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    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
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Failed mortgage application (Natwest=useless liars!)


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Hi all,

 

dunno if I am being dumb, but I am extremely confused......confused-smiley-013.gif

 

Me and my wife are buying our first house, and applied for a mortgage from Natwest. We got our agreement in principle no problem at all, however when we applied for the actual mortgage the application failed (although Natwest's mortgage advisor didn't tell us this, but then I think she's been lying throughout the entire processangry-smiley-030.gif).

 

We got our credit reports from Experian and took them in (she told us it they needed them because we are first time buyers- ok, I am gullible!!) and 5 days later she requested we took in proof of address.

 

To cut a very long story short, we couldn't get hold of her one day so ended up speaking to their mortgage centre who told us the application has been declined (not referred to the underwriters as she had said!) due to a poor credit score.

 

On checking mine and my wife's credit report and score, we found out that we both have a credit score of 999, and there is NO credit check showin from Natwest on our credit reports..... does this mean that they actually have not done the search properly or not put the correct details in (therefore it couldn't find us, hence the failed credit check!)?? As far as I understand it, all searches should show on your report for 12 months or so.......?

 

Have I been taken for a mug?? We are now looking at telling them to stick their application and going to Nationwide...!

 

Please help.....!

 

Many thanks

 

Matt

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The mortgage advisor could have been preparing a case for the underwriters as a result of the decline. If she hasn't contacted you, do you know if she is at work/holiday?

Have you left a message on her answerphone on mobile phone(polite one of course)?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Hi,

 

I spoke to her yesterday who told me that they expected a decision form the underwriters today. She told me that she is off today but back in Friday but her colleague would ring me today to let me know.

 

I rang them at 16-30 this eve to find out what was going on, and not only did no-one know what was going on, the lady I was dealing with was off until Tuesday...!

 

She has actually told me that it is with the underwriters, she told me that the fact that it shows as a decline is a system error..... something completely disputed by her own mortgage centre!!!

 

I could rant for ever on this....!

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Hi,

 

I spoke to her yesterday who told me that they expected a decision form the underwriters today. She told me that she is off today but back in Friday but her colleague would ring me today to let me know.

 

I rang them at 16-30 this eve to find out what was going on, and not only did no-one know what was going on, the lady I was dealing with was off until Tuesday...!

 

She has actually told me that it is with the underwriters, she told me that the fact that it shows as a decline is a system error..... something completely disputed by her own mortgage centre!!!

 

I could rant for ever on this....!

 

Ok, have you spoken with any other banks with regards to mortgages?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Yeah, we have an AIP from Nationwide and an appointment to see them on Sat morning.

 

It is not as good a deal at Natwest have, but I feel I cannot trust Natwest anymore, at best, the have come across as incompetant.

 

:confused:

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