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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
    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.
  2. Baz1994
    Additionally if an account is in dispute / Formal Complaint, do Skye have to refrain from adding charges and proceeding with legal action ? On written responses received so far regarding Subject Access Request, there is no mention of referring to FOS / FCA if need be ?
  3. Baz1994
    We further requested recording / true copy of a particular transcript of telephone conversation giving date and exact time from a Loan Broker. Previously received some sort of print / scratchpad notes of conversation with SAR but important part of dialogue seems to have been omitted. Now my OH was told it was being recorded and she said that the person at the brokers was talking to her and typing up notes at same time. They have now refused our further request and stated that they are not obliged to provide any other format / CD or telephone call transcriptions. Can someone kindly confirm if this is correct ? Thank-you
  4. Baz1994
    Today received a further response to our SAR from Skye. Now what concerns me is the comments regarding the bullying conversation details with my OH. She was told it was being recorded. The details received with SAR were only scratchpad / typed notes whilst the person concerned was discussing with OH. So I requested actual conversation recording / or detailed transcript. I have already an ongoing complaint with Skye regarding distress caused to OH and other issues in which is still being investigated. Do I wait for the outcome or do I again request further re SAR ? Or do I refer now to the FCA / Ombudsman ? I can assure you the actual conversation was awful for my OH and had her in tears. Suggesting taking in a lodger / renting room out, selling the house, getting a second job and threats etc. Surely they cannot get away with talking to people like this and something needs to be done urgently. Is there other guidelines regarding this that they should be abiding to ? If so please can someone kindly advise link what would apply so I can address as soon as possible as Skye seem to pressurise the circumstances without any understanding. I have attached SAR further response from Skye. Thank-you for your help.
  5. Baz1994
    OK many thanks for comments and clarification. Hence why I mentioned details from main lender refusing request from Skye as wasn't sure where we stood. We are quite happy to negotiate increased payments if arrears are proven but not happy with Skye's request for bank statements, as feel this is private and confidential. We have no problem submitting I & E and payslips. and nothing in T & C's regarding sale of loan / mortgage to another company, so does this not matter ? Also should all T & C's conditions be transferred over ? Skye do not seem to include any rebate of interest payable on their early redemption statements, where as BH did.
  6. Baz1994
    Ok thanks dx So if refused what other options do they have? We are currently still paying monthly payments. Had a previous arrangement / increased payments with BH but Skye are now saying not enough. If arrears are fully explained / justified then it was mentioned that we could increase our payments to pay-off. Conditions suggested were that we provided I & E, 3months pay-slips and 3 months bank statements. We have also requested that they freeze the interest. Regarding Notice of Assignment / transfer of mortgage I cannot find anything clarifying this but presume they are allowed to do this.
  7. Baz1994
    Many thanks martin2006 So can they try and repossess / force sale of property even though they are the 2nd charge / mortgage? Hence my mention that they have already approached our main mortgage company who refused their request for details twice. Therefore do they need their permission to proceed ? And will they go for the whole loan amount or just the arrears ? The account is currently in dispute regarding the arrears and there are some charges made on the account on looking at statements provided. We also have a complaint ongoing regarding the telephone conversation with my OH, as mentioned in previous posts. So no NOA details required just a letter of transfer is needed ? Thank-you for your time and sorry for further questions.
  8. Baz1994
    Anyone thanks
  9. Baz1994
    OK Skye Loans Ltd SAR details received this morning. A bundle of papers, not in any sort of order and Skye had until 3rd August 2016 to respond. Still no response from BH regarding previous enquiries in which I have followed-up again. Credit Agreement & Legal Mortgage details received (same as previously posted) no original agreement number mentioned only handwritten amended account number. No witness signature or dated details from BH rep. No copy of T & C's overleaf as mentioned on agreement. No notice of assignment details, only letters from Skye / BH advising new owner of Loan Agreement - Is this suffice ? I have found copy of Standard Mortgage Loan Terms booklet 2000 Edition - No mention of account being able to sold etc. Does state that all T & C's remain the same on both letters received from Skye / BH. Amongst SAR bundle, I have found early settlement quotation Skye letter (not previously received) where they have not included any rebate of interest as per previous BH statements ? Only telephone notes provided regarding distress call with OH - No complete recording of conversation as requested. OH was told that conversation was being recorded. Submitted details incorrect to what was discussed. Also amongst details there are two letters from Skye to our original mortgage lender (1st charge) requesting redemption figure, monthly mortgage amount and total arrears outstanding. They also state that they are considering repossession proceedings and we were not aware of these correspondences until now. Both times our original lender refused their request as no written authority from us. Can Skye (2nd charge) still enforce this or will they now pursue a CCJ ? No Skye Abbreviation Guide to Comments submitted. Finally amongst the 'Scratchpad notes' it transpires that they have been making enquiries regarding value of properties in our street and Experian shoes £XXXXX outstanding on our mortgage in which is incorrect ? Sorry to bleat on but want to respond with as much detail as soon as possible. If any details need posting up plse ask. Thanks for any assistance.
