Ladies and gentlemen of the Volksbank Göppingen,
after my family and I, in meanwhile over 13 years by various persons of the Volksbank Göppingen were sent on a downward slide, it is now time, once again my outrage over this heinous act more than the men M and S to express.
Since the meantime more than 13 years ago I was put off, supplied with false information and used as a "knight in shining armor" misused for my brother, who later much to my chagrin, once a Business relationship with the People's Bank was received in D, while just the protege of Mr S, Mr M, drew a corporate consultant on land, though actually all in the office in R uR, Mr. W and all started without me. More about that later. Afterwards I considered
claim and can prove it with figures that Mr M was unable at any time the actual facts to survey even close. It has always been a rowing and a poking in the dark and it is for me, as the now sole mourner; not understand why the People's Bank D / Göppingen, despite the lack of sales, the credit line of my brother ever increased, although were recorded virtually no turnover. In other words, always has been a lot more money taken, as had happened that had necessarily mean that the account slipped always in depths from which they own does not back there and Volksbank Göppingen then every time offsetting the account, the shortfall bulges, each time with the requirement that the account is now not a penny more should be covered to be a few months later arrived in shoals.
to my question to Mr. M, as the People's Bank could do something like that I was told that I was not interested in this because the people with their bank could make a profit eventually what she wanted. Volksbank Göppingen had nothing better to do than this ominous account of the company H & H computer to let slip into the Miesen to it after winning the Volksbank Göppingen replenish. An interesting, comprehensible as games.
Would Volksbank Göppingen these charitable impulses to all customers, that would be fine, but unfortunately there are also examples where this is quite different, if I may refer you to my family and the family W of I, which now is also allows for many years and although Mr W is sick, no peace, it is much more to say the least a disgrace and I am ashamed of ever people like Mr. M or Mr. S, have shaken hands because these hands have figuratively been a lot of lives on their conscience. But these people think nothing of it, for they have a wonderful justification, namely by all the people have themselves to blame for their misfortune. This must only believe and if they do not, then pick the one hand, their absolution in the Church and the other from the wine bottle, which can moreover be very helpful.
It is no accident, so I just now begin again with my praise of Volksbank Göppingen and although there are several reasons which I will mention first two. One reason is that now almost exactly 13 years have passed since I more or less, from today's perspective, the People's Bank Göppingen was help, namely to clean up the shit that had served the Lord M in 1995 or even earlier.
The other reason is that the banks right now, put at least in a deep crisis of confidence, but the citizens of fears for his money and so are those events, which is obviously money gambled "on the roulette table" at certain very well. It is also my firm belief that banks employ the personnel performing the apparently mindless actions and taking the help of board members, not just the "particularly earn valuable. Such banks are in my opinion, not recommended.
Interesting is also the point that I have tried the entire Board, the Supervisory Board and the Supervisory Board of Volksbank Göppingen to draw attention to several inconsistencies in what has been thus acknowledged that the chairman K, which earns most likely just some extra money, more letter has refused to tolerate.
The Board of Volksbank Göppingen is thus not "supervised", but he does what he wants. This raises the dar. for me
A functioning board might have been at least provide the numbers and when even the basic arithmetic dominated, but he would probably become very suspicious. However, one dares
an M to still know what to really look after more than surprised, medium-sized businesses can, with a sales volume of over 2 million €. Pretty brave I would say. But we now go
times back in the year 1995.
When in 1995 the business account of my brother was pretty much out of control was Mr M enlightenment to this "Versaubeutelte" carry the can to not just have to get me to just the boat and I was naive enough to fall for a banker, after I now know very well that this species, and perhaps a few exceptions (And then bring it to nothing) most certainly not human friends.
(When I later met the board S and he was very excited at first, asked me one when I told a passion for this man if I believed then, that he had become a board because he was such a good person? At that time, thought I still, why not? "Today I understand the question long ago and I also know the answer).
After I had then invited by the beginning of 1995, Mr. M in the People's Bank to Donzdorf, he told me that he overdraft responsibility can not and the account to close down and must therefore also the company, and so my brother and his family the livelihood had been taken. (Today my family has no livelihood more). However, it would be possible, even though the account had a debit balance of about 90,000 DM that if I would take a joint and several guarantees to the tune of DM 50,000, one could agree on a current account lines on the amount of 50,000 DM. When I
Mr M submitted the proposal at first I was speechless. Until that point I had not the finances of the company H & H Computer had the least to do and I asked him very directly whether he would do so in this case in my place too. He assured me that probably would have everything in order and that in this particular case, certainly would have no concerns. That told me the manager of a bank and I believed him. Those were my two biggest mistakes. to believe a banker and then still believe a Mr. M.
(But it still had many years before and pass the collapse of my family had until I finally got what had actually happened)
Before, however, signed the guarantee, I established a condition thereto, which I unfortunately could not be written. I asked him that this account does not have another penny to moving into the Meanies. This was promised in the hand.
So I signed the guarantee. The sentiment of "who will guarantee strangled" I knew up to that point yet. Naive as I was,'s was not.
