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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

barbershop0

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  1. barbershop0
    Halifax have now removed the £942. In response to my fee request refund, they have sent me a cheque for £75 and told me to complain to the FOS if I'm not happy with that.
  2. barbershop0
    The repayment of arrears can be agreed over a "reasonable" period. The court will decide what is reasonable.
  3. barbershop0
    Just checked my mortage account today and Halifax have added £942 for legal fees. I have queried this and feel that it is very unfair. I am still awaiting the written judgement form the court. Another problem for me to resolve?
  4. barbershop0
    Dissolving companies may not disbar you from acting as a debt councillor. There may have been valid reasons for dissolution.
  5. barbershop0
    How did your "friend" get on in court today?
  6. barbershop0
    Been back in court today. The possession order was set aside generally. I asked the judge not to let the Halifax put charges onto my account, as I felt that the case was not necessary and any litigation was not required. The solicitor for Halifax asked the judge not to make a statement as to costs. The judge then told the solicitor that if he did not make a statement then charges would be applied to my mortgage account. The judge ordered that the Halifax could only put charges for the court costs onto my account if they made an application to the court. I shall post the exact wording when I get the order from the court. Fantastic result for me and I thank everyone on this forum for assisting me to get to this position. Next to chase them for are bank charges and failure to comply with Data protection act, but I'm had enough of the Halifax for the time being. I re-iterate, many, many thanks.
  7. barbershop0
    Been back in court today, the Judge stated that he "tended to side with me" then adjourned the case for 21 days. This was to allow the Halifax a chance to put a clearer position!
  8. barbershop0
    Ready to go to court on Tuesday 7th, sent my information to Walker Morris. Sent Non compliance letter Sent unfair charges letter Only part I am unsure about is getting the judge to order the charges not to be added to my mortgage. Should I add a sentence similiar to " As the proceedings were not necessary, may it be ordered that no costs are added to the mortgage" Thanks in advance.
  9. barbershop0
    Hi, I am certainly am no expert, but have Mortages Plc already got a suspended possession order from 2008? Did you take your mortage out prior to 1995 (i think)? Have Mortgages plc put you back on a repayment mortgage and what are the arrears on the mortgage. How long is left on the mortgage. These questions may help someone much more knowledgable than me.
  10. barbershop0
    Well done Colly, Happy Christmas. Nice timing to finish off the year.
  11. barbershop0
    Went through the SAR details that the Halifax have sent me. This is quite a big bunch of paperwork, it was sent by DHL and must be at least 600 to 700 hundred pages. I requested this in March 2013 and received this about September 2013. I requested my SAR in about March but they lost my letter, etc, etc. Having finally got round to have a look at this, I have noticed that they not sent the full information. They have only sent the first page of each letter that they have sent to me. ie. if they sent a copy of letter saying page 1 of 5 they have only sent page 1. How do I go about complaining about this? I was going to try to reclaim my mortgage charges by letter and show this to the judge prior to going to court on 7th Jan 2014, but with incomplete information I find that ascertaining the true charge is very difficult. Any advice would be helpful.
  12. barbershop0
    Nice to hear that you will have something to look forward to in the New Year. Good luck for the future.
  13. barbershop0
    Seems like Satander / Eversheds are acting like tos**rs. Hope everything works out for you.
  14. barbershop0
    Has tony216 posted the same post on every parking thread? has he worked everywhere? I think not.
  15. barbershop0
    Hi, I have had 3 x £35 arrears management fees and 1 x £135 arrears letter fee. Can I get these back?

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