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About willow1261

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  1. Hi, I am in the position of having cast iron proof that our second charge lender has committed the criminal charge of false accounting on our loan application. They have increased both our salaries by entering the gross salary amounts as net amounts of both of us, and then taken hardly any outgoings of the inflated amounts apart from their loan payment, a buffer payment, and a 1st mortgage payment. This has served to increase our monthly income by over £1000 making the loan look affordable on paper, and resulted in them paying a secret commission to the broker that brokered the d
  2. no probs thx would it be best to put this in legal as more people might see it? willow x
  3. hi , an update on the situation as it stands, would appreciate any advice that anyone can give. FP pulled out of the repossession court case and we have not paid and they have not contacted us for approx 3 years. We sent them a letter before action last year which apart from generic responses they ignored we resent one this year which they ignored again. In desperation we filed a claim for our total payments to be returned and an amount which we had rebuilt upon credit cards under the mis rep act 1967 and cca unfair contracts section 140 a etc. We have e
  4. no i havnt as yet. they have changed solicitors, and i have received notification that they have transferred the case into their name at the court. So far the case has been suspended generally on First PLus wishes. They do not seem to want their paperwork in court, to the point of withdrawing from the court case and ignoring cpr requests within that court case. I do not see why they have changed solicitors and we will not change our paperwork or our requests. we also have their paperwork, so they can not issue new documents more favourable to them without us noticing!! does any one
  5. hi dadofholly, No, they have not falsified any details except on their original paperwork. That is why i suspect they do not want to go into court, as i have that paperwork from our SAR. They just wont respond to our CPR request for all the rest of the information they should have on us which wasnt sent in the SAR ie telephone calls, underwriters sheet etc. We have sent a cpr letter while the court action was going on, and refered to them in the defence. As they have adjourned the case generally i guess they think they will not provide them. i have been requesting the telephone
  6. Hi, update on this is that First PLus seem to have pulled out of the repossession claim after sight of our defence. They and their solicitors have also not responded to the cpr requests that we sent seperately. Eversheds in their letter to us have asked for a general adjournment with the liberty to restore if they feel like it. Eversheds have also said that our account has been passed onto another solicitor, so it looks like they are not dealing with us anymore. does anyone know why or what we need to do now? First Plus clearly do not want their paperwork in court. they have
  7. Hi Fretful, do you know if the unfair contacts legislation can be used for First Plus. i have been researching and have found that it seems that if a company is FSA regulated then the legislation can not be used. FP is regulated by them but only for general insurance purposes. All the main banks etc are fully covered by the FSA. Will this make a difference? If anyone else has an opinion i would be grateful as well. thx willow x
  8. Hi, i wonder i someone can help me? i am currently fighting FP in court as they are trying to repossess my house. i have filed a basic defence in court under the fraud act, at which the judge nearly choked on his coffee! He has asked for a more partiularised defence to be sent to him explaining all details. i have also used the unfair contract part of the CCA act, section 140a as part of the defence. i have researched this and believe i am legally entitled to, but their legal representive said the loan was not covered by the CCA 1974 act and i couldnt use it. The loan
  9. i have a free half hour consultation with a solicitor who deals exclusively with employment law on friday. i will have more info then and relay it back. it might also be useful for someone else. willow x
  10. Hi HB I am waiting for a telephone call from a lawyer who specialises in employment law to call me back. I need to make sure I have a water tight case before i start any proceedings!!!! willow x
  11. Have been onto ACAS today and they have advised me that if other part timers were having appraisals every year ( which they were) then i have been discriminated against as they have not done the same for me. Also there are possibly Data protection issues as well as they have updated my file adversley and used the infomation against me without my knowledge. You can be called at home by work if you are off sick unless you are off with stress, but you should be spoken to in an appropiate manner. Its looking like i might have a case. Willow x
  12. Hi Honey Bee, Thx for that. My fall was put straight into the accident book. i have also put in a legal claim for compensation. Fairly sure that some of this is some kind of payback. Hard to prove though. There should be no long lasting complications from the accident. company terms and conditions are now all online. So I will have to do some research in a bit! Not filed grevience as yet, just through it into the conversation! Willow x
  13. Hi, I have a problem at work which if anyone has any tips to give me i would be grateful. I recently applied for an internal position in a new store which i didnt get. A week ago i had an operation which relates to an accident at work that i had earlier on in the year. I only found out i was not offered the position after i hassled management for three weeks for an answer. Everyone else who applied was told within three days! I have worked for this company a major high street fashion retailer for over 6 years and have never been given an appraisal and i thought i had an unblem
  14. Hi all, thanks for your replies. the £100 was for my husband and the letter was sent on his behalf. I nearly lost my marriage over their conduct as he was unaware of my credit card bill. But apart from that I didnt lose anything else. It was a very stressful time and I did everything I could to put it right but MBNA are the worst people in my experience to deal with. No other creditor was as bad as them. And the companies that treated me propperly have now all been paid back. I just hate them with a passion!! I was thinking of filing a sneaky court claim on li
  15. Hi, A while ago I had problems with MBNA. They had no contact number for me but my OH also had an account with them. This account was dormant and although a CC card account it had a balance of £100 in credit. They trawled through his account and found his mobile number which they started to ring and try to bully him into giving them my details. He received two phone calls and the latter was a woman who was very rude and aggresive to him and gave away personal details to him about my account. He sent in a detailed letter of complaint as he kept a log of calls and what was said an
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