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frettful38 last won the day on May 9 2009

frettful38 had the most liked content!

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About frettful38

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  1. Thanks HB13 no I have not but will have a look...I still have a month to practice and pick up ideas and tips...thank you for that
  2. Hi HB13...I think it would be good if there was some information for people going and gettiung repared prior to a medical test...maybe some points and tips of do's and don't's. I know the rules on welfare benefits have changed but don't know much about the medical tests as my last one which I thought went alright...but turned out a complete nightmare and if I had to go through all of that again...that would be like another nail in the coffin.
  3. I received a call from the DWP this evening at 7.30pm advising me that I have an ATOS medical on the 31 March 2012...really feeling quite gloomy about this as I am current;ly going through divorce & repossession proceedings...so could have done without this bombshell at the moment...but understand that sooner or later it has to be done. Last medical I had was approx 4-5 years ago and I failed...I appealed which took approx 6 months and won my appeal. I am dreading going through all that palava again and would like any help ot advice about how and what to do this time...my medical &
  4. PW you have mentioned responsible lending...I have attached a recent case law...bit of a read and I think if you read it all you will gain some very good insight about responsible lending and the outcome that was reached in this particular case.... http://www.bailii.org/ew/cases/EWHC/Ch/2011/3307.html http://www.bridgingandcommercialdistributor.co.uk/legal_brief http://www.bridgingandcommercialdistributor.co.uk/legal_brief?id=42&title=Things%20aren%27t%20always%20what%20they%20seem http://www.todaysconveyancer.co.uk/significant-case-helps-conveyancers-on-sub-prime-ne
  5. Hi PW.....here below is some good information about unfair relationship and interest rate which I received from a top barrister John Pugh.........I hope it is of some help...quite a lot of info and you can use this if you want according to your needs. Interest Rate Rises 1. Whereas the initial rate of interest under a loan is a core term and not susceptible of appraisal for fairness under Regulation 5 of the Unfair Terms In Consumer Contracts Regulations a right to vary the interest terms is assessable for fairness. The Unfair Terms in Consumer Contracts Regulations work in the
  6. Excellent WP3.......really pleased for you how you have been keeping all this together...well done so far.
  7. Thank you kindly for your response Lea_HTH, my loan is unregulated so a little different.
  8. Excellent news and an excellent result with the help of Ell-enn and Lea......can I ask would these same principles apply on a secured loan too? Would the Norgan case apply?
  9. Hi WP3, just a little info I found.. http://www.bbc.co.uk/news/uk-wales-north-east-wales-15092758 just some cases involving this particular judge.... http://www.bailii.org/cgi-bin/markup.cgi?doc=/eu/cases/ECHR/2010/2219.html&query=nicholas+and+chambers+and+qc&method=boolean hope it is of some help
  10. I agree there with you WP3...and also not only do their interest rates go up...if asked they deny....but they also add interest on top of their charges too.....basically there is no escaping or your loan ever redusing as these lenders have another way of making more money from you other than your usual monthly payments you make. Did you ever get any letters from Blemain to notify you whenever they put their interest rates up...because that is what it states on their agreements that they will give the borrower not less than 7 days notice in writing of any changes in interest rates?
  11. So WPS you are getting special treatment as your case has been transfered to another level......well I don't know what to say on that but as you have been allowed more time can only be a good thing hey? as you have now got more time to go over and over and over and over and over everything lol... All in all not a bad day I guess
  12. maybe of some use...info about lenders being noted on insurance Lenders & Borrowers Insurance.pdf
  13. Just reading some jibber jabber this morning...some useful info...not that it has sunk in yet Lenders & Borrowers Insurance.pdf
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