Peter Reynolds

The life and times of Peter Reynolds

Posts Tagged ‘liars

OFT – Incompetence, Conspiracy, Paper Tiger Or All Three?

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I’m one of the lucky ones.  I recovered over £2000 of illegal penalty charges from the Nationwide and HSBC a couple of years back before the High Court stayed all the claims.  I had the great pleasure of walking into HSBC’s Kilburn branch with a judgment stamped by the Bow County Court (local to its Canary Wharf headquarters).  I demanded my money there and then and created a right hiatus in the branch!  I didn’t get it then but I did the following day in crisp £50 notes.

Den Of Thieves

It goes without saying that the banks are all, without exception, cheats, thieves, liars and lowlife scoundrels.  That’s why millions of people were relying on the Office Of Fair Trading to stand up for them.  The OFT’s decision now to drop their action against the banks is a national disgrace of monstrous proportions.  Although we cannot be sure of exactly who is behind this scandal, the fact that dishonesty, corruption and theft are at the root of it is manifest and crystal clear.

The banks were making around £7 billion a year in charges, most of which were for unauthorised overdrafts.  Claimants would have been able to claim for six years of charges so the banks have been let off a £40 billion hook.  Never have the British people been so let down by those who are supposed to protect them.

The High Court first made the extraordinary decision that these charges were not penalty charges.  This is nonsense.  HSBC actually described many of their charges to me as “card misuse” – so is that a penalty or not?.  Of course they were and as such were illegal and unenforceable at law.  When the banks debited your account like this they were committing theft and they’ve got away with it scot free.

It has now been well established that the actual cost to the banks of these transactions were less than £2 each when they were charging their customers up to £40 a time.

It must be truly astonishing to any right minded person that the OFT has backed down.  Even in the last Supreme Court judgement the OFT was given a clear hint, more like an invitation, that it should revert to the Court on a different basis.  So what possible reason can there be for abandoning the claim?

There can be no doubt that this decision is improper.  I wonder why it was announced on 22nd December when the entire country was at the peak of its pre-Christmas mass hysteria?

Two Faced Coward

John Fingleton, the OFT’s chief executive, should resign immediately.  He is either corrupt or weak.  He certainly has no integrity because whatever pressure or bribery has been put upon him he should have fought to his last breath to stop this massive crime by the banker robbers.

We cannot rely on these paper tigers of consumer protection.  We certainly cannot rely on government.  It is doubtful that our self-serving, whipped and bullied MPs will do anything meaningful.   It seems the only option now may be molotov cocktails through the door of every bank premises throughout the country.   How else are we supposed to protect ourselves when we are so badly let down?

We live in an entirely monetised society.  It is impossible to function without a bank account.  Therefore, the banker robbers must be regulated virtually to death.  Their policies and profits must be ruthlessly controlled.  Their crimes must not be overlooked but punished severely with massive multi-billion pound fines for the institutions and long prison sentences for the responsible executives.

Alistair Darling And The Rest – Liars, Cheats And Thieves

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What exactly is it that entitles cabinet ministers to have their accountants’ fees paid for by the taxpayer?

All nine ministers must be sacked and the police brought in to investigate.  There is not the slightest excuse for this blatant thievery.

Scumbag Thief

Scumbag Thief

This is perhaps the most disgraceful episode of all.  While you can argue (well you can try)  that duck houses and food bills have something to do with a second home which is necessitated by Parliamentary duties, claiming your accountants fees on expenses is nothing short of cheating the taxpayer.

Alistair Darling, Jacqui Smith, Hazel Blears, David Miliband, James Purnell, Douglas Alexander, Geoff Hoon and Hilary Benn – you are liars, cheats and thieves.  You should all be behind bars.

Gypsies, Tramps, Thieves And Estate Agents

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The property market is, once again, difficult for everyone.  In recent weeks we have even been asked to have some sympathy for that most despised group of parasites, estate agents – but I have none.  Truth is that their “profession” is a necessary evil and in good times as in bad it is only those with some standards and, maybe, a little integrity that are worth dealing with.

In the past twelve months I have had comprehensive experience of the estate agents in and around Emsworth, Portsmouth and Chichester.  There have been one or two who have been a pleasure to deal with, who have been professional, efficient and helpful.  Others have been uninterested and disinterested, unethical, inefficient and some are little short of crooked.

First, the positive.  There is one firm that shines out as example to all others – Henry Adams.  I have not bought, sold, rented or let a single property from them but I have viewed many and I can truthfully say that every transaction has been smooth, easy and as it should be.  If only I could say the same for the rest.

Borland & Bound of Emsworth, Charlotte and Alison in their lettings department are liars.  If you stalk the internet property sites, as I know how to do, you can catch the new properties immediately they come to market.  If you’re quick on the draw the truth becomes evident.  Agents which pick and choose who they sell or let to and at what price.  Whether it is their sister’s best friend’s cousin’s daughter or their next door neighbour’s husband who they share a bottle of cheap white wine with every Wednesday afternoon, there are  dishonest people out there that you cannot rely on to deal with you properly.  Borland & Bound told me for a week that they just couldn’t get hold of the landlord to arrange a viewing.  Then I met another prospective tenant outside another property who told me that they’d viewed the Borland & Bound property the day before.  Borland & Bound then told me they’d had a “bad” reference on me.  I ask, from who, on what authority, when did I give you the information or source from which to take a reference?  Is that the best bullshit you can come up with?  I wonder what the truth is?

Then there was “Zone” of Chichester.  What dreadful 1980s-type “brand” is that and can anyone take a firm with such a name seriously?  I had to try to because some unsuspecting property owner who had exactly what I wanted in Bosham had made the mistake of hiring this firm and apparently causing it all sorts of problems.  After all, business would be so much easier, wouldn’t it, if it wasn’t for those dreadful people we call customers?

It was so much trouble to arrange a viewing.  Five or six telephone calls were never returned and eventually produced the reaction that “we might be able to arrange a viewing in a week or so”.  “Please don’t pester us.  You’re probably not the sort of tenant we want because you’d be on the phone all the time”.

Eventually a viewing was arranged but when I called to ask for directions I was told “I’m far too busy.  Ask someone in the street”.  Then surprise, surprise, “the landlord has a prior offer”, “the property is now off the market”.

It must be unpleasant to have to demean yourself, to lie, to cheat, to deceive but perhaps some of these estate agents enjoy their work.  I can think of no other explanation.

Written by Peter Reynolds

August 20, 2008 at 11:22 pm