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

Baz1994

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Everything posted by Baz1994

  1. Baz1994
    Thanks Michael Thought as much and is so annoying. I have two company delivery signs in which are clearly marked and visible including one in front window on embossed company logo. PCN shows just time of 5:50am. Also states photographs of the vehicle may have been taken to show it parked in contravention. The PCN was loosely attached to window screen of van and guess he was in bit of a hurry. Ford Transit with re-frigeration approx 3.5 T or less I believe. No signage for any loading restrictions including times.
  2. Baz1994
    Parked on double yellow lines (no kerb markings) outside restaurant this morning approx 5.45am. When I came out after making delivery I had a PCN on my delivery van. According to two men I spoke to parked across the road, it was a mobile enforcement car with the CEO getting out and taking pictures then sped off. I have just googled nearby signage and it is a small yellow plaque with a small controlled zone circle and times midnight - 8am & 6.30pm - midnight. Also has picture of a bus and a lorry with 5T on it. Can someone kindly confirm what signage instructs apart from no waiting / parking during times shown. Thank-you
  3. Baz1994
    Cheers martin2006 It was only what FOS said and told me to keep in contact with Skye regarding the litigation.
  4. Baz1994
    Ok thanks again Martin2006. I have scanned all details and forwarded to FOS including relevant complaint form. I have been allocated a complaint reference. Now in the process of advising Skye via letter. Will keep forum up-dated for anyone else who is experiencing same with this company.
  5. Baz1994
    Thanks
  6. Baz1994
    Just an up-date to the above. I have now spoken to FOS and submitted a complaint. Discussed circumstances including litigation in which they said they could not stop, even though account still in dispute. All they said they could do was ask Skye to refrain from their intentions until investigated but they are within their rights to refuse, which is worrying.
  7. Baz1994
    Thank-you both for your comments. I am currently drafting up something for FOS but will speak to them this afternoon. THe last conversation between my OH and Skye really upset her and had her in tears. They were quite pushy and requested that we had to provide 3 months bank statements, pay-slips and completion of their I & E form before consideration of increased monthly payments to cover the disputed arrears of approx £2,500. We requested dialogue / transcript / recording of the conversation stating the date and time but we only received brief notes in which omitted the relevant details that caused the distress. They refuse to provide anything further even thought this formed part of our complaint. We have been making requested contractual payments and none have been missed and my OH was told that paying an extra £40 per month would cover the disputed arrears, in which we have been paying. Today we have received another letter from their arrears department stating that they now cannot formally accept the increased payments being made until we have supplied the above mentioned requirements. It seems that they are intent on pursuing repossession to me rather than answering our dispute in a concise manner. We did ask for how many months are left on our loan and what monthly amount is payable to term end. They only replied with how many months and date of expiry but no actual monthly figure? We also received and early redemption figure in which they only show a balance payable but no rebate of any interest. They again state that they are willing to give us 21 days to respond before litigation.
  8. Baz1994
    Thanks again martin2006 I will get something off to FOS as soon as possible. I have requested breakdown of the arrears ie monthly payment plus interest/charges but all I receive is a statement of account or arrears statement and balance of arrears. I have now finally received an early redemption statement after various requests. On checking figures stated and presentation, it differs from one that we received from BH before the account was transferred. Skye do not include any rebate of interest payable and only the balance outstanding. They seem intent on pursuing either increased monthly payments, submission of IE, payslips and bank statement account details or repossession of property. I am somewhat confused and concerned that customer services responded to my complaint giving 6 months to submit to FOS and then I receive a different letter from their arrears department (different person)giving 21 days until repossession starts if arrears not paid and if we don't not call them. I have always requested that correspondence is to be in writing only especially due to the manner of the previous conversation with my OH that formed part of the complaint. They are very rude and tried to bully my OH even though she explained circumstances and that monthly payments were being made and arrears is only approx £2,500. They suggested that we rented one of our rooms out, my son or myself to get a better job that pays more, my 16 year old daughter to get a part-time job or to sell up as we have equity.
  9. Baz1994
    Thanks Andy, All they have sent is a Arrears statement of account, arrears balance details but no confirmation / breakdown of amount mentioned and debtline / shelter leaflet details. I have been asking for this but they have only sent a statement. Monthly payments have been made but they seem intent on chasing for payment of arrears and to also repossess our property. No default notice has been submitted, just statement to pay within 21 days. I eventually received an early redemption statement after various requests but they have not included rebate of any interest, just a balance to be paid. Is this correct? Finally as to my earlier question regarding my complaint, can they still proceed with repossession if I refer to the Financial Ombudsman?
  10. Baz1994
    Sorry for delay in response but had something else urgent to attend to. I will provide recap details hopefully by tomorrow. In the meantime and further to Skye's response to my complaint, I replied with further questions to their comments but advised that if still not happy then I would send to the Ombudsman.. Original letter did not state that it was Final but they did mention that I had six months to refer to FOS if not satisfied. Today I received another letter from a different area, their arrears department (complaint with customer services) giving me 21 days to pay up or they will instruct solicitors etc Now if an account is in dispute and can still involve FOS, can they still proceed with repossession ?
  11. Baz1994
    I have an ongoing dispute with 2nd charge / secured loan company regarding outstanding arrears. Submitted Formal Complaint. Response received and no mention that it is final but do mention that I have six months to refer to FOS. I went back to them with my response to their findings before deciding whether to refer to FOS. No reply yet from them apart from today receiving a letter from their arrears department stating that I have 21 days to pay the arrears or they will instruct solicitors to proceed with repossession. My question is, if a dispute is still ongoing including option to still refer to the ombudsman can they still carry out their actions / threats? Thank-you for looking.
