Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

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BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


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Thread: Mortgages

  1. 15th July 2006 00:02 #1
    sues35 sues35 is offline
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    Default Mortgages

    Sorry if wrong place, but can i claim back charges on a mortgageicon that i ended last year? I remortgaged last year and the old mortgageicon company applied excessive charges which were then paid off by and added to new mortgage.
    If so how would i go about this? Is it the same process as banks?

    Sue

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    All advice is given purely from personal experiences . If you are in doubt you should always seek legal / financial advice .
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    Halifax Claim
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    LBA: 11/07/06,
    N1: 7/8/06,
    Paid in full 25/8/06

    Swift Claim
    Data Protection Act: 5/8/06,
    Request for Payment 19/8/06,
    LBA 4/9/06
    Sod off response with paltry offer (accepted as part payment) 22/09/06
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    GMAC Claim
    Data Protection Act 21/08/06
    Request for Payment 11/09/06
    LBA 25/09/06
    N1 Filed 11/10/06, deemed served 19/10/06

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  2. 15th July 2006 00:06 #2
    hagenuk hagenuk is offline
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    Default Re: Mortgages

    Yes. I am doing just the same thing, the letters need a little modification but aside from that the process is identical.

    SARicon (unless you have all paperwork relating to the charges) preliminary letter, lbaicon then N1 or MCOL.

    iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.
    Vanquis - Claim issued, no AoS or Defence received
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  3. 15th July 2006 00:07 #3
    sues35 sues35 is offline
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    Default Re: Mortgages

    Thanks Hagenuk

    Will do the paperwork tommorow as im almsot blind from reading tonight

    All advice is given purely from personal experiences . If you are in doubt you should always seek legal / financial advice .
    If i have helped in any way please let me know via personal message, IM in aol or clicking on my scales go on you know you want to really!!


    Halifax Claim
    Data Protection Act: 20/06/06,
    LBA: 11/07/06,
    N1: 7/8/06,
    Paid in full 25/8/06

    Swift Claim
    Data Protection Act: 5/8/06,
    Request for Payment 19/8/06,
    LBA 4/9/06
    Sod off response with paltry offer (accepted as part payment) 22/09/06
    N1 filed 25/09/06, deemed served 11/10/06
    No part payment recieved to date


    GMAC Claim
    Data Protection Act 21/08/06
    Request for Payment 11/09/06
    LBA 25/09/06
    N1 Filed 11/10/06, deemed served 19/10/06

    Welcome
    Data Protection Act 11/09/06
    Reply With Quote Reply With Quote
  4. 15th July 2006 03:58 #4
    breadline breadline is offline
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    Default Re: Mortgages

    Hi Sues 35
    Pleae follow links at the base of this post.
    "list of banks" will take you to designated threads it will be here you should find your mortagage company and make a 1 and only thread regarding your case.
    keep it updated with correspondence and dates as these are essentila for readers to get the full picture.

    regarding Mortagages many peopel are asking if they can claim back early cancellation charges, these charges are none refundable due to it being agreed as part of the contract when you signed to borrow and you would of at that time been advised of the amounts to be charged.

    please give as much details as possible when using your own thread.

    also dont forget to pop into the Bear Garden for alot of off topic fun,
    BL

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