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northdesk

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About northdesk

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  1. received letter below regarding my complaint that the agreement i requested took 4 months to be sent to me , plus you cant read the terms and conditions due to blurred text. Just wandering if anybody new if what is said below is true. Thank you for your e-mail. In terms of any complaint to do with PPI being mis-sold, this is something which you have, quite correctly, referred to the original creditor. In relation to the Consumer Credit Act 1974, our client is not obliged to provide a copy of the legal agreement within the stated period as the relationship you
  2. http://picasaweb.google.co.uk/lh/photo/PVw6iqPGVke3q8uv8nopVQ?feat=directlink thanks for letting me know
  3. Could somebody please let me know if the attached agreement is enforceable. It took over 4 months to receive copy of loan agreement and the quality is so poor there are words that are illegible. http://picasaweb.google.co.uk/lh/photo/IpjnNdBOhOpuouKuQFV2tA?feat=directlink http://picasaweb.google.co.uk/lh/photo/9XBXYbgF5v2ai2Wl96qBmQ?feat=directlink http://picasaweb.google.co.uk/lh/photo/PVw
  4. I am in the same situation as you , but havent reached the solicitor letter satge yet. Just wandering if you had any updates , as reading your post has been a great help to me. Thanks
  5. I took out a fixed combination mortgage with Abbey National in 1999. Fixed for 6 years with a £2200 cashback. This was at a fixed rate of 6% + an additional 1.45% to cover the cashback. Total rate was 7.45%. In March 2003 , i had to redeem the mortage as Abbey wouldnt offer me a remortgage. I had to pay back the cashback in full , £2200. I also had to pay another penalty at the fixed rate of 7.45% for a penalty period of 300 on a balance of £35570.59 = £2178.08. There is a section saying penalty period above the 300. What I am claiming is why have i got to pay the 7.45% over the pe
  6. does anybody agree that the following term in my contract is misleading as to regarding my cashback. If on or before 31st Jan 2006 you redeem this or any subsequent mortgage you must repay the cashback to us unless you transfer the cashback loan to another property for the balance of the fixed rate period and the fee period. My complaint is that it does not clearly indicate that the cashback should be paid back in full. I thought it just meant that what ever the shortfall of payments that hadnt been made to cover the cashback would be charged .I feel that to take back all of the cash
  7. ime trying to reclaim a product related charge for a fixed combination mortgage which had £2200 cash back. This was at a fixed rate of 7.45% over a 6 year period . i originally put in a request for an unfair charge as i had to pay the cashback in full despite having mortgage for 3 years 2 months before redeeming it. What I have just noticed going through old paper work is that I also had charge of the fixed rate at 7.45% for a penalty period of 300 months on a balance of £35570.59 which resulted in a charge of £2178 , surely at worst this should be for 72 months or at 34 months having alread
  8. ime trying to reclaim a product related charge for a fixed combination mortgage which had £2200 cash back. This was at a fixed rate of 7.45% over a 6 year period . i originally put in a request for an unfair charge as i had to pay the cashback in full despite having mortgage for 3 years 2 months before redeeming it. What I have just noticed going through old paper work is that I also had charge of the fixed rate at 7.45% for a penalty period of 300 months on a balance of £35570.59 which resulted in a charge of £2178 , surely at worst this should be for 72 months or at 34 months having alrea
  9. I am currently asking Abbey National to refund me some of the Product related Charges from my 6 year fixed rate cash back mortgage , I previously lost out on getting the refund for me having to pay the cashback in full despite redeeming the mortgage after 3 years 2 months , so would have paid back half of it. What I have also just noticed is that I have also been charged my fixed rate which was 7.45% [6% + 1.45% for cashback] , this was for a penalty period of 300 months , when the fixed rate and cash back was only for 72 months of which I had already paid 38 months. Just wandering if anybod
  10. Nationwide paid back the full amount for charges yesterday 2 payments £999 £718.35 Then today I received payment of £674.87 £2392.22 in total As I went through internet company , they worked out everything for me. And my claim + interest came upto £2208. The extra cost for court and solicitor was £80 + £120 --- £200 in total. During the claim process which started back in February 1st , I have had additional charges totalling £126.32 + £21.35 due for charge frrom this month. I was wandering whether I had been refunded this + additional interest as it took ne
  11. Toooo right. The only good thing now is that the money should have been sent to company and then they would deduct their charges and send me a cheque. Now its my turn to delay payment to them as long as i can.
  12. Well the past few months have been hell , I was one of the few silly fools who decided to use a so called professional company to get back my bank charges , this all started way back in february 2007. Since then its been hell , with Nationwide informing me that they were not aware of a claim , the so called professional company , informing me that they had sent all documents etc, N1 FORM SENT , waited 28 days , told that nationwide claimed hadnt received it , waiuted another 28 days , still nothing , this went on for ages . Was again told that if nationwide hadnt responded by June 25th , then
  13. From: FRL Bank Charges Team ([email protected]) Sent: 20 June 2007 08:08:00 var keyCode; function setKeyCode(keycode) {{keyCode = keycode;}} .ExternalClass P{padding-right:0px;padding-left:0px;padding-bottom:0px;padding-top:0px;}.ExternalClass{font-size:10pt;font-family:Tahoma;} Mr ******** Again I am unsure what letter you are referring to, the letter I received on Friday was from our solicitor informing us of Nationwide's intention to defend. Since they have told our solicitors that they intend to defend I have no correspondence from them mysel
  14. i am in the same situation . When I rang Nationwide they still have no knowledge of a claim. I have asked for proof of delivery from FRL they finally sent me an image of recorded delivery barcode. Which doesnt relly tell me anything. I have now been told that Nationwide have filed a defence through the court and that they have until June 25th . I rang Nationwide and they still have no knowledge of a claim against them. FRL told me not to worry and that it was most probably being dealt with by their legal team. I informed them that Nationwide had checked both their systems and one of
  15. I too have a terrible credit rating due to 5 defaults. I tried to open an account with the co-op , but was declined. I then tried the yorkshire bank , who accepted me and I also was given a meastro debit card. Was told that if I kept my account in line for next 6 months then there was a good chance that my account would be upgraded , so i could have cheque book facility aswell.
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