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nyvian

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  1. Hi I have received a parking charge notice from ALDI Parking Eye, because I stayed shopping for 25 minutes longer than their 1.5 hrs, thats because I couldn't get parked when I did packed store etc. I shop in Aldi stores each week in alternate locations spending appx £35-75. I'm livid. So can anone agree/disagree that Private parking law is different than Borough Law. Ie they can only charge the cost that I may have cost them....25 mins! By the way they don't charge for parking. They say "If I can prove that I was shopping (despite me giving their own brand names from my fridge!!) with a receipt (which I can't! I have receipts from their other stores) they may squash the charge" only reason for me bring in that part of town is to shop in their store. Any advice please. Huge thanks Nyvian:mad2:
  2. Hear, Hear. I'll sign ANYTHING that removes the insipid so called justice givers!
  3. Hi Consumer forum please help, n o matter how many professionals I ask I'm getting several conflicting answers. My husband is thinking of filing for bankruptcy, however that's ok for him but I have supported him in his business and put the deposit down on the house we live in to the tune of £57k. I also paid off his c/c(monthly) to the tune of £7k. I invested in his failing business because of his pleading to the tune of £11k! Now he wants to go bankrupt( I don't blame him) & wants to divorce me giving me his share of the equity in the house. Because he lost the "repossession case" with Lombard they have put a charge on HIS share of the equity, the judge ruling If you have no equity in the house they can't touch your wife's share nor force you to sell!" but I'm really worried, this is my 2nd marriage and the money I put down on the house as deposi,t I wanted it to go to my son (eventually). Where do I stand with the bankruptcy should I divorce before his files for it? I also think divorce is the best thing as it will give me back my excellent (once) credit file if I'm not attach to him. And to add insult to injury the house has got subsidence from next doors trees( being dealt with by the insurance company) Life can't get worse. ......I do blame him for these mistakes as he never listens to anyone advice. Please anyone, does anyone know where I stand in all this. He agrees with me getting my deposit returned & the investment & other payments I've made. Thanks so much T.D
  4. hi again, please explain this :Send this request including the £10 fee to the address which your data holder has registered with the Data Protection Commissioner as the address of the Data Controller:- Information Commissioners - Data Protection Public Register (new address: Information Commissioners - Data Protection Public Register) I'm afraid I'm completely in the dark as to whom this might be, do you mean Lombard, who is my "dataholder" regards Nyvian
  5. Thank you for that, but when I applied to Santander for the SAR in July I still haven't received it. I think the big guys will always try to bend the rules, I'm just waiting to see if it arrives in Sept. And now I'm waiting to see how long it takes Lombard. Also concernng vehicle Surrender: Rang Trading standards to ask if the CO. LBM who hold a CCL can get finance for others companies awaiting a reply. Rang Citizens advice they saif they'd get onto Trading standards, rang OFT they said it wasn't something they deal with go to Trading sandards. Awaiting T.S call, also advised by C.A to go to Ombudsman & use the advice given to build defence. But I have to say got more straight talking help from u guys so far. Huge thanks. Nyvian
  6. We asked 3 times for all paperwork signed or unsigned paperwork and proof of any form of communication...........they said they didn't need to provide it. we have sent the £10 for such items but I feel more important than that is the fact we didn't sign any contract under a dealer called L.B.M. The invoice for the car from mercedes is in the name of F.L.T.D delivered to F.L.T.D Ever the so-called identity verification is also not my hubby's! Are these facts not valid enough? Also why didn't they call part us to tell us of the sale of the car & any outstanding balances? The man who was jailed for his unethical business practices, does the L.B.M have a C.C.L to be able to allow other dealers to put finance through their business.I doubt if L.B.M done these deals for nothing? There was no phone calls to us from Lombard, no emails to communication what so ever. When they took the car they NEVER gave my husband the paperwork they're supposed to. My husband to to several car dealers and asked if they "borrowed" money from a finance co to pass to another dealer, they said sounds dodgey! I read lots of the letters on your site only to find too many dealers are getting away with blue murder when it comes to car finance. Some people are not even shown the contracts, isn't that strange?
