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    • Hi LFI, With regard to the ANPR cameras in your post #65, while I was on the phone to the Planning Department, they did take a look at Google Streetview and went back to 2012 where they could see the ANPR cameras in place so therefore they would have deemed consent. I had previously read the T&C Planning Regulations and had read the section on deemed consent so I understood the point they made on the phone. It doesn't matter though, that doesn't harm my case any, and I shouldn't really mention this now, (this is what you reminded me of on another thread) but in the past I was a member of a scheme that gave me access to legal advice, I have spoken to a barrister previously through this scheme on another matter and I think I am still a member. I am going to check if I am still a member of the scheme, and if I am I will discuss my case with a barrister or solicitor, whichever the scheme deems appropriate. I will let you know the outcome. I am also going to take Bankfodders advice in the sticky and go to the local court and ask if I can sit in on a case in the Judges office.
    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx Yes sorry. they called it a deed at first in court.  Then Judge said she was happy to have it sealed as something else  exact names of orders in message above.     The disease was tested for when his cardiac testing was done immediately after purchase and part of the now sealed case.   However, results were disclosed incorrectly and I only found out  two days ago.   This disease did not form part of my knowledge during the case as I had been informed of a normal result that was not the case.   it is perfect clarity of a genetic disease where as the previous cardiac issue could be congenital until the pup is genetically tested. 
    • Hi, Halifax recently sold a credit card account of mine to Cabot. I am unemployed and have no assets and was thinking of making token £1 payments for 12-18 months in order to drag things out a bit and reduce the chance of Cabot being able to get the correct CCA documents from Halifax if I requested them in future. However, I saw on the pages on this forum about defending county court claims that one of the standard approaches when defending such claims is to say “I had an account with bank X, but I don’t remember the details and so don’t know if I owe this debt…”. If I made £1 payments to Cabot, would it prevent me from using such a defence in future? OC: Halifax DC: Cabot/Wescot Card account opened: 2016 Defaulted: 2023
    • Paperwork says sealed consent order and composite settlement agreement      YES  ADDISONS DISEASE 
    • Hi, This may be the wrong place for a thread BUT If you receive a defence, can you send a CPR 31.14 request for document mentioned in the defence, and then apply to proceed with the case only after (14) days passed or they respond OR is it only if you receive a claim I see @dx100uk thread is for when you receive a claim, but can you also do the same when you receive a defence?
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Mortgage Compensation Claim..Interest only miss sold ?


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Hello

I hope I am posting in the right place.

I took out an interest only mortgage in 2007 for 17 years,

it has 6 years to go and I have hardly paid anything off the balance

I am unlikely to be able to pay this off when the mortgage completes in 2024.

 

I recently saw an ad for compensation claims for mis sold interest only mortgages, the broker that sold me this mortgage never asked for proof of earnings (I am self employed) he said there was no need as I could self certify.

 

I think I was mis sold this mortgage and wondered if anyone had made any such claim for compensation, or used a claims company.

 

Any advice would be appreciated.

 

Thank you

Edited by dx100uk
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May be of interest to you...read the link in post#11.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?485739-25-year-mortgage-about-to-end-advice-needed!(1-Viewing)-nbsp

 

Thread title updated

 

Regards

 

Andy

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Yes I was self employed and could not produce audited accounts, the broker I uses suggested I use a self certification mortgage. I do have all the paperwork and I have recently obtained everything from the mortgage company by way of an SAR, including the original application form and agreement.

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so waht is your plan B? you have 6 years to start either paying off the capital and then remortgage or you seek advice about a new repaymant mortgage now. bemoaning your fate of the last 17 yersr wont help, you knew that you have to pay off the capital at some point so eve if you were missold a particular product you wont get compansation that will make even a scratch to the mortgage. yu are essentially damned by your own words as you cant sus someone who you enter into a criminal compact with.

Going to an ambulance chaser will cost you more money and delay the inevitable

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