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magnaman

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About magnaman

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  1. Shocking! letter received today asking for another 4 weeks! They enclosed a leaflet regarding the FOS and said I could ask them to intervene if I was not happy about giving them more time. Suggestions welcome but the FOS can take ages - I don't think I have any alternative but to commence legal proceedings. Can anyone provide the template wording for the claim? thank you
  2. OK, eight weeks is up today and guess what/ Yeap, no reply! Had a letter acknowleding receipt of my claim and another a couple of weeks later advising they had not completed their "investigation" but should report back within the time frame laid down by the FSA. In anticipation of zero reply, sent a registered letter yesterday giving them a further seven days however, advised that I would commence proceedings through the county court if no response was received. Have downloaded claim forms and completed in readiness - I am determined not to be treated like an idiot and will take this a
  3. Received letter from Northern Rock this morning - standard nonsense about dealing with my complaint within 8 weeks! They have however, broken FSA rules so why do they need 8 weeks? Do I reply and advise them that my original letter said I was not prepared to wait the 8 week period and tell them I intend to (which I will) commence proceedings within 14 days? Thank you
  4. Hi DX Arrears charges and Arrears Interest are over £5k - if I have to go to court, is this dealt with as a small claims? I seem to recall that once the claim exceeds £5k, a different process is used which can mean me having to pay my costs and those of the lender if I loose. Perhaps you would be kind enough to clarify? thank you
  5. Hi All I have had some great help from you guys in the past in relation to Mortgage Exit fees however, I just read the exciting news about Mortgage Arrears charges and have begun to colate all my statements using an SAR. I have used a calculator on moneysavingexpert which relates to bank charges but nonetheless, calculates the compound statutory interest of my arrears charges and here is the result over the period of the mortgage which was 10 years - Mortgage Arrears Charges; £1899.25 Interest; £1391.19 Total; £3290.44 However, I have noticed "Arrears Interest" - should I i
  6. Hi All Followed the advice given in regard to bypassing the Information Commissioner and filed an action against Northern Rock (NR) for none compliance with the Subject Access Request. stated Damabes and cost £25 via Money Claim Online (MCOL). NR filed defence stating they complied but admitted to not sending statements for 2003 and 2007 which arrived by post on the 22nd October 2009 (letter dated 16th October - assume postal strikes delayed delivery). I have been sent a letter form my local court saying the case has been transferred to them and enclosed is a "allocation Questi
  7. Many thanks for the link Have sent the notice by registered letter giving 7 days citing their non-compliance with the subject access request and will keep you informed
  8. Hi All UPDATE Sent Subject Access Request and at the same time using a template I found on the lovemoney web site, I requested a reimbursemet of my Mortgage Exit Fee, £250.00. Initial response was with regard to the Exit Fee or Discharge of Mortgage Fee (DOM) as they term it, saying they were justified and they would not reimburse the fee. I sent a second, follow-up letter suggesting that it had to be justified and the costs detailed and would they kindly demonstrate how the cost had been calculated? I got fed up with waiting and called the Financial Ombudsman who were bri
  9. Copied, pasted, amended and sent with £10.00 postal order...39 days and counting.....
  10. Hi all A recently wrote to Northern Rock requesting all my previous statements relating to a mortgage I redeemed recently. They have written back saying they can provide all annual statements (10 in total) at the rate of £20.00 each and have asked for a cheque for £200.00!! They have sent pre-paid envelope! Is this correct? I know that there is a statutory fee in regard to bank statements which require a £10.00 fee maximum. Would be grateful for any assistance. Many thanks
  11. Hi all A recently wrote to Northern Rock requesting all my previous statements relating to a mortgage I redeemed recently. They have written back saying they can provide all annual statements (10 in total) at the rate of £20.00 each and have asked for a cheque for £200.00!! They have sent pre-paid envelope! Is this correct? I now that there is a statutory fee in regard to bank statements which require a £10.00 fee maximum. Would be grateful for any assistance. Many thanks
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