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About sharpgun

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  1. Ombudsman administrator has come down on my side on everything but Barclays still not having it. So now it’s to the ombudsman himself.
  2. Yes but they say I still have debt but my mortgage now covers the old arrears. But they refuse to accept it. Even though I am paying the mortgage
  3. I recently remortgaged with Barclays to reduce my monthly out goings and to clear an arears amount which was due to ill health. Four years ago I was made redundant from work and then had a heart condition which meant I couldn’t work for a couple of years. went on to interest only, and in all this time I never missed a payment. two years ago started a new business and started to get the arrears down paying a substantial amount on top of my repayment figure. After about a year I rang the arrears dept to try and get the figures lowered and they advised me to go to my local branch and meet an advisor, which I did. I was surprised to learn that I could extend my term and fix my mortgage for five years. By doing all of this it wipe out my arrears saved me 1500 per month. The remortgage then went to the underwriters who after some questions approved the remortgage. The papers came through and every thing seemed fine. During this period I had open heart surgery and was extremely ill for months. after a couple of months went on to my credit file and found that the marker was still on. I rang Barclays to see why they hadn’t taken the marker off. They told me that my remortgage was nothing to do with the arrears which it clearly was. After many phone calls and much distress from complaint handlers who were clueless and many emails I decided to send all my paperwork to the banking ombudsman. I told her the story and eventually she got and realised I had not only been badly treated but I was totally right on everything that I complained about. Barclays admitted they were wrong but offered no resolution that would be in my favour other than offering a measly 2k in compensation. The first part of the ombudsman approach they have come down in my favour on everything but Barclays are still refusing to accept they must honour the agreement which they had agreed to. My question to you guys Is should I go down the legal route or wait for the actual ombudsman to make his final decision. This is very complicated but I know I am 100% right and feel like the bank are trying to bully me into getting a new mortgage again. Your thoughts would be appreciated.
  4. The chrage is for consumer loans and yes I have all transactions the last payment being in 2008 but the loan is agreed with no interest at all nil. and it did have 250 pounds of ppi included in the loan. so from what your saying then I will have to pay a negotiated amount.
  5. Just got this back because it was under the 1974 credit agreement is it enforceable???
  6. What does seem funny was there was a second agreement signed which was repayment and they havent sent that agreement which is the one that is current. the one that they did send has been fully repaid!!!!
  7. Where do I find the library to get a SAR template?? not been on here for a long time. Also is there PPi on this agreement?? Cheers
  8. Hi Andy, it was originally interest only then I think it was changed to repayment but we dont have any paperwork, they only just sent the interest only agreement through. Not the agreement after. I suppose I need to SAR them ?? About 10 years ago I took the second agreement to a solicitor who said that he didnt feel that the paperwork was right but that because it was over 25k the was no way to fight it. But I now know that that 25k has risen?
  9. I dont know but but Manchester building society have only just come on the scene, so the answer would be that no they wont be on the charge. Ther is something very funny going on, which make me think it isnt straight forward for them.
  10. Above is the agreement they sent. My Questions are ! is the document legal? 2 is there anything that can be claimed? 3 Have they got all the legal right to claim back what they are asking? yes the charge is their name but one of them has sadly passed away.
  11. havent been on here for a long time but here goes My father in law took a loan out in 1990 with consumer loan company ( now defuncked) for £50k interest only. the loan was fully repaid after 5 years and transfered onto another loan ( Repayment) which had a charge on his property. After quite a few years when the loan had gone down to about 10k I took the paperwork down to a solicitor who told me that although the loan agreement was not legal the fact that it was over 25k meant that he could not claim against C/ loans. He started to get calls from CEO asking if we wanted to make a small paymet to clear the dept. At this point I smelt a rat as I have never known a bank to except a lesser amount. Just as we were about to start sniffing as to why they were trying to do a deal Consumer loans then disappeared. Last year he got a letter from manchester building society saying they had taken over the loan and they wanted to arrange a payment plan. I took some advice verbally from a solicitor to say that they were probably time barred and that unless we acknoledged the dept they would not be able to claim. but that didnt get over the fact there was a charge on the property that needed lifting. three letters later the last one threatening legal action with a copy of an agreement dated 1990 and for 5 years makes me think A they dont have a legal agreement and are trying it on and hoping we are stupid enough to pay them. B dont realise that maybe we have a potential claim. The fact that they have sent this agreement says to me there is something fishy going on. Somepnes thoughts please.
  12. Has anyone been offered money to redeem there mortgage with rooftop????? as I have,:??? and today, they rang me to say that they would consider more money off if I couldnt raise enough funds.
  13. My son took it on himself to apply for his provisional driving licence, through a company called (driving licence applications) but who are registered as Caveal Viator Ltd. When he asked the dvla what had happened to his application he was informed that no application had been received, we then found out that this company charge £50 just for applying and another £50 for the licence, but in the phone recordings it does say you have to be 18 to use this service. My question is that we have asked for a refund as we dont want to use there service and they have refused to refund my son. How does he stand legally, we also paid through paypal is there anything we can do through them ???
  14. still nothing from OC so gonna see if I can now set aside judgement, just need some help with wording?
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