Jump to content


Registered Users

Change your profile picture
  • Posts

  • Joined

  • Last visited

  • Days Won


Everything posted by mark1arby

  1. This is a VERY OLD Welcome secured loan. It has been passed around at least 5 DCAs since 2010. It is now in the hands of Coast Finance Solutions who are really going for it. They have treated every letter we send as a separate complaint, so we now are very confused as to who to deal with. They insist it is a mortgage though we believe it comes under CCA 1974. We recently recieved SAR that is redacted to death! Haven't assessed it yet. Already have old SARs over the years. In a letter they state they can not produce the Notice of Assignment because it contains Commercially Sensitive material. Thanks for the speed of your reply DX.
  2. Is the existence of the Notice of Assignment important in the collection of a debt and, are there any reasons ie: Commercial Sensitivity, why the Notice of Assignment can not be seen by the debtor?
  3. Sounds as if you may have found something Dad? Good Look!!! Mark
  4. Resurect the Old Team? It would probably take Burke and Hare to arrange that. LOL. Most of them are probably Homeless or soon will be? LOL I`m up for anything M8! Will need all the help I can get soon enough. LOL I can also see a lot of PM`s coming up as well. At least until we find that Case Law? LOL Don`t want anything being looked at as actual advice. Do we? What do you mean by making seperate complaints now? Who to? Do you mean in Court? Regards to all. Mark
  5. Bloomin` Hell. Talk about `Blasts from the Past`!!! I have heard from FOS my self in the last week. Now the work begins! Waiting to hear what the **** have to say, will then have to reveiw everything I was ever told on here? I just hope I didn`t give any mis - leading info? If I did it was because I had information which in my naivety it was very easy to believe the information given had to be correct, and because I was looking for any way to stop paying these `Rip off Merchants`, and escaping thier clutches it was easy to get sucked in, as I am sure were the people giving the advice! I always double checked all info and advice given to me. The problem is that most of the advisors are just ordinary citizens like us. I have done so much research in the last 3 years I should know contract Law inside out. The problem is in my opinion, all the advice, from what ever source is and always will be open to personal interpretation. Also a hell of a lot of what we Caggers from a couple of years ago were being advised as fact as changed with recent Judgments and updates of various Guidelines. It is great to know that some of the Old Crew are still around. Even if it is not in the best of circumstances! I hope you are well BeBo and Beyond, etc? All the best to everyone. Mark
  6. Madeline please reply as soon as you can . With ALL the info you can muster. This is the Toppest of Top Notch Help you are being offered here. Use the advice. Help yourself now. Be positive and use this guys advice and you WILL have a Very Happy New Year. God Bless You and Yours MARK
  7. OH YEAH!!! I am in awe. Well done Wanna!!! You, are an Inspiration and I love you. LOL MARK
  8. Yes you are right Napoleon! Just caught my imagination running away with me (cue for a song)? for a minute. LOL Still they make enough [edit] to [edit] up any agreement. Always something to fight these [edit] on if you look.
  9. Might be good to follow up on whether MIF can be charged if you already have a mortgage with insurance. Would this not be allowed because it is a seperate secured loan? Food for thought on an old subject. If it is not allowed for this reason I wonder how it would affect the agreement? Apart from affecting all the sums, could it actually make the agreement unenforceable? MMMMMMMMMMMMM??????????????????? Cheers! Will look into this one.
  10. Yes! This thread is SO SO important!!! Wanna you must be commended for carrying this through. Well done M8!!! MARK
  11. We are in exactly the same situation as this. Do we fill in these forms and send them back? They require signatures and such, and if I understand it, the **** will be dealing with the returned forms!!! I don`t understand what happens to all the other complaints already with FOS when this form is filled in and signed, the FSCS are given all future legal rights with the account, they then as stated in the forms "Stand in Your Shoes"!!! What does that mean? I am also confused as to wether the paperwork we received is from FSCS asking for further info from us after receiving stuff from the Ombudsman, which will enable them to assess the claim. Or is it from the ****, trying to get us to sign and force everything to start from the very beginning again? Pulling the wool over everyones eyes in the process. Lots of phone calls in the morrow me thinks. I may be over complicating things for us but this is the **** *ucks we are dealing with. Cheers Mark
  12. Bumping!!! Waiting for the answer to Dads question???? cheers Mark
  13. No I was not aware of this. I will write to the Council and ask how many orders there are, how much each is for. Or would it be best to go in to the Council Offices or even phone them? You shouldn't wait for the Council, keep at them otherwise your mate will be knocking before you know it. No one from the Council rang back, so will have to wait till Monday now. armed with this brilliant advice the bailiff will get short shrift if he turns up here. He would have done anyway. This advice just re enforces things. I dont think he needs a Breakdown of fees because its already established the money transfer does not comply with legislation, he could use PT's non-£10 ACME letter and see the comeback. What letter is this please, is it an SAR or something similar? I have a letter already done from earlier last year when we borrowed money from the Mother in Law asking for a breakdown of their fees etc. I didn`t send it because I thought I would need the credit card receipts to back up what I was saying and Mum would n`t give me them. For a little clarity and alright a bit of sympathy would be OK at the moment guys (Sob, Sob). I suffer from severe Osteo Arthritis for which I receive a 60% War Pension. I can not walk far at all I am in constant pain. I alos suffer from Hydradenitis Supperativa ( you will have to look that one up) I was run over some 6 years ago which exacerbated all my afflictions. I am receiving treatment for mental health issues due to all of this and I am on some Heavy Duty Meds which also have some pretty grotty side affects. Oh yes, then there are the bladder problems, the enlarged prostate and high blood pressure etc. Apart from that I am Fit and Well. LOL. I have also just been diagnosed as having Sleep Apnoea ( That`s a great one. Honest!) So to say the least I am some what differently enabled. I was fit as *UCK all the way through my time in the RN. So I have found it all quite difficult to deal with at times. The worst thing is the meds. don`t make it easy for me to concentrate, they slow my mind right down, and I HATE that. Sorry, may be I shouldn`t have written that down, but it actually helps to do that now and again. AND I am no where near as bad off as some of the Lads and Lasses in the forces now. They are TRUE HEROS and are my inspiration for coping. Cheers all thanks for the help. MARK
