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About subprimevictim

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  1. Just what I was thinking. Would you say FOS is a better option than the Small Claims Court?
  2. Thank you for your advice so far. I have today received a reply from Redstone/ Melanite saying I am not entitled to a refund of interest as my account has been arrears since 2010. This is their final response. Is this correct, and if not what can I do next please? Thanks again.
  3. Thank you. Could you tell me please whether the 8% stat interest is calculated on the total, or on each monthly payment? Thanks.
  4. Further to my original post, I have now received a refund from Redstone/Melanite of £1273 which they have credited to my arrears. They have sent me a breakdown of amounts overcharged each month from 2010, however there is no interest added. Can someone advise me please whether I am entitled to interest and if so, how to calculate how much I am due? Thank you.
  5. Has anyone else received a letter from Redstone (alias Melanite) Mortgages stating that the FCA has ruled that they have calculated some customers' monthly payments incorrectly since 2010 and that those customers are due compensation? If so, has anyone received compensation or a refund yet? I received such a letter stating that I was one of those who had previously been overcharged, but with no details of how much I would be refunded or when. It stated that my account has now been recalculated and my new payment will be £6 per month higher! I rang them for more information and was to
  6. Yes - they are saying that they only took over the Southern Pacific mortgages from a certain date and that mine is too old.
  7. Yes I knew someone would say this, and I know it's a waste of money using a CMC. I have reclaimed PPI myself many times in the past, but this time I just didn't have the time to spend on filling in forms etc. if the claims company cannot get any money back for me on this one, the chances of me being successful would be zero. Does anyone have a reply to my query please?
  8. Please could anyone advise me on what to do next regarding this, as I seem to have run up against a brick wall. I bought my previous property in 2000 with a mortgage from Southern Pacific. The mortgage was redeemed in February 2004 when I sold the property to my son, who also took out a mortgage with the same company to purchase it. My son failed to make the mortgage payments and the property was repossessed about 2 years later. I no longer have anything to do with my son. Recently, I decided to try to claim back PPI from my earlier mortgage. I no longer have
  9. Thank you for replying. I would like to try the court route, but cannot afford to be hit with costs if I lose.
  10. A word of warning to anyone thinking of trying to reclaim unlawful arrears and other charges - don't waste your time. I was told by the Financial Ombudsman Service today, in response to my claim against Redstone, that the company is entitled to do whatever it likes, and charge whatever it likes, because I signed for it. So the fine imposed on Redstone, Kensington and others by the FSA for unfair treatment of customers doesn't make a scrap of difference. Neither does the fact that Redstone commenced repossession proceedings against me in 2008 despite being informed that I
  11. Thank you for your replies. I am resigned to paying Bristow & Sutor their lawful £42.50 fees, but that will still leave around £50 of their unlawful levy fees outstanding, for which they will presumably keep visiting me for and maybe levy on something else? Ploddertom - yes you are right in assuming that the car has gone on a little holiday! But it will have to come back sometime..........and how can I stop them taking it apart from giving in and paying what they want? The council sounded reluctant to put in writing that the Liability order has been discharged when I requested that; th
  12. I had a liability order against me for unpaid non-domestic rates. I had 2 visits from bailiffs, did not let them in of course, and subsequently paid off the outstanding non-domestic rates in full directly to the council. That left the bailiff's fees of £42.50 for the 2 visits. After a while I received a letter from Bristow and Sutor saying that I still owed their fees. I rang the council and was told that the liability order had been satisfied and my outstanding debt was zero. They confirmed that they had not paid Bristow and Sutor's fees out of the money I had paid to the council. I am
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