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boss lady

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Everything posted by boss lady

  1. It was the Adjudicator. Just one section went as follows "Please note that by signing the form you are accepting the general approach to calculating the settlement on your complaint. Lloyds TSB will then write to you with the exact figures. If you believe that the firm has made an error in the way it has carried out the calculation please contact the firm initially to discuss this. If you are unable to resolve the matter with the firm, we will be happy to assist you". The FOS assist what they mean is wait another year for them to assist. I really do not believe the FOS expect people to sign
  2. Good luck with that nortie because when I said my son would not sign the form until figures were released the FOS said there was nothing more they could do. Great help, we waited a year for that answer. I really am going to complain.
  3. Hi All I found the FOS a complete waste of time. I done a cliam for my son against Lloyds TSB and found the same thing, they wanted my son to sign as having agreed to the sum offered without actually being informed of the offer. I even amened their form and they would not accept it. I really do not know of anywhere else except the FOS where you sign an agreement without knowing the figures. The FOS took 12 months to reach this point, what a complete waste of time, some intermediary. I have now issued a court summons on behalf of my son against Lloyds TSB.
  4. Hi All Has anyone thought about taking Crap One to Court rather than the FOS route as they take forever. It seems Crap One is refusing to pay out on the PPI on the excuse of an non-advised sale.
  5. I think what your friend is proposing is a little risky but I certainly would not go down the route of bankruptcy because it has serious implications on your financial life for ever. Your friend could consider going down the route of stating to the cc companies that he does not have enough disposable income (eg money left over after paying necessary expenses) to make the payments in full. Offer them say £2.00 per month and then after about 6 months make an offer to pay off in full and final settlement by making an offer of say 30% of the actual amount owed. Eg if they owed on a cc £4000 ma
  6. When you ask for the arrears to be added to the mortgage the lender will sometimes do this but they look at how much the arrears are and if payments are usually paid on time but if they do add the arrears to the mortgage it will increase your payments a bit. It is unlikely they will reduce your current payments unless you have a mortgage which allows payment holidays. You can check that on your KFI (key facts illustration) or your mortgage offer paperwork.
  7. Hi Your KFI (key facts illustration) and your mortgage offer documentation should have shown the same amount paid to your intermediary, I really do not know why they are different amounts. However please don't worry about this because it has not come out of your mortgage or your money at all. That amount is paid to the intermediary by the lender for the intermediary giving the lender your business. You can imagine how much money in interest alone the mortgage lenders get out of us. It does not affect what you pay or anything like that. Hope that helps.
  8. Hi totally agree with Ell-enn, keep a copy of everything, every letter you send, recorded delivery proof. Try to do it all by correspondence but if you do speak to someone on the phone take their name and write down the date and time you spoke to them. One point to take into consideration is if you want to consolidate your arrears and the lender will not always allow you this option but if they do it means you will pay interest on those arrears over the rest of the term of the mortgage. At this time you might feel okay about that but it certainly is something to take into consideration. I
  9. Hi On your key facts illustration it should tell you how much would be paid to your intermediary, the exact amount, if then pays money to someone else out of that amount he is entitled to do that.
  10. Hi Capstone always includes charges in the arrears. Good luck with court the judges at the moment seem to be on our side. When dealing with capstone send everything via recorded delivery because their favourite trick is not replying to correspondence.
  11. Hi Remember if the agreement is unenforceable you would not have to pay the money back, the fact that you owe the money is of no consequence. Hope this helps.
  12. Sorry forgot to say that if you opt for the interest only option they will probably charge about £50.00 to swap you over, this will reduce your monthly payments.
  13. Hi You have not stated if you are on a capital repayment mortgage or an interest only mortgage. If you are on a capital repayment mortgage you could ask to be transferred to an interest only option but this step should not be taken lightly and to be honest I would do it only as a last resort. If you transfer to an interest only option it means you will be paying off the interest only part of the mortgage and at the end of the term you will still owe the capital,(the original amount). I would firstly ring C&G and tell them to get their a---s into gear because you sent them the income
  14. Hi Would not do anything hasty here. As above stated first obtain the Subject Data Access Reports from both the original lender and the company who now has rights to the loan. I know the law is quite often an ass but I find it hard to believe that a loan could rise to that amount and be legal. To request the Subject Access Report letter template go to the library and copy the letter. Send all correspondence by recorded delivery. They have 40 days to send you the SAR information. What is the name of the two company sharks involved.