  12. Baz1994
    Ok and thanks again martin2006 I will get back to you later with recap details. Cheers
  13. Baz1994
    Ok martin2006 I will do later and will keep it as brief as possible. In the meantime, can two parties do business / administer loans / mortgages if one is only regulated? Who are Skye Loans Limited? No website details and not much to read up on. All I know is that they administrate 2nd charge mortgages? They don't actually sell loans so a bit confused. Thanks
  14. Baz1994
    No martin2006 Just an introductory letter. I had to ask both BHG and Skye for details. I eventually received a photocopied 'Standard loan terms' LG 12/9/01, after BHG originally advised that they had no details? And apparently Skye are not regulated so have appointed Capita Mortgages Services Limited (CMS) to administer mortgage, who are regulated by the FCA.
  15. Baz1994
    a belated Thanks
  16. Baz1994
    Yes Ford, the person at the ICO said that it was not a requirement iro a SAR, in which was news to me But did say to go back and asked if it was recorded and that you require further details due to the tone and manner of the conversation with my OH ???? Can only ask again but as stated before notes did not state what the Skye person was suggesting and bullying attitude that upset my OH.
  17. Baz1994
    Thank-you for your comments St jane. Yes you would have thought they would have been advised but like many others perhaps they were not. We will await SAR details to confirm. The question is if fee paying account, was it correctly explained. Were the benefits on offer required. As I stated before her father has dementia and originally handled the bank account. Her mother has taken ownership due to his illness but has never had to deal with anything like this before, hence my comments she thought the account was being closed. Why take until now to advise the account to be downgraded, when on reviewing the insurance benefits on offer, there is an age limit of 80? They are 85 & 87. I am aware that Lloyds stopped selling these accounts sometime in 2012.
  18. Baz1994
    Thanks so much both of you. God knows how long they have been charged for this account in which was absolutely no use to the both of them. Never had a mobile phone, did not travel and knew nothing about the fee being charged until my OH checked their latest statement. Apparently being charged £12.50 per month for the privilege. They have now received another letter about account being downgraded, hence my OH's mother was panicking that they were closing the account bless her. So just draft up some sort of letter of authority signed by OH's mum and send with the SAR requesting that to be sent to our address ? Then we will submit a formal complaint for the late advice 5/7 years late, including fee reclaim. Thanks.
  19. Baz1994
    My OH's elderly parents received a letter advising that their Gold account is being downgraded. When my OH discussed this with her mum, she was unaware that she had been paying a monthly fee etc so possibly a case of mis-selling. The letter also stated that they were downgrading account due to 80 year old age limit, yet they are 85 & 87 years old and therefore a bit late in advising. Now my OH's dad suffers from dementia and her mum is not very well and when mentioned about submitting a complaint she felt that she couldn't go through with it. Obviously my OH and I are disgusted with Lloyds and tried to assure her that all will be kept in writing. Can my OH submit a SAR on their behalf and deal with the complaint ? Any advice would be appreciated including relevant Lloyds SAR address. Thank-you
  20. Baz1994
    Many thanks Ford and will try a different approach. I would have thought at least a complete transcript of the conversation at least as full and important content not even mentioned. I will keep you posted.
  21. Baz1994
    Ok and thanks again martin2006. I just find it misleading when both parties state no change in T & C's, yet already I have found discrepancies. Regarding the fees and charges, this only came to light when I requested details. I thought as much regarding the deed of assignment but still thought that any sale etc should have been stated in the T & C's. Now amongst our SAR paperwork I have found an early redemption figure statement (we requested it recently) in which for some reason was not sent to us, in which Skye do not include any rebate of interest yet BH did before it was sold ? Surely same conditions should apply ?
  22. Baz1994
    Also regarding copy of letter in post #80 (Point 2,4 & 5) Sale Agreement / Notice of Assignment etc is that correct in what they have replied ? We did receive a letter from both BH and Skye advising of transfer of loan / mortgage and that T & C's remain the same but no assignment details. Skye fees / charges are more, they do not include rebate of interest on early settlements hence our concerns. Would there have been certain legal rights that were assigned to the purchaser? I know Deeds of Assignment are not all standard but would they contain various 'conditions' affecting what the buyer can and can't do with the loan afterwards ? Should there be something in the T & C's stating that loan can be sold? We asked for confirmation but they have avoided answering. Thanks for any assistance
  23. Baz1994
    Yes quite agree Ford and it is so frustrating. Even the conversation with the ICO totally baffled me. Always thought requested details should be submitted but I was wrong. On past experience with another well known lender, they denied any telecon details until complaint went to FOS in which the adjudicator obtained details and used against me, not upholding my complaint I will contact again requesting full details but ICO confirmed that they do not have to even if it has been recorded ? What I find shocking is that they have only stated in notes ' discussed options with borrower' and not any suggestions of selling house, getting a lodger, 2nd job, kids out to work, getting a loan etc. And all over a disputed arrears amount of £2,500 !
  24. Baz1994
    Thanks martin2006 Sorry was meant to add ICO. I spoke to the ICO yesterday. Apparently it is not a requirement to provide detailed telephone conversation transcripts or any other format of conversation. Something I did not realise When I mentioned it was due to important request for certain dialogue regarding my complaint, they only suggested that I go back to Skye again and mention this but do not have to provide under data protection
  25. Baz1994
    Yes Ford but maybe the start of a separate complaint. I spoke to the ICO about it today. Apparently there is no requirement under data protection to provide a copy of the call and any detailed transcript of the conversation that took place. When I explained why i required details, they suggested that I go back to Skye and say that info is required due to the tone / nature of what was said / suggested. I did not know this hence why I raised the above and was hoping for confirmation. It just seems unfair that they can say what they want. Then when questioned or disputed, they can deny any conversation ever taking place and water down dialogue.

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