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gbi

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  1. Thanks for all the responses, I like the idea of the signature with the cross through it! The problem is that the mortgage has now been bought/sold and taken over so many times it is difficulty to keep up, the latest outfit (The Morthage Works) who are now responsible for the day to day administration are absolutely terrible and in the rare times when they do respond the information is normally completely inaccurate. Unfortuantly it look like I will have to jump through their rather annoying hoops and we will see what happens next. Will keep you informed. Actually one last question, does the 40 day time limit still apply from the 24th August or will the whole process have to start again despite me submitting the correct info in the first place, including the historic and current account numbers? Thanks GBI
  2. Hi citizen B, Thanks for the response, hopefully you can read my original SAR request letter as that was a PDF. I have re-attached the response from Nationwide as a PDF to this post so hopefully it works. Thanks GBI SAR_Response_InfoNotFound_Nationwide_080911.pdf
  3. Hi All, new to this and hope you can help and also hope I am in the correct forum? We have had a mortgage with E-MEX Home Funding for 6 years now, it was originally with Kensington, changed to Rooftop and now is with E-MEX who are owned by Nationwide Building Society at the top of the tree. We had some financial difficulties several years ago and ran up an arrears balance which we are currently reducing, throughout the process EMEX have been extremely aggressive in their chasing (we currently have a suspended possession order which they have tried to enforce on several occasions unsuccessfully.) During this time they have registered multiple fees & charges totalling in excess of £11k, they have also been taking funds we have paid towards the arrears and applied them to additional interest charges instead of the arrears balances. As a consequence of their behaviour I finally decided to fight back in July this year, I started by raising a complaint with the Financial Services Ombudsmen, providing our account numbers and all relevant information. EMex eventually replied to this complaint claiming that they could not find our account details so the complaint is currently on hold! Following this I decided to submit a SAR request directly to EMex (via The Mortgage Works who now administer all Emex accounts as from August this year) with a view to manually digesting the information myself and re-submitting the complaint to the Financial Services Ombudsmen with all the specific details of the mis-charging, mis-appropriation of funds and unfair behaviour with dates/times/amounts. I used one of the approved SAR templates from this site (I have attached a copy of my SAR request for your reference) and enclosed a postal order made payable to The Mortgage Works for the £10 fee, I also did not sign the letter as advised in these forums. This morning I have received a response to my SAR (copy attached for your reference) dated 1st September 2011 (SAR submitted on 24th August 2011) stating the following: 1. 'Unfortunately we are unable to process your request as we are unable to locate any information on our system. Please advise us of the appropriate account numbers, addresses and dates of birth. Please note we must receive the details in order to proceed with your request.' - These details were provided (with the exception of our dates of birth) in my original request! 2. 'Unfortunately we are unable to process your request as the postal order is incorrect. Please make your cheque/postal order for £10 payable to Nationwide Corporate Account / your name and return in the enclosed pre-paid envelope. Please note the fee must be received before we can release the details.' - The postal order I sent (and was enclosed by Nationwide with this letter) was made payable to 'The Mortgage Works' who I pay my mortgage to on a monthly basis and who I have been advised my Emex to address all correspondence to! 3. 'We also require your original signature in order to process your request please could you fill in the attached form below and send back in the pre-paid envelope enclosed.' - Your forums advise not to send any signed documentation to lenders in case they have lost paperwork and use the signature to duplicate such items. I am sure this is standard blocking tactics, similar to the ones they have used to try and de-rail the complaint to the Financial Ombudsmen however I would be very grateful is someone out there could advise me how to progress as I am sure what they are asking for is not in order. Apologies for all the information but I think it is relevant, please ask if you need anymore. Thanks in anticipation! GBI EMex_SAR Request_240811.pdf
  4. Hi RC, I am not sure it was the bailiff's fault yesterday, he seemed like a nice guy and was genuinely embarassed about the situation. He was continuously bombarded by calls from his office while the events unfolded and admitted to me he was new to the job and was not happy with what was being done!! I will PM you the full details of the story so far and would happily join your campaign and also promote to other people who have suffered the same. My main issues of complaint were the fact that Newlyn had charged me for 3 visits I know they did not make and then their blatant attempt to extract cash from me after I had advised them verbally and in writing that I had submitted the OTT forms to Northampton TEC. They need to be stopped! Regards GBI
  5. I have just had exactly the same, they wrote to me on 6th Jan claiming claiming £420.09 for 3 apparent visits to clamp my vehicle. I work from home everyday and the car is for most of that time, I did not receive any paperwork from them or a knock on the door. I phoned them upon receipt of the letter to challenge and they insisted that I put this in writing. I did this and have not had a response. Last night they came and clamped my car demanding the total of £548.09, I managed to convince the bailiff to release the clamp if I paid him £200 then and the balance today, he agreed! First thing this morning I submitted an Out of Time declaration at Northampton, I advise the bailiff of this and within 10 minutes he had clamped my car again. Following a furious conversation with my local council the bailiff has just returned to release the clamp and my council have insisted that Newlyn refund my money immediately, I am currently holding on Newlyn's Helpline to find out when I get my Cheque! I would be very interested in joining any class action as their behviour through all of this has been disgusting. On a lighter note their bailiff turned up in a convertible Porsche last night!!
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