  14. Just a quick one people. Is there a quick way to find out if they have cashed a Postal Order. They say it wasn`t with the SAR I sent. Fools, as if I wold ask for an SAR and not know how much it cost or what it meant!!! ( sorry they make my blood boil) LOL Cheers MARK
  15. Thank you VVV much for that PT. We are still waiting to be contacted by the Council. And I fear it is too late in the day, a case of T.F.I.F at the Council Offices. I will write a good letter over the week end to the Chief Exec. We have already made complaint by phone and letter, so follows their complaints procedure. Local councillor will be copied in. Then see what happens and then contact local MP? The Mother in Law will be very reticent in doing what is advised above. I asked her for the receipts from her credit card bill last year, but she dosen`t like people knowing her business. Trying to tell her I could get the money back if she gave me the receipts was a big No No to her. I have letters written up from this first time, to the Council, Bailiffs and one for the Police, that where never sent because I didn`t have the receipts. Cheers MARK
  16. Thank you forkit ( I like the play on words lol). We will follow this up ASAP. It never rains!!! We have just lost our water supply!!! Frozen pipes ARRGGGHHH!!! Keep smiling Mark!!! LOL
  17. Thank you for your help people. DX, I knew it was probably in the wrong place, thanks for moving the post. We will contact the Council now and let you know what is said. What can we do about the fees? It seems because this time we have not let them in they are using the correct fees on their notices. The Mother in Law wants her money back, understandably. She used her credit card to pay the first 2 sums. Mrs Mark had to ring her twice and explain we had bailiffs at the door and what they were threatening. We can ill afford this at this time and obviously she can ill afford to be out of pocket. Now my Wife is worried that she didn`t take on board what the woman at the Council told her properly. As she says, she was elated that we could be entitled to rebates etc. Seanamarts, thanks for your input. It annoys me that the Council and R&R are fully aware of my vulnerable status. If R&R had any professionalism they would see the disabled bay outside our house, there is a notice on my door asking people to give me time to answer the door as I am disabled. As per usual they don`t give a Flying *uck, do they. To me it`s common dog, just back off and let`s sort this please. We have not had any liability orders about this. The Wife as spoken to the Council and the Bailiff. The woman she spoke to isn`t available but they will get in contact as soon as she is. LOL The bailiff says he as this because there is an order that as been broken. I don`t understand this, as we have not had any notification of a hearing or received a liability order. He will wait to hear what the Council say, but they will not take it back. That being the case he can come to an arrangement himself, but would need £150 this afternoon. LMFAO I`ll leap away and print that off for him now. Any further advice welcome please people. Cheers MARK.
  18. Hi folks. I would appreciate any advice on what I should be doing now? I will be as brief as poss. We paid Ross & Roberts over £1,200 in Council Tax arrears a while ago. This money was borrowed from my Mother in Law after two separate visits by them. I wrote to the Council in very strong terms about this. My Wife later took a Call from the Council Tax people, who told her they would sort all at the monthly meetings they have with R & R, and the account was back with the Council. With the promise to sort it all out I didn`t bother following up our complaint. I am disabled and suffer from depression, this made no difference to them. At the time of the second visit I was also suffering from Bird Flu, but he said he was having his money, we had 4 hours to get it or he would be removing our belongings. At the beginning of September this year there was a visit from R & R wanting more money. I told him to hand it back to the Council and asked him to leave. He put the first letter in the letterbox and left. My Wife called in at the Council Offices one morning shortly after to find out were this new amount owing had come from. she came home really happy, the woman she spoke to told her that the second bailiff who had bullied money out of us had been sent to London to work due to other complaints against him. She also told my Wife that all was sorted there was no monies owing and in fact because of my letter and now this new complaint, and due to the fact of my disabilities that we would be entitled to a rebate going back 4 years, since I have been in receipt of the higher level of DLA for Mobility. We took it that this would be sorted by the Council. Which now brings us to Today. The second letter below was left after I had told this latest bully that it was all back with the Council and we owed nothing. Obviously this is just a brief synopsis of events over a period of time. I will give further details as we go on. Just as an aside, I have for the last 2 nights been getting used to the idea of having to wear a mask, and what is called a CPAP machine, which feeds air into me because I have now been diagnosed as suffering from Sleep Apnoea. I mention this because it is taking some getting used to as can be imagined. I have not slept and I am beginning to be walking with Churchills` "Black Dog " again, if you know what I mean? Really the last thing I need is this. How do we deal with these people? Thank you in advance. Cheers MARK. PS. don`t know how to edit out the details on the first letter now it is posted. Can somebody tell me how this is done please? It`s done thank you.
  19. No doubt you are right DX!!! I`m really trying to find out what is happening with any of these threads involving the ****, and why no one has any real input any more? Cheers Mark
  20. Do we know what happened here? Ended rather abruptly! cheers Mark
  21. Do we know what happened here? Ended rather abruptly! cheers Mark
  • Create New...