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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Interest Only Mortgage - ending 7 years


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Hi

 

I'm after a bit of advice.

I am currently interest only on my mortgage and owe approx 63000. This ends in 7 years. I am in no position to remortgage. Because of my poor credit rating and type of house I'm in.

As I know this 63000 needs to be paid. What is the best way. Do I up my monthly payment to my mortgage company or save up over the 7 years. (I actually thought I had longer)

 

Thank you

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Hi.

 

 

Have you spoken to your mortgage lender? They should be able to advise on the best way to reduce or pay off your mortgage.

 

 

 

They might also consider converting your loan to a repayment one, possibly extending the term of it to make the payments lower. I think it's going to be difficult for people here to advise you in depth because you won't be able to put that much information on an open forum.

 

 

HB

Illegitimi non carborundum

 

 

 

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Well if your credit rating is poor now in 6yrs if all your debts are defaulted they should not longer show.

 

Many co.s now do extension on int only mortgage s

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I am currently with acenden who I believe is going to Kensington from 1st December.

I didn't know that could be done in extending your mortgage to pay it off.

I probably wait until Kensington take over before I ring them.

Just wondered if anyone could speak of their personal experience

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Oh god 2 of the worst lot to be with

Their mortgages are designed to make you fail from day one

 

I see you already know this...

https://www.consumeractiongroup.co.uk/forum/showthread.php?463799-Acenden-repossession-court-order

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

what collateral do you have in the property?

If it is worth substantially more than the debt you should be able to transfer your mortgage over to a proper lender and then pay it off as a normal repayment mortgage.

 

How old are you?

If you are under 50 most of the big banks will be happy enough to lend to you but many smaller lenders wont want to offer you a good deal with a poor credit record.

 

Also, is property freehold or leasehold?

If the latter how long left on the lease?

makes a difference to their attitude as well.

Edited by dx100uk
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Oh god 2 of the worst lot to be with

Their mortgages are designed to make you fail from day one

 

I see you already know this...

https://www.consumeractiongroup.co.uk/forum/showthread.php?463799-Acenden-repossession-court-order

 

Yeah. My arrears are now cleared. So. Owe 63000 including 8000 costs theyve added onto my total of 55000

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what collateral do you have in the property?

If it is worth substantially more than the debt you should be able to transfer your mortgage over to a proper lender and then pay it off as a normal repayment mortgage.

 

How old are you?

If you are under 50 most of the big banks will be happy enough to lend to you but many smaller lenders wont want to offer you a good deal with a poor credit record.

 

Also, is property freehold or leasehold?

If the latter how long left on the lease?

makes a difference to their attitude as well.

 

I'm 41.

Now your talking mortgage terms, I don't understand. I was. Blindly signed into the mortgage I didn't know at the time of. Signing what I was signing. Mortgage advisor was useless.

I live in a bisf property which is very hard to get a mortgage for and at the time it was preferred mortgages. In which I get annual statements from them. But my payments have been made via acenden

I'm probably better off going to a trusted mortgage advisor.

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you need to get an sar running

get all the statements and get back any penalty fees they've charged inc any insurances building/contents /PPI

the ONLY ins you must have is buildings

if you already had that then they must refund their compulsory one if they've charged you it.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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