  7. Vehicle repossession: Just to let you know whats happening the strangest of things. I applied to Lombard for the signed original contract. It arrived with whats proported to be my signature & a "witness" signature with the name of a dealer I never knew or seen L.B.M, it is a forgery! I asked Lombard for a computer printout of all payments arrears etc. a piece of A4 paper arrived with a very unprofessional listings, no dates or printout! weird!. So I applied for all SIGNED paperwork, & ANOTHER contract arrived with the same forged signature but this time the witness has changed names, How can it be that a ORIGINAL can have two different names? Also the name of the dealer listed on the so-called contract L.B.M has never seen me before or heard of me, so how can the contract be signed on his business premises with his guys as witnesses? I went to court in Sept & asked for the charge to be set aside, I now have to produce evidence as to why it should be set aside. And I want to prove I never signed a contract with Lombard. My only paperwork was with F.L.T.D Who went to prison for fraud!! How can I be held to Lombard T/C if I never saw a contract until july 2012, with a name of a dealer I never met or know. I was always asking TFLTD for a copy but it never arrived then I heard he was in prison. I also learned LBM has arranged other finance for FLTD previously & was in danger of being taken to court for £200k through their dealing with FLTD. His solicitor told him to close a part of is company that didn't have much to offer so they closed LBM LTD to stop Lombard from getting their hands on LBM money! In the solicitors letter to me it also states Lombard used a debt collecting agency called Link Financial to try to get money from me. I wonder why a company like Lombard would use a debt collector to get money after only 1 month & before they tried themselves? They said they sent a shortfall letter in NOV 2009 they sold the car for £10,500 one month after I surrendered it. I have never heard of them, so I rang them gave them by name & p/c as asked by the rep, she said we have no record of ever doing any business with you as a debtor or otherwise!! Why would Lombard lie? The invoice I obtained from Mercedes states the car was sold to F.L.T.D & not me. Lombards solicitors letter also says "they" repossessed the car.......They didn't I surrendered it! the calculations are also out they're trying to say in Nov 2009 I owed them £11,500. I repaid £11,865 they sold it for £10,500 = £22,365appx. I only knew how much it sold for when all of this happened, they never contacted me whatsoever, I honestly thought the money they sold the car for settled the debt & thats why I never heard from them in 30 months, until Nov 2011. How could I owe them over £14k even if the contracts were not forgeries. So now I'm getting my defence together & it has to be in in 10 days. Any advice on this new information & forged paperwork? Totally grateful as usual. Please forgive if info duplicated but I don't get to get on often enough. Much thanks Nyvian
  8. Just to bring "vehicle surrender" up t date. Got the requested "copy" of contract( x2!) with so-called witness signature. It cannot be a "copy of original" otherwise tlhe witness signature would be the same, or at least the same handwriting, it clearly does not, it doesn't even have the same NAME! Also a solicitor who has looked at my so-called signature on the so-called original & states it's a copy from another source! So I went to court on the 13th. with "some" (as I don't want to show my hand just yet) evidence & to have the charge on my house set-aside. The solicitor Lombards sent was very unsure of herself stating "lombard" only want to secure their loan money! I told the Judge I had never set foot on the "so-called dealers premises so how could I have signed a document" & the only contract I signed was under a dealer that has just served 18 months (from 3 yr. sentence) for fraud. I also got a copy of the original invoice from Mercedes & it doesn't state the "so-called dealer" but the ex-cons business is listed as the dealer.I then approached Lombard & insisted they never contacted me as they said they had done, & I didnt know I owed them anything as I believed the car being sold & the payment I made would have covered the loan. I then received a letter from Shoosmiths(their solicitor) stating they had used Link Financial to try to obtain the money in Dec 2009. !Q. why would any co. use a debt collector to obtain money when they never contacted us to say we owed it especially as the car only sold in Oct 2009, only 2 months later they put it in the hands of a debt collector, without ever trying to contact us to get it back for themselves!!! 2.I rang Link on the 12th Sept 2012 & asked them to verify us as being on their data base giving them name & post codes. The person checked twice & said you are NOT on our data base. I asked them to send me that information in writing, she said send an email & they will respond. I have now sent 3 emails to the addresses given & they have all bounced back. I've rung them to get a valid email but meeting with very aggressive male reps. I then sent an email to Shoosmiths stating Lombard should not have sold my debt to Link Financial & having done so were breaking the d.p.c. Shoosmiths latest email states "Lombard didn't sell your debt to Link meerly asked them to act on their behalf" and yet Link have no knowledge of me!! Next step I'm meeting with the so-called company I'm supposed to have signed the contract with. Does this look Lombard were willing to accept a forged document & 2 forged witnesses?. Does this look like I might get it thrown out all together. I must send ALL evidence to court within the next 16 days. Any ideas to help? Thanks muchley N
  9. Just spent 1hr. writing about the weirdness on this case, and I hit some bloody button accidently & lost the lot!( GAWD help me this awful laptop) 12th Sept due in court. Will rewrite the entire dodgy dealings so you can see why it's dodgy. Tomorrow good night
  10. Forgive me, but does this not break the rules of BCOB OR COB, and " making your bank treat you fairlY" Does this mean this is just another rule to be broken by the banks! confused I am.