  15. Capstone has the lowest amount of customers in the mortgage market and the highest repossession rate. I would like to know why the Government or the FSA are not stepping in and stopping these idiots from excessive overcharging, downright rudeness. They are so unhelpful the sole intention seems to be to repossess as many properties as possible even though nothing much is selling at the moment and charging as much as they can. It is unbelievable that something cannot be done to stop Crapstone in their tracks. That is not a mispell I meant Crapstone.
  16. Hi I know there are some good management companies out there, you were unlucky with the one you picked, but why use them when you can do it yourself. I would check out your agreement and make sure you can cancel the agreement without penalties, but it seems to me you have to cancel it anyway, they are not helping you. This company would be licensed by the Office Of Fair Trading, so I would threaten to take the complaint to the OFT. The FSA does not deal with individual cases. I agree with mjc write to all your creditors and advise them that the DMP is no longer acting on your behalf a
  17. Hi Just read the SD and they are a great help but just have another question. I have received an SD from a solicitor acting on behalf of his client. His client lent me some money and I had to pay an amount each week into a personal account which seem to be his wife's account. I did not sign any credit agreement, have never received a default notice. I simply lost the paying in book and he not once phoned or sent a letter asking for payment. I was never given his address or phone number. I find this very bizarre for someone to issue an SD without even phoning to ask why payments
  18. I have just received a SD and will certainly put the details in as stated above to have the SD set aside. Found this post very helpful and will keep you informed. Thanks
  19. CapQuest is now going to even greater heights to prove what a useless lot they are. I have just received from capquest a statutory demand under section 268(1)(a) of the insolvency act. Just who do they think they are. Bearing in mind they have never sent me any information requested such as, default notice, statements, contract. They did send the credit card application form, they obviously think this doubles up as a credit agreement. This account has been in disupte since March 2007 with myself sending letter after letter and receiving nothing which I requested back. I will have great pl
  20. Hi Everyone Lowell has entered a default despite Capital One owing the amount in unlawful charges. Sent the great letters off from this site stating not to process my data. Lowell bless them came back with the following statement ``in accordance with the Law of Property Act 1925 entitles Lowell Financial Ltd to process the information held on this account as has been the case till date''. Bearing in mind that Capital One just like others have not issued an agreement just an application form which I will be sending correspondence about. I have read on this forum that Lowell has no
  21. Hi Just trying to remove a default from Capital One who have sold the debt to Lowell. Sent the necessary paperwork requesting them to remove the default. Lowell has refused to do this stating the following ``The sale of this account, in accordance with the Law of Property Act 1925 entitles Lowell Financial Ltd to process the information held on this account as has been the case till date. Bearing in mind I have sent the necessary documentation to Capital One stating court action will ensue if they do not settle because the account is made up of unlawful charges. Can anyone help to poi
  22. Hi All Just read this great thread. Lloyds TSB bless them have recorded two defaults on my credit record without even sending a default notice. I am now ready to join the battle.
  23. Hi All Lloyds TSB has placed 2 separate defaults on my credit file and they have not even had the courtesy to send me a default notice. The funny thing is on one account it is all charges and the other the amount owed is £300 and I am going to claim the illegal charges which will amount to over £2000. I have sent surly bonds letters of which they have completely ignored. I need to get these defaults removed from my file should I now take court action. If so could someone please advise me what I should put on the POC and the cost of the court action. Thanks:|
  24. Hi don't mean to jump in but just to let you know Boro I have had the same thing originally HSBC and have just received court papers from FV-1 who also placed a default on my credit file. Several months ago HSBC removed the default as they could not produce the copy. So pt2537 can FV-1 actually put the default back on again as I never received the default notice from either company. Thanks for the info I am going to do exactly what you advised Boro.
  25. After sending numerous letters which were all found on this site so a really big thank you. The good news black horse agreed to remove the default notice after receiving the Statutory Notice and as they cannot suply a true and certified copy of the default notice but they have left the status history on the account so I have nearly all 6 marked on my credit file. This account was paid in full in April 2004. Should I send another letter stating if the account is not removed in its entirety I will proceed with court action. Their statement is `As a responsible credit lender we are
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