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    • depends what the fees are, typically nothing can be added once judgement is passed bar litigation costs. on document retention time limits etc at least 6yrs previous must be held though many hold complete info. as for acronyms and abbreviations ideally yes they should     
    • Still have to submit a statement either system....if they fail they can only give verbal because they failed to file and serve.
    • OP stated they had been arrested, but not charged (let alone convicted). They DON'T have a criminal record, but do have an entry on the PNC. That information stays on the PNC (Police National Computer) for life, but doesn't get released in a standard DBS. It only MIGHT get released for an Enhanced DBS (eDBS) check  ... but it would be incredibly unlikely. (The rational behind this is that eDBS's allow for 'information at Chief Officer of Police's discretion' ..... this covers the 2 'barring lists' and is also intended for the scenario where someone has multiple arrests or investigations, where safeguarding is a concern .... it was brought in after the Soham murders / Ian Huntley case, where the information known about the now-convicted child murderer may have prevented his employment in a school, had it been made available). So, for the sake of accuracy and completeness, arrests stay on the PNC for life, wont appear in a standard DBS, MIGHT appear in an eDBS, but in reality, would be the exception rather than the norm, and I can't see them being released  to a defense barrister. What then if the defence found out a different way, and brought it up in court?. Again, unlikely, but the important feature is that the judge would make sure they trod very carefully!. They MIGHT consider using it if there were other factors that allowed them to try to cast doubts as to the truthfulness of your evidence, but on its own : No way. Anyone MIGHT be arrested (if a seemingly plausible complaint been made against them)! The approach to take if it did come up is to be truthful. "Yes, I was arrested. It arose from a vexatious complaint. I wasn't charged, let alone convicted. That could happen to any one of us, if a vexatious complaint gets made" Far better that than lying, saying you'd never been arrested, and getting caught in a lie : that would ruin your credibility. I'm incredibly doubtful it will even come up, though.
    • we dont get N157 because its new OCMC but no court dont have evidence either.   Just seems a bit of a pointless wait but oh well
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Halifax Mortgage - Redemption Charges


jmc5571
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Not sure if this thread is in the correct place. But looking to persue redemption charges of £3180 plus £100 adminstration charge. Found a thread yesterday about this, but can't locate it anymore. Nightmare4banks was going to give me a bit of advice on whether there was a potential claim. So if you see this dude could you give me some guidance.

 

Mortgage £318,000

Fixed rate for two years at 4.99%

Redemption 2% in first year

1% in second year - left on 1 year 1 day.

Standard Variable 6.5%

 

I'll keep an eye out for any feedback. Thanks

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Hello,

 

If redemption charges are your thing, have a look at this thread: http://www.consumeractiongroup.co.uk/forum/showthread.php?t=7328&page=3 It has a pretty lively debate.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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  • 1 month later...

Hi

 

Personally I would be more than happy with that result. I think I have the same 4.99% fixed job. But I want to redeem 6 months before term and they are insisting on £11000 which is 5% of a £230,000 mortgage. I feel more than sick. Not entirely sure what to do it seems so grossly unfair

 

A

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Have yo thought about porting the mortgage to save paying redemptionfee

-----------------------------------------------

Mortgage Express charges- settled in full after issuing claim

 

------------------------------------------------

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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Just roughly worked it out there: You saved £4801 in 1 year, compared with standard variable rate.

ie. if you had taken a flexible rate, you would have been paying £400 per month more, you have actually done well, even with this redemption...

-----------------------------------------------

Mortgage Express charges- settled in full after issuing claim

 

------------------------------------------------

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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  • 5 years later...
Not sure if this thread is in the correct place. But looking to persue redemption charges of £3180 plus £100 adminstration charge. Found a thread yesterday about this, but can't locate it anymore. Nightmare4banks was going to give me a bit of advice on whether there was a potential claim. So if you see this dude could you give me some guidance.

 

Mortgage £318,000

Fixed rate for two years at 4.99%

Redemption 2% in first year

1% in second year - left on 1 year 1 day.

Standard Variable 6.5%

 

I'll keep an eye out for any feedback. Thanks

 

Back in May/June 2009 My wife and I remortgaged our house from the Halifax to TMB (The Mortgage Business) to gain part of the funds to pay for a house extension

During this process of remortgaging we were charge the usual MEAF's as well as a early redemption fee of over £5600.00 on a £170k mortgage

Apparently the reason we were charged the early redemption penalty was because that we were moving our mortgage to a different lender, I asked our broker at the

time was it correct we were being charged this extrodenary amount of money as an early redemption penalty as we in effect were not moving lenders at all because

TMB (The Mortgage Business) were and are a part of the Halifax, and all we were in effect doing was moving departments rather than lenders.

 

Is this a financial legal loophole that Halifax is exploiting?

 

Can anybody tell or advise us as to the validity of Halifax's actions in deducting such an amount of funds from this re-mortgage situation.

 

Any info regarding this matter would be greatfully received.

 

Thank You!

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