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tigerf999

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Everything posted by tigerf999

  1. Thanks, I will contact my conveyancer tomorrow. Will keep you updated Thanks
  2. As per Companies House HFC Bank Ltd is liquidated, it had been taken over by HSBC (HSBC has a zero balance on my account). Northern Rock became NRAM. NRAM doesn't have my account either. The third parties bought the debts as "unsecured" loan but I haven't contacted them yet. My other concern is - are those third parties have legal rights to remove the CCJ/equitable charge considering the debt registered with them as unsecured and the CCJ/CO is still with the original companies (HFC and Northern Rock)? Any advice?
  3. I haven't been told that i must pay it, I looked on Land Registry for any issues prior to selling and noticed 2 equitable charges, the main one Northern Rock and one from HFC, ironically both companies no longer exist. I was under the impression that this would be picked up by the buyers Solicitor and insists on it being cleared before any sale.
  4. The problem is I need to sell my house. How can I progress with this situation? Thanks, I think I maybe need to speak to a conveyancer
  5. Correct dx100uk, apparently they sold it in 2013 but I didn't get any notification. I wrote to NRAM and then to Cabot asking for details on my account and thats how I found out. It all appears very shady with minimum information. The letter I received from Cabot specifies the debt sold to Marlin as unsecured (no mention of CO or CCJ) They haven't mentioned anything about repayment at all which is odd considering.
  6. Yes a CCJ was entered against me I have since tracked the Loan that was being managed by NRAM then sold on again to Marlin (another DCA). Surely this loan is statute barred if 10 years old and the original Lender no longer exists, then I should be able to get it removed from Land registry?
  7. The precise text from the Land Register was "(31.05.2007) Equitable charge created by an interim charging order of the Cardiff county courticon dated .... 2007 in favour of Northern Rockicon PLC". NOTE: Copy Filed I have applied for a copy from the LR using form OC2 The loan was an "unsecured" and everything was on a single name (mine only). Thank you
  8. The precise text from the Land Register was "(31.05.2007) Equitable charge created by an interim charging order of the Cardiff County Court dated .... 2007 in favour of Northern Rock PLC". NOTE: Copy Filed I have applied for a copy from the LR using form OC2 The loan was an "unsecured" and everything was on a single name (mine only). Thank you
  9. I had an Interim charging order placed on my home by Northern Rock in 2007. I am in the process of selling my house now and I need to get this interim charging order note to be removed from the Land Registry. The last communication i've had on behalf of Northern Rock was in 2012 communicating that this debt has been sent back to Northern Rock Assets Management. The contact details/phone numbers provided to me then are no longer valid. How do I deal with this? I am in a position to settle this debt but am struggling to find the company that has got my account. I called the last company that communicated to me in 2012 but they do not have my account. There are too many contacts for NRAM I found via google but they are all for PPI recovery. Any advise would be appreciated. Also, if I wouldn't find who holds my account, can I apply to court to get this removed in the light of the creditor does no longer exist? Thank you in advance for your help
  10. Yes it is a real diamond, and yes the Judge ordered costs to us which has to be paid by Claimant Vashi.com/ Diamond Manufacturers within 14 days.
  11. Surprise surprise, the claimant didn't turn up to the Court. The Judge looked at the evidence and the first thing the Judge mentioned was: "this looks like a [problem]" and that I did everything right in defending my position. What would you do? Imagine that you have proposed to your girl and she said yes, but after a week of her having an engagement ring and falling in love with it the company would ask for the ring back or pay an additional money. Would you look like a chump and ask your fiancee to return her engagement ring back or just pay the company to avoid the trouble with going to Court? I wonder if there are any more people experienced the same. If anyone experienced a similar scenario with Vashi.com/ Diamond manufacturers Ltd please share. Furthermore I have discovered that the Diamond Certificate provided by Vashi.com is not worth the paper it is written on. They are misleading their customers who believe that they are buying certified diamonds - this is not true. Check your diamonds and read the small print. Guys when looking for an engagement ring for your loved one ensure that the diamonds are Certified with a reputable company that have GIA Certified Diamonds or similar.
