This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

HI Sorry to hear about your health, its not worth the stress, particularly with that horrid bunch of solicitors they use! Does anyone know what happens to the rest of us now? Thanks Susan

Hi Is the allocation hearing still 24th January? I assume this will decide if you are multi-tracked or small claims court tracked ? Please keep us in the loop. We were supposed to go to small claims court on 10th Nov but this was held off until your case is decided. Baby due in Feb so could use the cash!!!! Regards Susan

Hi, Letter in the post this morning from Paragon's Solicitors, saying that they want to postpone my case until yours has been heard due "to the complicated legal issues and the importance to the mortgage lending industry as a whole" I am planning to refuse to have my case postponed when the court contacts me as we are expecting a new baby in Feb and moving overseas in May, so really do not want this to drag on. Good luck Susan

Hi First response about two weeks before their due date to file a defence was a letter telling me that (1) I had no chance of winning, (2) if it went to court I would be ordered to pay their costs so they immediately requested me to withdraw my claim. - I ignored it. Then received a call from the solicitor at work. He called my old work number from 2005 when we repaid loan. I have subsequently moved within the company. My colleague who has my old number refused to hand out my new number (quite rightly as he didn't know who this chap was). Solicitor then tells my colleague to get me to call him ASAP as it was to do with "a court action" - don't know what data protection would say about that! I called him back and he said that he intented filing defence and that I musn't file for judgement by default until he did (cheek) so I told him he had his 28 days as laid down by the courts, nothing more. Then they filed a defence (which I will post the essence of later next week as i am off on business tomorrow and will only be back Wed night) and wrote to me saying that I had no chance of winning as I knew there was a redemption penalty when I exercised my right to repay the loan (!!), and informed me that they had filed an application to have my case dismissed as there was zero chance of me winning. I completed my allocation questionaire and waited. This morning I received word that the court has given us a date - 10 November, therefore not allowing them to have the case dismissed - YES!!!!!

Just to let everyone know the latest in the paragon saga. They have filed a defence to the court action, prepared by a solicitor they have hired, does not seem to make that much sense but if it actually goes to court I will beg some further advice. We have both completed our allocation questionaire's and I have had a number of letters from the solicitor trying to intimidate me into dropping the case. They have put in an application to have the case dismissed now on the grounds that it has no chance of success in the courts. (awful lot of effort for £2000 - must have run up that much in legal fees already!) Will keep you posted Regards Susan

Hi, did you get anywhere. I have issued money claim summons against Paragon for about £2K including interest for redemption penalties. They got a cheap one man show firm of solicitors to write me an intimidating letter saying that I had better withdraw my claim or else I would have to pay their costs (very unlikely in small claims court) and also that I was sure to lose as I had been aware of the penalty when I paid up my mortgage (doh! missed the point a little). So they have until next week to file a defense. Good luck! Susan

Hi Would like some advice as it looks like we are going to court By the way I would like to point out that there was no discount rate, fixed rate or anything that we gained advantage from, just a redemption penalty at the end: My letter to them is earlier on this thread Their reply dated 30th May 2006: I note from your letter dated 16th May that you request a refund of £1701.84 representing the charge for early settlement and representing 6 months interest. They then blah blah on about media coverage of unfair bank changes but point out that their charge is not a breach of contract charge like unfair bank charges but rather a "charge to reflect the additional costs incurred by us in you electing to repay your loan early" Then they point out that they generously did not charge me redemption when I increased by loan form 22K to 40K! They did not justify the charges though! I wrote back on 5th June stating that they can call it a breach penalty or a charge but its still unenforceable if they can't justify the actual loss incurred and quoted a bit of case law around that. They reply on 9th June (still no justification of charges). They at this point again say its a fee for exercising a right, and not a breach penalty like other bank charges (which is rubbish as far as I can see, other bank charges are being argued as unfair charges/fees). and they refuse to refund me and tell me this is their final response. Their 14 days before legal action is up on 19th June. I am planning to argue the same as other bank charges, what does everyone think? Susan

Hi I am due to issue moneyclaim tomorrow for IF and their card services. Could anyone advise on the correct address in light of some discussion on this thread about not being able to issue summons in Scotland, and therefore having to use the Halifax address? Regards Susan