Danske appoint receiver on performing mortgage cos a joint borrower in default on unconnected loan

Discussion in 'Mortgage arrears & negative equity case studies' started by The Partnership, 20 Mar 2016.

  1. The Partnership

    The Partnership Frequent Poster

    Posts:
    70
    Last edited: 28 Jul 2017
    Thanks lonestar
    regarding Danske bank recording our meeting ,is this legal,
    Last year we had a meeting at Danske HQ with two reps.
    Firstly they did not let us know they were recording our meeting
    Secondly they left the room so we could discuss our options with our solicitor ,so all of our thoughts and strategies were recorded .
    We got an updated freedom of information request from Danske and to our astonishment there were details of minutes of our meeting
    some of the diaglog was edited but more or less intact.
    If we have another meeting with Danske it wont be in their offices .
    The more dealings we have with Danske the more aware we are of the type of people we are dealing with and what they are capable of
    Very Scary.
     
    Last edited: 28 Jul 2017
    Bronte, argolis and Lone Star like this.
  2. Seagull

    Seagull Frequent Poster

    Posts:
    1,133
    It was legal for Danske to record anything you said in conversation with their officials. I'm not sure about the legality of their recording the conversation between you and your solicitor without telling you, but I don't think it was legal. You would have a right to expect conversations between yourself and your solicitor to be confidential, even if held in the other party's office. I'd imagine at the very least it's something else to bring up before the judge as further indication of their underhand dealings. Given that you must be in regular conversation with your solicitor, ask him about the legality of the recording, and whether there are any sanctions that can be brought against Danske if it was illegal.
     
  3. The Partnership

    The Partnership Frequent Poster

    Posts:
    70
    Danske deny any recording was made
    None of the private discussions between us were in the minutes Danske produced in the updated info request.
    There were two Danske bank reps in the meeting and we were not aware of anyone takeing notes of what was said, but they produced step by step minutes of the meeting.
    Regards
     
  4. Lone Star

    Lone Star Frequent Poster

    Posts:
    175
    Also likely to be video recording and perhaps even zooming in on where you sit to view notes.....where you sit etc is all pre-thought. Banks employ psychologists too...... they very eagerly step out I bet...and then appear when it seems like yous are near the end of your own conferring....
     
  5. Lone Star

    Lone Star Frequent Poster

    Posts:
    175
    Don't take any of this personally - they are there to do a job - and by god they will do it ...some of them are incredibly well paid....they would take the skin off your body if they could!!!
     
  6. Andy836

    Andy836 Frequent Poster

    Posts:
    363
    Seriously? You believe this?

    I don't. It sounds absolutely nuts.
     
  7. llgon

    llgon Frequent Poster

    Posts:
    342
    Banks??

    Well there's a first time for everything I suppose.
     
  8. Seagull

    Seagull Frequent Poster

    Posts:
    1,133
    Did the first set of minutes you received include anything of the conversation between you and your solicitor, or was it just of the portion while Danske reps were in the meeting? If it's only the part while Danske reps were present, then there is no wrongdoing. They can record that with no issue. So it doesn't really matter whether the minutes are based on a recording or handwritten notes.
     
  9. The Partnership

    The Partnership Frequent Poster

    Posts:
    70
    There were no minutes of the conversation we had with our solicitor.
    regards
     
  10. Lone Star

    Lone Star Frequent Poster

    Posts:
    175
    regardless of what is to be believed....if you're meeting a bank - one would be wise to step out of their building if you are having a private discussion with your advisor/solicitor who may be present with you....unless of course you use 'being listened to' to your advantage. nuts perhaps... but so was the moon landing...
     
  11. The Partnership

    The Partnership Frequent Poster

    Posts:
    70
    Has anyone read Tommy Tiernans take on banks,
    "Banks have become gentrified when they are ,in fact ,just moneylenders---grubby,desperate and greedy-fingered by design"
    A bit harsh ?
    Regards
     
  12. The Partnership

    The Partnership Frequent Poster

    Posts:
    70
    Last edited: 10 Aug 2017
    Hi we got a company called Bankcheck to go over our Danske mortgage to identify any mistakes .
    Danske took over €600 a month to much from our morgage account from 2009 to 2011 and when they discovered the mistake they refunded us by giving us six months off our payments which amounted to €15.000 plus
    Bankchecks audit shows Danske should have allowed us nearly € 22,000 which means during the worst recession in decades Danske took €11,000 a year of us in advance of the T&C
    even after the repayment break received from the bank between may 2011 and - dec 2011 the account was still ahead of its repayments by € 5,500
    Bankcheck also found an interest overcharge of € 417
    So we were never one cent behind in our repayments for over nine years of repayments until they apointed a receiver.
    Dont know if this is covered by the banking enquiry,but we never received any compo or even a sorry.
    Regards
     