  12. I asked for a written explanation of the error. The email appeared to be different to the explanation over the phone. It stated that they suspect the mix-up occurred in the workshop and they think that they sent me somebody else’s ring that is a ‘similar’ in style and should be size J ¾* The company confirmed that the centre stone was reset from our original twist to a new set we ordered and resized to K. The ring I received from Vashi.com was in ‘exact’ style that my fiancée and I chose in person “Contour Pave Set side Stone - SV-RN02458-PLT” (not in ‘similar’), and in size K ½ (otherwise the ring wouldn’t fit my fiancée’s finger and would be noticeable). Considering all the facts, I believe that the ring I have received was a correct ring for which I paid in full.* This has been communicated back to the company. We also communicated that due to the high sentimental value we would accept the ring as is (i.e. lower value of the stone as communicated to us by Vashi.com). Nevertheless, our statement had been ignored and by contrast, the email dated 20th August was claimed that the centre stone was now of a higher value, and turned to an unjustified demand to pay an additional charge. This seemed even more odd and confusing. Two days later (on Saturday) my fiancée received an email from NH claiming that she had talked to my fiancée previously, which was not true. This person on behalf of Vashi.com openly accused my fiancée of upholding somebody else property (i.e. theft) and demanded that her Engagement ring has to be returned as a matter of urgency. This was shocking, distressful and unfair to my fiancée to read such a statement, considering that it was an Engagement ring gifted from me. We have taken an independent opinion of the ring from a member of the National Association of Jewellers, who visually appraised the centre stone as between 0.5 and 0.6 carat (we purchased 0.62 carat), which made me more certain that I received the ring I ordered and paid for in full. I have communicated the above to Vashi.com. I have also proposed an amicable resolution to have 3 independent visual appraisals carried out by the independent jewellers, who are members of a national professional body to determine the identity and value of the ring. However, Vashi.com ignored my proposition and continued its unjustified demand to pay a disputed additional amount of £1,095. The claimant provided an untrue statement to the court - claiming that they “have heard nothing since 29th September 2015” from me, and therefore left with no choice but to proceed to court (the last paragraph above the Statement of Truth signed and confirming “the facts stated in the claim are true”). The evidence, showing that my recorded delivery letter to Vashi.com with a proposition of the amicable resolution was actually dated 29th September 2015 and signed by Vashi.com on 2nd October 2015. I have had to chase them up for a reply on 21st October 2015 by another recorded delivery letter that signed on 22nd October 2015. The communications from Vashi.com to me and my fiancée all along were contradictory, contained direct unreasonable prejudicial accusations and were unprofessional. The stories of the error have been changed several times by Vashi.com and didn’t add up. The claimed amount has also been inconsistent. As an example - on the claim form to the court there are two different amounts - £1,000.95 and £1,095, which is confusing and once more demonstrate the lack of their internal systems and control and lack of reliability of their statements. Furthermore, it appeared that Vashi.com/Diamond Manufacturers Ltd continuously misleading their customers by providing the document with the purchases that they call a “Diamond Certificate”, that is in fact not a Diamond Certificate but only their opinion of the quality/carats/clarity stated that their examination of the stone “is not a guarantee of any kind” and Vashi.com is “in no case responsible for differences of opinions”.* It also appeared that neither Vashi.com nor Diamond Manufacturers (previous name of Vashi.com) are members of any of the National Association of Jewellers.* I feel that we have been picked on, bullied and discriminated by Vashi.com due to the company’s internal incompetence. The company neglected to provide a duty of care. As a consequence, both I and my fiancée have had lots of stress that lead to insomnia, illness and absence from work.* The way how Vashi.com handled this situation has also completely spoilt the enjoyment of our Engagement, and left the symbol of our engagement (as per our Spiritual believes the engagement ring is a heart and soul of our engagement) tarnished.
  13. The Judge has asked for both original rings to be brought to court. As part of their court bundle they have a certificate with my name on it to accompany their ring dated 29th February 2016 which was after the Judge asked for the rings, 9 months after I purchased and had the ring altered, my guess is they have just had one made for the court, very iffy. Immediately when the problem occurred we took it to a diamond retailer and he said it looked like the size diamond we had ordered, but couldn't be 100% unless the diamond was taken out of its setting and weighed. The so called diamond certificate/ appraisal that the claimant produced says on it that it is a valuation of the diamond in the setting. We offered in writing to have 3 independent appraisals by a registered diamond expert which was ignored by the company. We asked for their complaints procedure and was again ignored, they have had no dispute resolution system in place and even say in their application to court that we have not communicated with them, which is a lie because we have two recorded delivery letters and emails as proof. They have gone straight to court demanding we pay the additional amount.
  14. I purchased a Diamond Engagement Ring from Vashi.com online and paid the full amount of £2,464.05 on 10th July 2015. I proposed to my partner with the diamond ring on a holiday to Barcelona. I went to great expense to get everything right,*which was very important to me. We stayed at a 5 Star hotel in Barcelona, I hired a table on a secluded veranda overlooking Barcelona, hired a Mariachi band who were playing a serenade where I proposed with the ring I had purchased from Vashi.com. Everything went and seemed perfect. On our return from Barcelona we asked Vashi.com to alter the size of the ring as it was too big and to upgrade to a different stting design, which we chose in person at the company’s London shop and paid a further £301. I received the amended ring at my home by registered post on 12th August 2015 and signed for it. The Engagement ring was given away to my fiancée as a gift at the blessing ceremony on the next day 13th August 2015. Vashi.com telephoned me on 18th August (7 days after I received the ring) checking if I have received the ring because their system showed that the ring is still in the depo and during their stock check they suspected an error. Upon my confirmation of receipt of the ring Vashi.com expressed the suspicion that I may have received an incorrect item and asked me to send our Engagement ring back. To cut a long story short we refuted their claims believing we had our ring we paid for. They then accused us of retaining a ring that did not belong to us saying that another customer wanted their ring back, giving us an ultimatum to return the ring or pay an additional £1000. Also the so called diamond certificate is not a certificate (has no number on the diamond) and is indeed their own appraisal. They have harassed my fiancee and I since and now have issued a claim in court against us! Any advice? surely this must be a breach of our consumer rights. We are in court on the 16th March 2016.
  15. I would ask G E Money for a breakdown of charges, claim these unlawful charges and use these to pay of the debt. I had a similiar situation, and have told them using a template letter on here asking for over £2000 in charges and interest on these charges of over £500 or I would be taking them to court. The first letter I received offered me £1200 as a goodwill gesture, I'm gunning for em now and have responded by asking for the lot plus interest, I chased them up today after requesting where my response was after 44 days of no response, as i also asked GE money for a SAR. They kept saying sorry and said a final response was being sent out and they are working on the SAR. Watch this space.
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