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Myfamily

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  1. ok but if they never sent it in the first place then that cannot be right. I admit it is my fault that I wasn't able to pay them but it also their fault that their fees jumped from around £90- £100 per month to approx. £370! and they quickly started reporting that I was not keeping up!
  2. but if they never sent a default notice then surely they cannot register the default and it should be removed?
  3. Hi again, well I decided not to make payment to Westcott, as I need to sort out the default. Can Halifax register a default like that? I have checked though all papers received and did not receive a default notice at all. any advise please?
  4. the account is not viewable online with the Halifax and they have told me they've passed it to Westcott
  5. Hi all, ok not been back for a w while had a lot going on. but to catch up, I contact Halifax to explain that I was willing to make payment , thye asked me to complete an income and expenses form etc. due to house selling issues I was having, I neglected to do this and the account got closed and passed to Wescott. Wescott wrote a couple of times and I went to their website and made an arrangement to pay approx. 1 week ago. one strange this is that all letters were addressed to my husband and none to me - (it was a joint account) Anyway, the other day I checked my noddle credit report and found that halfax have registered a default, but I never got a default notice! This can't be right - or is it different for overdrafts - any advice greatly appreciated!
  6. further to this . Got a letter from Elderbridge saying our signatures do not match and asking for ID! received yesterday but dated 11th Oct (conveniently 1 day before the 30 day deadline) are they seriously expecting me to believe that it took 7 day to reach me!!! come on now! I am absolutely livid (as you may be able to tell!) Now the loan was taken out before we were married so I thought they might says that my signature did not match and ask me for ID but they are asking for both of ours - my husbands signature has not changed for over 30 years!! they are also asking me for a certified copy of my marriage cert. I called the ICO and explained the above, told them I believe they backdated the later to be within the time limit - she agreed that it seemed that way, and that they should have immediately replied to my request asking for my ID not waited till the 30 days was up or almost up. she advised me that if I want the data then I will need to send them something to prove my id, but she sad that she thought having a certified copy was not proportionate. and that they will most likely be in trouble for delaying it so long she told me to send reply to them then forward that to the ICO along with a copy of their letter received yesterday and it will all be added to my complaint. I am just so annoyed at the complete lack of respect they have for me or any of their customers, trying to pull the wool over my eyes like that, did they think I was born yesterday??!! :-x
  7. well it will come as no shock that Elderbridge have not complied with the SAR, I have now complained to the ICO. also still no reply to my complaint re the settlement amount. But got this from the court, which still doesn't make any sense! ‘This is a mortgage case, so the mortgage itself usually entitles the Claimant to add legal costs to the mortgage account. The court therefore does not order costs and the Defendant will need to check with the Claimant what costs (if any) were added to the mortgage account. The case was allocated to the Fast Track by order of District Judge ****** made on ** June 2013. That decision would have been made based on the type of claim, its value and complexity among other factors.’ I replied back to them 'The issue I have is that the case was for over 100k which is well above the 25k limit, it was also quite complicated. It is my understand that costs can only be added to the mortgage account if they are reasonable but the costs were not assessed. Also in a fast track trial I believe the costs are capped, but capped at what? They supplied an estimate of their costs but as explained costs were not discussed in the last hearing, I do not understand how the judge can say in the Trial that costs will be discussed in the next hearing, then not discuss them and this then means that the claimant can just add them?' their next reply was 'As mentioned in our previous email, the file was located and referred to the judge along with your correspondence. The previous email contains the judge’s comments after reading your correspondence. Also, please note that court staff are unable to comment on judicial decisions. If you are not satisfied with the decision and want to contest it, please seek legal advise on how to proceed. ' It make no sense to me that they would mention in the trail that costs would be rserver till the next hearing then not mention them at all and because of that Elderbridge are allowed to just add them. also surely the court also needs to clarify whether interest can be added as it looks like that's what they've done! any further advise greatly appreciated
  8. Thanks Andy, Not much I can do right now I suppose, I'm waiting to hear from the court that they've found my file, waiting for my SAR to come back too. When he SAR gets to me, I plan to make them an offer, I have already paid around 94k, I borrowed 100k, they can have 6k at the most. Or I pull out of my sale and go to court. I am aware that they have now settled with 5 other customers now. I know things that I don't think they want me to know, it'll be in their interest to make a deal
  9. well if it was that straight forward and Elderbridge believed they are correct to charge the costs or add them to my loan etc, then why has it taken them over 4 1/2 months to tell me so. They still have not responded to me about this, they've treated it as a complaint and have not replied!
  10. that's the thing, I didn't remember completing one that's why I checked with the court, they confirmed the DQ was not required/completed
  11. some further developments. I contacted the court to ask them why it was allocated to the fast track, they say according to the notes a directions questionnaire was not required/completed in this matter?? - What the...?? Also they cannot locate my file! - great!! they said once they have located it they'll be able to tell me why it was allocated to Fast Track. I am lost for words!
  12. Great, well just got off the phone with the conveyancing solicitors, who have said that I need a more specialist solicitor, one that can do the conveyancing but also give advice about the loan -told them I am not looking for their help re the loan - I just need them to hold the funds - this is going to be a nightmare isn't it?
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