Mortgage, CreditAgricole ,BirminghamMidshires, Halifa x, HBOS, CurtisSolicitors

[Going My Way]

I have had many accounts over the years. Most of them I incurred charges but they are also now closed. any info on them would be appreciated. I believe that BM are something to do with a lot of the high street banks anyway. Any light shed on anything at the moment would be much appreciated. I noticed that you have discovered some things about charges and Data Protection that a lot of people on that site have not mentioned. I can safely say that this thread has been the most informative but that doesn't meen to say other threads haven't been this whole site is very helpful.

[TideTurner]

Originally Posted by stan5131

What is interesting about Colleys, is that if they WERE owned by Bradford and Bingley at the time, then they did not do an independent valuation.

Stansfield, there is currently a big stink that estate agents have simply driven past properties and placed them in certain bands for Council Tax without performing a full inspection. Now Council tax could be refunded as properties were placed in the wrong band. I wonder if they charged for a full inspection? I'll find out in Court when they give me their explanation.

Also, I had 9 valuations.

To date, they have refused to give me full copies of the valuations and have blanked out the people who performed them.

You are entitled to this information although they will claim that as you were not a party to the contract, you are not entitled to the information. If you are expected to foot the bill, you are OBVIOUSLY a party to the contract.

[TideTurner]

Also, for mortgage claims and procedures, look at this post from AlanFromDerby.

alanfromderby v Bristol & West ** OPERATION REVENGE 2007 **

Tide

[TideTurner]

All,

Have you seen this thread

Consumer Credit Act Agreements

ARE WE ALL aware of this
SLD was released to the public on 20 December 2006.

The UK Statute Law Database
The UK Statute Law Database (SLD) is the official revised edition of the primary legislation
http://www.statutelaw.gov.uk/

but beware for the cca 1974
Update Status Warning: There are effects on this legislation that have not yet been applied to the Statute Law Database for the following year(s): 2002, 2003, 2004, 2005, 2006. Please see the Tables of legislative effects for details. See also important information in Update status of legislation.

[TideTurner]

Hi All,

Have you also seen this?

Originally Posted by pmhcfc

http://www.ico.gov.uk/upload/documen...tion_final.pdf

[TideTurner]

Quick update, hopefully have dotted my i's and crossed my q's and t's and hopefully will issue on Friday.

I have a claim in for compensation well before Christmas S.13 Data Protection Act 1998, invasion of privacy etc.

Bring on the clowns

[stan5131]

Good luck Tide. Will catch up when I get back.

[TideTurner]

Stan, mail returned to sender!

[TideTurner]

All, just found this by Scouser9. It relates to Consumer Credit Act Agreements, but I particularly like: -

Please note that I am *only* prepared to communicate with you in writing. Should it be your intention to arrange a "doorstep call", please remember that there is only an implied license under English Common Law for certain people to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

Please therefore take note that, I revoke license under English Common Law for you, or your representatives to visit me at my property and if you do so without my permission, you will then be liable to damages for a tort of trespass. You would also be conspiring in a trespass if you sent someone to visit me nevertheless.


http://www.consumeractiongroup.co.uk...tml#post621930

The whole letter and reply by Cabot is on the link above.

I'm referring to the walk-by's performed by Building Societies and Banks on properties where they have an interest, but you have not given permission for them to visit.

Could this have an effect on Bailiff legislation which has recently received its second hearing I wonder.

Tide

[TideTurner]

All,

Claim is issued. Please be wary when going to Court to issue, they said they needed 14 days for a personal cheque to clear. Walked in with cash the next day, but it still took 10 days to issue as they have a backlog.

The claim was in the post immediately though! This gives the defendant additional time. Probably better going to a smaller court (one less busy).

Awaiting the defence and expect great enlightenment - then public belittlement for those who did this.

You did it to me guys, what did you expect.

Tide

[andrew1]

Tide, I've just read through this thread with great interest. Never suffered from this myself thank god, just managed to negotiate my way out of 2 repo hearings, but you seem to have been through hell and back - I wish you every single ounce (kg ) of luck with your claim - by g'sus you deserve it.

[langhar]

sorry to butt in on your thread but i am experiancing a mortgage shortfall problem with Halifax at the moment and am desperate for some advise as it has now been passed to Wragge & Co for collection (i think they are solicitors but am not sure).
I have attached a link to my thread.
http://www.consumeractiongroup.co.uk...sion-help.html

Hope the link works.
Thanks in advance.

[bill-k]

It's about time I popped in to show you some support, me old mate. You've put the work in on this, and help many others - including myself - whilst doing so. You deserve every success with this.

Bite their bums, mate. :o

Bill.

[TideTurner]

Cheers Bill, can I return the same compliment.

I issued some 3.5 weeks ago. After their last minute Acknowledgement of Service, they asked for an extinsion of 14 days due to the complexity and time involved.

This was denied on the grounds that they swapped Solicitors from Curtis to DLA Piper in the eleventh hour, and DLA Piper needed more time to get up to speed!

Cheeky $%$%^^$.

I've kept a few Aces, and am awaiting their defence on Thursday. I'll keep you posted mate.

Should be very interesting.

Hope all's OK in your corner.

Tide