Therefore, after the company again, "liquid" was I had no other thoughts, especially as me my profession and my work so took advantage of that I am at the company continue to care at all and could not take care not wanted, because that was the company of my brother, who had to live on. I put only the premises. Now and then called Mr. M with me in my work and told some of check deposits, what interested me basically not much, because the target was clear that the account is not a penny more should move further into the target. I
had no control, because I received no statements, however, was confident that everything would proceed in the normal and in particular the agreed framework. Then
reached me by post from 24 Following October 1995, to 20 Dated October 1995 letter from Mr. M. The letter was as follows:
QUOTE ********************************* **************************************************
Account Management - Non-cash checks
your letter, 17.10.1995
Dear Mr H.,
our Discussions that took place in early 1995, we have with you an overdraft line with new DM 50.000, - agreed. The term of his account balance was approximately DM 90.000, - Command. The overdraft you wanted to inputs of debts to the credit limit of $ 50,000, - Remove. According to statement submitted by 01/15/1995, you have this statement is also proved.
The credit limit is secured by a letter of guarantee by Mr HH. Mr AH has repeatedly emphasized that inputs have to be executed on the account because he works and supplies. The structure of a stock of materials and equipment is not planned. As more and more orders
were taken without appropriate inputs were recorded, we have made phone repeatedly focussed on the situation, has said Mr. AH constantly repeated his promises of greater cash receipts in the coming days. Arrived, the commitments are not to this extent.
Relying on this promise we have always cashed checks, so that the balance has increased further. Of the situation we have in detail discussed with Mr. HH, who has also criticized the sloppy accounting of his brother and also gave us the assurance that he is now himself wanted to take care of the situation.
We also agreed that we give back to check, if no corresponding receipts or payments are recorded on the account. The requested of Mr. HH prior information on check returns could not be 100% committed strength of us as this is beyond the time frame. Nevertheless, we have included phone contact so frequently. Mr. HH was also keen not to let the debit balance on the account to grow. To
the current account balance, in the meantime at about DM 140,000, - was to get a grip, have we offered to finance a part of this balance in the form of loans, so the current account also come off of the interest owed.
In a conversation was agreed that an amount of $ 100,000 - will be rescheduled and the remaining balance then the current account limit of $ 50,000 - is legitimate.
Due to vacation time and failure of your computer for production of documents (see your letter dated 05/09/1995) of the loan agreement was not completed until late September. This end of the quarter even retroactively, the loan could be transferred and would have occurred because a substantial interest savings for you, we asked you, the loan agreement before the end of the quarter - to sign - that is until 29/09/1995. This you have not done us incomprehensible reasons why you a loan transfer of value even now escaped. At present
checks we have called Mr HH often, what can we confirm this reliably. Here was repeatedly emphasized that a further increase is not attributable to the debtor balance. Why, then repeatedly checks were written out is a mystery to us. The consequences of such a demeanor, you have described in your letter, 17.10.1995 itself. Why the check was cashed on DM 5308.40 on 2/10/1995 by us is probably due to the heavy workload on that following business day after quarter-end. The reservation is the person responsible probably escaped.
As for the personal account of Mr. AH, we have already taken early on in the negative Account Development noted. The high debt balance of this account is not responsible for the bank. The time, we also pointed out the risks and the problems that entails a myself independent in the industry by itself. In the first interview that was conducted by us with you, Mr AH was according to him still in the employment relationship and wanted to operate the computer business only as a side job. We have got to maintain the scheme, a secure foothold to have her income. The decision to act differently, was alone with Mr. A H.
After the operation is not currently able to pay a salary to Mr. AH and thus missing revenue from the private sector, we can also access this private account No further orders allow.
is our opinion that should come through this difficult time, possibly the help of a third party (family).
We would like to point out that the return have to make the overdraft on the account No. 135 707 005 immediately. We assume that you no later than 11/30/1995, the overdraft of your outstanding debts to the agreed credit limit of $ 50,000, - Remove. If this is not the case, we would have to carry out all the other steps.
Sincerely
Volksbank Donzdorf
first Signatory S
second Signatories M
QUOTE END ******************************************** ***************************
Admittedly, the letter sounded really threatening, and it would certainly have been in my interest if the part of the Volksbank Göppingen everything had been done right. Far from it.
What was done really right and clean is the fact that my family of the People's Bank Göppingen, just by Mr. S (Director and Executive Board) and M (then chief clerk and head office managers in D) and the former branch manager of D, B, according all rules of art were destroyed. It was revenge
lower of the two main characters and each of all these events, which I will now publish all the details here pursued to the end, it looks the same. I'm convinced.
My family has been pushed to the abyss, but it was not and it will not be able to make us jump down there.
If these publications also benefit my family any more, so they not hurt us. I have an account, because after S and Co. were finished with us, the credit reference agency had to work overtime. We are destroying something socially that we get nothing at all, which requires only a batch of credit.
I had been offered despite my advanced age of 53 years, a great job, but is ahead of, that I have a credit card and a private car. I have not yet Once an account!
coming soon!
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