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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

stress

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  1. Anna1s1 started following stress
  2. stress
    Pre Action Requirements 1. Standard arrears letter 2. Notice of default 3. Calling up notice 4. Decree for repossession. I believe that the only time a lender can evict any one from a property is only after decree has been granted, am I wrong?..
  3. stress
    Yes, it should be in the Scottish cag! sorry
  4. stress
    Confused!. Maybe someone could shed some light as to how this is right. I bought a property for my mother to live in, I got into difficulty paying the mortgage due to divorce proceedings. The lender was sending correspondence to my mother’s address not the contractual address the mortgage was taken out on (my address) the lenders told my mother to vacate the property giving her 2 months to do so, this was done before any court decree was granted, she moved out exactly 2 months from date of letter! Decree was granted to the lender 6 days later. Can’t get my head round this bit, I was confirmed by the lender as proprietor of the property! I did not live in the property so it was empty and vacant, the lender states my mother was told to leave so vacant possession could take place, I was responsible for the property insurance, maintenance so forth, 4 months after removing my mother I receive alerter saying you are in arrears please let us know what you intend to pay(done that) 8 months later they reposes, with the intention of getting vacant possession. Confused how could they remove my mother before decree, allow the property to remain vacant for 1 yr stating that I am the proprietor, my responsibility! Property was not Buy to let but re mortgage.
  5. stress
    Mother occupied 100% of the property!... must be regulated if more than 40% is occupied by spouse, parent, brother, sister Formal compliant to lender came back stating "we have investigated your compliant sorry you felt the need to complain good bye" nothing to say we think this is what has happened or our records show, Just we have investigated your compliant.
  6. stress
    On the Mortgage application the tick box stating "will the property be occupied by a relative" Yes was ticked but I think this has gone unnoticed when being prepossessed. If the property is occupied 40% by parent, brother, sister spouse then must be regulated. Would do me no harm to contact the new Financial Conduct Authority they might be able to shed some light.
  7. stress
    http://www.legislation.gov.uk/uksi/2001/544/article/61/mad The Financial Services Market Act2000 (regulated activities) order 2001 article 61(3)(a)(ii) & (4)©(iii) also the contents of MCOB 1 Annex 1 being carried out in relation to a regulated mortgage contract. section 2(1) of the Misrepresentation Act of1967 I can’t understand how my Mum got kicked out, it took over a year to repo property! three months after kicking her out I got demands for payment. F.O.S I can re apply my compliant not happy to do that, BCOB is the way forward. Q. Regulated would they have kicked her out. Q. what right did they have kicking her out unregulated.
  8. stress
    I fell behind in payments, the lender did not send any formal letters to my contracted address, I complained that I was not receiving correspondence from them. In a letter to my mother from the lenders Sols, it stated that my mother was not my spouse. It gave her 2 months from the date of the letter to vacate the property! In formal compliant the lender now states my mother left of her own free will, I have the letter from the lenders Sols who refused to give me a copy until I got F.O.S to intervene and demand I get a copy of the letter! I know my mother occupied more than 40% of the property and it should have been regulated. Thank you for response
  9. stress
    Thank you! they dont have advisor who could assist.
  10. stress
    My son was visited 3x by Marsdon for non payment of speeding fine, I refused peacefull entry and referd them to Form EX345 page 5. “Civilian Enforcement officers will notcharge you anything for their work” £300.00 on top of his fine, wrote to the court manager accuesing marston of misfeasance, they recalled the distress warant as I made it clear Marston refuse part payments, the contract for magisrates court to 4 bailiff companies cleary state they can only charge from the fine owing!.. as the thread above was over charged more than the fine this can be cliamed back, small cliams. http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?168-Bailiffs-and-High-Court-Enforcement-Officers/
  11. stress
    Thank you for tidied thread, this is a complex case in cross border disput, will it also be seen in England. Thanks?
  12. stress
    Hi, found yous by mistake but very good reading!.. Could any one shed some light! I purchased a second property for my mother and it was non regulated, she occupied it 100% for 4 years. my lenders Solisitors instructed my mother to move out giving her a date to do so, she was told she had no rights to occupy or go to court for stay of eviction as she was not a spouse or child of mine. Dispite removing my mother, it took the lender 1 year to get a decree and another three months to repossess the property. I have been fighting this case for some years, lender has made some compensation, they ask for my minimum damages and coasts!.. I cant put a price on my mum and they are not accepting liability. Q. If the property had a regulated mortgage would she have had any legal rights?
  13. stress
    Hi, Could any one shed some light! I purchased a second property for my mother and it was non regulated, she occupied it 100% for 4 years. my lenders Solisitors instructed my mother to move out giving her a date to do so, she was told she had no rights to occupy or go to court for stay of eviction as she was not a spouse or child of mine. Dispite removing my mother, it took the lender 1 year to get a decree and another three months to repposses the property. Q. If the property had a regulated mortgage would she have had any legal rights? Thanks in Advance
  14. stress
    they did and got p.... Off, i am asking sales of goods act is tort of law offrer or offerree a token payment has been taken, can we the purchesers persue a resilution in court? small cliams? landlord is tennant to brewery!
  15. stress
    A. is 85yrs of age, he has his b/day at local pub of 45 yrs, he drinks whisky (not a lot) party friends buy him 4 x whisky, he not heavy drinker, and thinks he will take reciepts for purchace and have next day!.. Next day he is told No you should have dunk them on day... he still has reciepts but will not return to pub as he feels offended, can some one give law of tort, or sales of goods act as to how to move on with this? ex RAF 1936 - 1950
  16. stress
    rebil11, Your a star!.. again many thanks Stress

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