  11. Hi I'm hoping someone can help. My husband, through a "dealer" arranged finance from Lombard for a car he wished to buy from Mercedes In Leicester, The money (we think, checking at the moment!) was paid directly into the dealers business! The car was to be picked up from Mercedes on a appointed day, but it wasn't possible as the dealer hadn't paid Mercedes any money! My husband was told by the dealer "it's mearly a glitch" I'll sort it!! Some time later appx 5 weeks the dealer gave him a contract to sign, my husband is not up on Lease hire , Purchase lease hire, or Purchase hire, or indeed any Lease anything(!) So he was given the contract without ever understanding or being told what he was signing, no checks were made to see if the contract was the one most suitable to his financial needs, and no explainations as to what he was signing, but because he trusted the dealer just "signed on the dotted line for a total amount of £29,200 the figure on the contract with the box "fixed" term ticked, no interest figure shown either! A £2000 deposit was paid leaving a balance of £27,200 that was in 2006. He repaid 21 months of the 60 month contract @ £565 p.m =£11,865. And in June 2009 (due to circumstances beyond his control)he could no longer afford to pay for the car he contacted someone to come & take the car away. The dealer wasn't in business any longer as he was in prison serving time for "misdealings". After the car was voluntary returned my husband never heard from anyone not Lombard or anyone else as to who sold the car or what it had sold for. He assumed the car must have sold for the value that paid off the £27,200. In Nov 2011 a letter from Lombard solicitor "Shoosmiths" stating they acting of behalf of Lombard had applied to the court & were going to put a charge on my house until £14,039. was paid in full! Why that amount? ( I think they deliberately waited that long to get maximum charges) The hearing was to be 21 July then postponed it when we asked why they wouldn't give a reason. It was only then we learned the car had been sold for £10,500.865 Now the £11,865 + £10,500 = £22,365 & shortfall of £4635. And he gave them the car back 30 months before end of contract as agreed by them. Why £14 039.? He contacted the solicitor & Lombard sending them a letter from your library stating we could not allow a unsecured loan to become a secured loan and as he had other creditors he wouldn't allow them preferential status! They seem to have ignored those letters twice! We also sent for a complete list of payments made which arrived, from their solicitor but was so crudely done, just a list of D/D. And charged to dispose of the car. Very unprofessional a4 paper, no arrears column, no D/D column. Why did they not send a computer printout of all payments and any defaults & interest charged and any arrears! Isn't there a law somewhere that states the lender must be responsible and not appear to make charges which would benefit the company only( excuse my lack!) Also I saw somewhere on your site there was a law that any documents signed before 2007 may not be enforceable? Can someone claim "diminished responsibility" at the time of signing or show that they didn't know what they were signing due to all sorts of pressure, or that the dodgy dealer was doing this type of contract for his own benefit? The dealer by the way is just out of prison. And my husband is due to go to court on the 12 Sept. I as the wife cannot allow them to get hold of what would be his share of any equity as he in a document which he signed his share over to me & was witnessed by a professional person for monies I gave him to invest into his business when he was goig through a rough patch in 2008/9/10. The house is in negative equity & has subsidence ( insurance co's are aware) can this get any worst what happens next, I'm beside myself with worry. Thanks for any help. P.S the video on " where to post is the best thing for me & has answered my questions" Thanks Nyvian
  12. OFT.....They're a complete waste of YOUR time. They said they were satisified that Santander "tried" to resolve & help us to resolve the matter. HOW! The harrassed ME with 17-20 automatic calls per day. Press 1 if you are so&so.....PRESS 2 if not, so I pressed 2 the the auto voice said "ask Mr. so+so to call us! No number nothing!!.........how can that be helping. Kick out OFT not worth the bankers money!! Now going to send a letter ( your template.HUGE THANK you) asking them to cancel the reminder of the debt due to hardship harrassment they put me through & the hardship they inflected on me. Wish me luck. If not small claims court. Thanks for all the templates & help N
  13. What is the correct forum? I clicked on vehicle repossession!! I see people looking but don't know where to go!!! thanks for help.
  14. Hi I found where to do a new post!!! So now that I have found it can stu287 elaborate when he said if one has a "car lease purchase agreement that the company shouldn't have repossessed their car even with their blessing & That it was illegal & they broke the law"...... would u please elaborate. My husbands story is like that persons he purchased a luxury car in 2006 through a car dealer who's now in jail!!! for £27k the deal was over 60 months (finance from Lombard) the premium paid was £575 pm with £2k down. When his (hubby) business started to suffer in 2009 he told them (lombard) he couldn't afford it so they came & took the car and sold it for £10,500. He had already made £12,500 payments within 30 months NO WORD was heard from Lombard for 2.5 yrs. Until a letter arrived stating they wanted to put a charge on our house because he owed them £14k!! & the court day was July. I sent them your letter stating that we couldn't allow a unsecured loan to become a secured one. It didn't seem to work, however they cancelled the court day ON THE DAY, we rang them to ask how come we owe so much & asked for a complete breakdown of payments apparently monies paid back inc the car sale achieved £24,800. so surely we only owe the difference? Also I read the difference between pcp lease etc & normally there is a BALLOON payment at the end, the contract doesn't mention that, also if these kind of lease are usually for businesses why is it in MY HUSBANDS OWN name & not his business name? Anyone help with this. MUCH OBLIGED for any advice. Forgive any spelling mistakes as when I this wound up I can't think let along type................
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