inspection we found several differences in the documents. I'm pretty sure anyone else would of complained to there bank.

antrobus wrote: »

If my speculation was true, then the bank would be just as much as victim of the deception as your parents, and the Halifax would have had no reason to suspect that the document was a 'fake' (given that your parents happily repaid the loan in accordance with its stated terms) until such time as it was pointed out to them.

eddddy

Hi ftgvukab19

Well it would be shocking if the bank really were forging documents. It would be interesting to see what they have to say.

But I suspect that they may argue that your parents have forgotten filling in the second form as it was 14 years ago.

There's no reason for them to pay you any compensation, as you haven't suffered any loss.

But I guess they could end up being fined, if the regulators find them guilty of wrong-doing, or if the courts find them guilty of a criminal offence.

ftgvukab19

I'm just going to see what the bank has to say first.

Do you think the letter I posted in the first post would be ok to respond with to there letter?

Thanks

eddddy wrote: »

Hi ftgvukab19

Well it would be shocking if the bank really were forging documents. It would be interesting to see what they have to say.

But I suspect that they may argue that your parents have forgotten filling in the second form as it was 14 years ago.

There's no reason for them to pay you any compensation, as you haven't suffered any loss.

But I guess they could end up being fined, if the regulators find them guilty of wrong-doing, or if the courts find them guilty of a criminal offence.