    Last edited: 10 Aug 2017
    argolis likes this.
  13. Lone Star

    Lone Star Frequent Poster

    Posts:
    175
    That's a 'hot period' of when Danske overcharged some customers on VHL.....they 'renamed' the mortgage products IHL (investment home loans), letter may have issued to you around Feb 2011. I'm not offay anymore with the full ins and outs....it might be worth getting advice or perhaps there is someone on AAM who could PM you more information. Some judges seem very dismissive these days re overcharging and almost treat it as a fly in their eye nuisance...with the refund the customer - end of story - next for the guillotine please! Goodness, I hope you guys come out of this well. Keep her lit.
     
  14. The Partnership

    The Partnership Frequent Poster

    Posts:
    70
    We have contacted a well known and respected financial adviser who is no stranger to AAM and he has agreed to help us with our counterclaim if our talks with Danske do not bear fruit.
    Has anyone out there had any success in removeing a receiver ?
    The receiver on our property has been appointed since June 2014 during that time he has not collected any rent,done any maintainance we are not sure if he has proper insurance cover or if he has checked the tennants cover . I spoke to the tennant this week and even though she has not paid rent for over 3 years she had a moan about a leaky roof and the fact she had to completely re paint the outside of the building and replace some floor covering.If the receiver has not entered and inspected the building in this length of time surely this is gross negligence by him and by Danske who would have to have some duty of care.
    If we ever get this property back will it be a ruin and i suppose Danske will find some way of slithering out of that responsibility.
    Regards
     
  15. The Partnership

    The Partnership Frequent Poster

    Posts:
    70
    Hi I have just watched some of Danske Bank adds in which they highlight their 145 year history and all that stuff that goes with a fluffy image ,local sponsorship,comunity support .Enough to make me physically sick.
    Its hard to imagine Danske are still puting this garbage out to people in Nothern Ireland and pooping over the rest of us in the South.
    During a negotiation with a senior Danske bank offical he was asked about the negative publicity ,he smiled and said doesent matter we are out of here .Its a pity we cant let our neighbours know what they are in for if Danske do the same to them.Any suggestions ?
     
  16. TLO

    TLO Frequent Poster

    Posts:
    215
    Buy a few shares and try for a viral soundbite at the AGM in Copenhagen?
     
  17. Lone Star

    Lone Star Frequent Poster

    Posts:
    175
    Water of a Duck's back. Good suggestion re shares TLO - however my thoughts would be: They are hard as nails and the shareholders will only be interested in profit - they got rid of their CEO a few years ago and the new man is laser sharp and ruthless. Financial Ombudsman in Denmark won't get involved either as it's a 'concrete' dispute - still worth a shot though. Don't get wrapped up too much in the emotional side - they do not care - they will bull through. Keep your passion of course, but stick to facts and figures. Meet them and see what they will agree to. No doubt yous have been shafted - but weigh up life in court versus your life back again. that's my two cents worth. As ever, good luck.
     
  18. The Partnership

    The Partnership Frequent Poster

    Posts:
    70
    Thanks for the replys .I find I have a level head and a thought out plan of action when we meet with the Danske reps but that goes out the window when the meeting moves on .
    When your called into the headmasters office for doing something you dident do and you receive a punishment for a mistake made by the school .
    Regards
     
  19. The Partnership

    The Partnership Frequent Poster

    Posts:
    70
    Hi I was thinking of puting a case study together of the complete history of our problems with Danske.With the help of two friends who are experienced in banking and debt problems,they agreed to spend some time produceing a detailed book with all relevant letters and affidavits attached .
    This would be done simply and professionally in a book form with all the facts and Danske mistakes highlighted.
    We would then circulate this book to every relevant politician,goverment agency,financial institution,newspaper and social networking websites north and south of ireland and Copenhagen
    I know this may not interest many people but if its done right it might cause Danske problems.
    This is subject to legal advice and the absence of a deal.
    Regards
     
  20. Lone Star

    Lone Star Frequent Poster

    Posts:
    175
    Denmark, will just ask Ireland to deal with it. Politicians...5 might reply.....2 might flick through it....save your energy for a meeting with them. Talk if you can to a banker who works in compliance - find out how much they have broken the various codes of conduct etc...There are mediators out there who might be of help. Get your life back - meet them and cut your losses.