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    • Nick Wallis has written up the first day of Angela van den Bogerd's evidence to the inquiry. I thought she was awful. She's decided to go with being not bright enough to spot what was happening over Fujitsu altering entries on the Horizon system, rather than covering up important facts. She's there today as well. The First Lady of Flat Earth – Post Office Scandal WWW.POSTOFFICESCANDAL.UK Angela van den Bogerd, on oath once more It is possible that Angela van den Bogerd and her senior colleagues (Rodric Williams, Mark Davies, Susan...  
    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • 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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Dealing fairly with interest - only mortgage customers who risk being unable to repay their loan


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There are many people who find themselves in my position

 

. Interest only mortgage coming to the end and there are either insufficient funds or no funds to repay the capital sum.

 

In my case I took out a 10 year Interest Only Mortgage ( Idon't know why it is only 10 years)

 

I have contacted Santander a few times over the last 2 years to see if they would extend the term but they just refer you to customer services to start a whole new loan

 

. I no longer fit any criteria to get a loan

. I have never missed a payment even though I am on a very high rate compared to other lenders or teaser rates

 

. I am now retired with a younger wife and four-year old son

 

. I got until February 2017 to find an answer to my problem.

I have read the FCA guidelines 2013 but its just guidelines and Santander doesn't wish to play ball.

Anybody got any ideas?

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They must treat you with forbearance are you able to make any realistic proposal to satans?

 

you could also look into possible misale of the mortgage

 

But in the long term your solution may have to be sale

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 6 months later...

I see some Mortgage Lenders are offering to extend their mortgages.

The FCA guidlines says something about treating the customer fairly and coming to a reasonable solution.

I don't see why they just can't extend the mortgage. I've never missed a payment.

Also I no longer fit their criteria to get a whole new loan.

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  • 1 year later...

Hestia,

 

Start your own thread with more information

In particular name of lender, how long left, payment and credit file status (all up to date?)

Ages of borrowers,and percentage of equity you own

 

Some banks are providing solutions

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 4 months later...

I have managed to get a few 10 year interest only buy to let mortgages extended, every time the length increased so did the monthly payment.

 

It seems lenders use it as a opportunity to get more money out of you although my experience is its time consuming an stressful an outcome is not guaranteed ( but more likely to grant extension of length if lender getting increased payment), annoying thing is I do not know why they were all originally 10 year loans I would never agree to such a short length nowadays.

 

I think in those days was much easier to get re-mortgages.

 

I would say typically lenders are keen to see a portion of the loan moved onto repayment, all my loans I was not in a position to remortgage due to bad credit file.

 

So I negotiated with the existing lenders an did get advice from business debtline who were very helpful.

 

Hopefully this may help someone.

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