Bank threatening to appoint L.P.A. receivers.

[CleverClogs (RIP)]

Re: Bank threatening to appoint L.P.A. receivers.

Plan B , before someone comes on and as a rant remember we weren't married we lived in SIN.Not you and me i mean my late partner.

Do you mean you're now refusing to marry PlanB?

[PlanB]

Re: Bank threatening to appoint L.P.A. receivers.

Its been a long day,Iv'e been accused of being a liar and breaking the law all in the one day.The accuser has left the thread.The accuser gave good advise but did not seem to understand I had taken it, and choose to go down some paths about rights and wrongs.This is a good Forum that helps people, all though I live in London I don't come from London I come from a place in Scotland called Crieff a small town, I never wanted to be in this position my partners death brought me here I am trying to obtain as much information as I can to fight the bank.

Aww

[Never-In-Doubt]

Re: Bank threatening to appoint L.P.A. receivers.

Its been a long day,Iv'e been accused of being a liar and breaking the law all in the one day.The accuser has left the thread.The accuser gave good advise but did not seem to understand I had taken it, and choose to go down some paths about rights and wrongs.This is a good Forum that helps people, all though I live in London I don't come from London I come from a place in Scotland called Crieff a small town, I never wanted to be in this position my partners death brought me here I am trying to obtain as much information as I can to fight the bank.

I don't think it was meant quite the way you describe it; nevertheless we aren't here to judge you or to form an opinion about you - we exist merely to help you, if we can.

That said I do think you can take some positives from this. Mainly try and be more open - especially when you're looking for such complex help. The thing is we are a prime target for abuse due to the nature of what it is we do so we sometimes get a little narked when we notice inconsistencies. Surely you can relate to that?

As it was so complex surely trying to spell things out for us or quoting older posts where you'd already said is better than ignoring the question or bluntly saying #31 for example. We're not going to wipe your arse but we will help you find the loo roll. That's what we do best.

Its a two way process. Be a little more open and spell things out to us if necessary - remember we're here to try and help YOU so try and be a wee bit more amenable when we're asking things - even if its duplicated. We read loads of threads and sometimes get confused, this is technical enough as you (and we) must appreciate.

The main thing is that you'll get there. You will get the help & support you need and you will have an equal chance at fighting back BUT try and help us, to help you.

We'll get along just fine if you just open up a wee bit more. We're not here to cause any distress or harm.

[fluffystuff]

Re: Bank threatening to appoint L.P.A. receivers.

Its been a long day,Iv'e been accused of being a liar and breaking the law all in the one day.The accuser has left the thread.The accuser gave good advise but did not seem to understand I had taken it, and choose to go down some paths about rights and wrongs.This is a good Forum that helps people, all though I live in London I don't come from London I come from a place in Scotland called Crieff a small town, I never wanted to be in this position my partners death brought me here I am trying to obtain as much information as I can to fight the bank.

.......and I wish you all the very best with that. It's not easy, having to sort out another's affairs, particularly in your case where paperwork is missing. I'm sure that Paul will be able to piece all this together for you.

It has been a long day as you say, let's see what tomorrow brings. X

[Streetwise]

Re: Bank threatening to appoint L.P.A. receivers.

Its been a long day,Iv'e been accused of being a liar and breaking the law all in the one day.The accuser has left the thread.The accuser gave good advise but did not seem to understand I had taken it, and choose to go down some paths about rights and wrongs.This is a good Forum that helps people, all though I live in London I don't come from London I come from a place in Scotland called Crieff a small town, I never wanted to be in this position my partners death brought me here I am trying to obtain as much information as I can to fight the bank.

[fluffystuff]

Re: Bank threatening to appoint L.P.A. receivers.

No there was only ever the loan account as I understand it .

They sent them cheque books and credit cards that they could use if they wanted but these were never used.

In post 118, you stated there must have been a current account, hence the cheque book??
No it was the only account that they had with them, the banking facilities were withdrawn ( Closed they said, but open to take in payments ).

A loan account is not usually referred to as a banking facility.

I have to conclude Streetwise, that your best option, if available, is to send everything you have to Paul when he is up and running.
Hopefully, with all the paperwork you have in front of him, he will be able to make sense of all this.

X

[Streetwise]

Re: Bank threatening to appoint L.P.A. receivers.

Please confirm Streetwise.

No there was only ever the loan account as I understand it .

They sent them cheque books and credit cards that they could use if they wanted but these were never used.

No it was the only account that they had with them, the banking facilities were withdrawn ( Closed they said, but open to take in payments ).

[fluffystuff]

Re: Bank threatening to appoint L.P.A. receivers.

,

With respect Fluffystuff, the account for repaying the loan IS the loan account isn't it.

No, there is a loan account and the vehicle for repaying it was, I am assuming, the current account?


Furthermore the OP has said that it WAS closed in August 2012 (post 114). I specifically asked for clarification as to what account was being referred to.

it is the current account that was 'restricted' in August 2012 (Streetwise refers to as partially closed)
I'm sorry mate, but I think we are still not being given straight answers to straight questions.

Please confirm Streetwise.

[Streetwise]

Re: Bank threatening to appoint L.P.A. receivers.

,

With respect Fluffystuff, the account for repaying the loan IS the loan account isn't it. Furthermore the OP has said that it WAS closed in August 2012 (post 114). I specifically asked for clarification as to what account was being referred to.

I'm sorry mate, but I think we are still not being given straight answers to straight questions.

Sorry I don't think you know how it works,Sorry.There was only ever one account the loan account they try and suck you in for more.

[Streetwise]

Re: Bank threatening to appoint L.P.A. receivers.

Correct Streetwise?

It has not been closed totally, it allows us to pay funds into it but we have no access to the balance they say we are due since 23/8/2012.

[Still Waving]

Re: Bank threatening to appoint L.P.A. receivers.

Correct Streetwise?

,

With respect Fluffystuff, the account for repaying the loan IS the loan account isn't it. Furthermore the OP has said that it WAS closed in August 2012 (post 114). I specifically asked for clarification as to what account was being referred to.

I'm sorry mate, but I think we are still not being given straight answers to straight questions.

[fluffystuff]

Re: Bank threatening to appoint L.P.A. receivers.

Hold on - they transferred the account solely into the business partner's name on 1/1/11 (the account for repaying the loan) no, this is the loan account, then closed it in August 2012. It has not been closed .How are the loan repayments accounted for since that date then?

Correct Streetwise?

[Streetwise]

Re: Bank threatening to appoint L.P.A. receivers.

Hold on - they transferred the account solely into the business partner's name on 1/1/11 (the account for repaying the loan), then closed it in August 2012? How are the loan repayments accounted for since that date then?

My late partner made the payments every quarter I just calculate what the payment would be at 2% over base rate and pay it into the account.

[Streetwise]

Re: Bank threatening to appoint L.P.A. receivers.

Forgive me but that's a rather confusing statement. An overdraft facility would not be offered against a loan account. Was there a current account at some point as well?

Yes there were cheque books but never used.I say yes but I don't really know, why would they be giving them cheque books.

[Still Waving]

Re: Bank threatening to appoint L.P.A. receivers.

The account was only ever used to pay the debt,the bank offered credit cards and overdrafts on the account, but they didn't want them only wanted to pay the debt off.

They only closed the account in August 2012 my late partner died in October 2010.

Hold on - they transferred the account solely into the business partner's name on 1/1/11 (the account for repaying the loan), then closed it in August 2012? How are the loan repayments accounted for since that date then?