  10. Baz1994
    OK many thanks for replies.
  11. Baz1994
    Thanks dx and did look but there are a couple of addresses, hence why I asked. Knutsford address ? Cheers for looking
  12. Baz1994
    Can someone kindly confirm correct contact address to avoid any delays. Thank-you
  13. Baz1994
    I wish martin2006 and thanks again for comments. :wink:
  14. Baz1994
    Thanks martin2006 No have not sent anything yet as awaiting SAR from Skye. They keep requesting bank statements in addition to I & E / Payslips. We have also requested copies of NoA etc from BH. Will post up once responses received.
  15. Baz1994
    anyone thanks
  16. Baz1994
    Awaiting SAR details from Skye. Formal Complaint / Account in dispute letter sent. Still being harassed for arrears etc and requesting that we send bank statements regarding payment proposal / freeze of interest. Do we have to comply or is submission of I & E plus payslips suffice ? Should I send them a reminder that the account is in dispute and say that I will submit a complaint to the FCA ? Also sent request to BH regarding notice of assignment letter, no reply still. Thanks for looking
  17. Baz1994
    Registered office is Harden 2000 Limited Shop is Furnishing Flair
  18. Baz1994
    Thank-you for all your comments BankFodder. As their service has been appalling my OH wanted a refund to take business elsewhere. Is it too late to decline offer of replacement and request full refund ? I see that you touched on it above but just wanted a bit of clarity if we are still covered. Cheers
  19. Baz1994
    And does the gaurantee start from date of purchase or date of receipt of item ?
  20. Baz1994
    Lol and Thanks HB. Yes should be 2015 / 2016 Just hope someone can kindly confirm as believe their delaying in order to only offer a replacement rather than full refund. Last conversation today on telephone, person at shop said if not happy with replacement then take us to court Surely a decent table should last longer than it has - poor quality as far as we are concerned.
  21. Baz1994
    Hopefully posted under correct thread. Purchased dining room table July 2015 and paid for in full. Delay in delivery item eventually arrived end of September 2015. March 2016, noticed table was faulty (movement) and when checked underneath there was visable damage to three leg joins. Took photo evidence and contacted retailer. April 2016 manager came to house to check product and confirmed under gaurantee. Said they would contact us within the week. Heard nothing so contacted them 2nd week in May 2016. Did not offer refund but said a replacement had been ordered. Told OH that not same table as been modified. Still no contact about replacement table so OH called them again and said that it will be delivered from 6-8 weeks. July 2016 called retailer again as heard nothing, confirmed that table ready to be delivered. Now due to the poor quality and customer service are we still entitled to a full refund or do we have to accept the replacement table ? Thank-you
  22. Baz1994
    Ok dx thanks again and apologies. I will await SAR details from Skye Loans and in the meantime I will follow-up with BlackHorse regarding some other issues. Should any Notice of Assignment letters be headed up to that effect ? Or is a letter just stating that account has been transferred suffice ?
  23. Baz1994
    Cheers again dx Sorry so are you saying there should be something else that we signed ? This is all that they can provide. Original typed reference number was for their head office. Our agreement number was hand-written on copy provided as part of SAR. Cannot find any T & C's - or any details regarding transferring / selling accounts.
  24. Baz1994
    Thanks dx that clarifies that then. Also they have no right to vary original terms and conditions ? Posted Credit Agreement above, with further questions. Cheers Baz
  25. Baz1994
    Just an afterthought On checking letter details received from Skye, I see that it states that this mortgage is being serviced by Capita Mortgage Services Ltd, in which are authorised and regulated by FCA (306235). Sorry for daft question but are Skye Loans Limited therefore registered / regulated ?

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