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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
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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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