p3t3r
-
Posts
505 -
Joined
-
Last visited
Content Type
Profiles
Forums
Post article
CAGMag
Blogs
Keywords
Everything posted by p3t3r
-
..
-
cynical... since this happened to you and what a friend said in conversation a long time ago, i am wondering whether this process is being used by airlines, to encourage their staff to make a report against passengers for aggression when the fact is that there was a minor overlook on rules and certainly no aggression. possibly a money making exercise to clear seats to make way for other passengers.
-
,,
-
I cant understand why fmotl is discussed on cag? It just seems to give credence to their websites. Someone could easily get taken in by fmotl debt type sites and that would be detrimental to themselves. I first learnt about fmotl from CAG website (through implied access rights threads). I would say that at least 90% of fmotl is just rubbish and discussing it here could lead other people to fmotl sites and they could potentially believe such websites with disastrous consequences to themselves... such as the family who believed it in this thread. It is a good thing to discuss this on CAG as it shows people there is no truth in their claims, but at the same time it is also a bad thing since someone can easily click through to the fmotl websites and start to believe and get taken in by their tripe. With potential to lose their home as seen above!
-
sorry, can't help you. will just add that a friend who works on a different airline as a stewardess mentioned in conversation a year or 2 ago that even the slightest disagreement with a passenger must be reported as aggression to the airline. Perhaps its the same for the airline you used? Disagreement about your own drinks, so therefore reported as agression? You could make a SAR for the airline report.
-
hi steampowered, i re-wrote the N1, then saw your advice earlier, so adapted it. I have asked in the new N1 (my second attempt) for: Pursuant to section 7 (9) of the Data Protection Act, the Claimant seeks an order that the Defendant comply with the request. and --- This has caused the Defendant considerable distress and damage including (1) time spent trying to resolve the issue (estimated at 15 hours) and (2) telephone costs (estimated at £10). Pursuant to section 13 of the Act, the Defendant seeks compensation of no more than £500 in relation to the Defendant's failure to comply with the Claimant's request. I have a 3 week holiday from work (hopefully) and I would like to get this form into the court as soon as possible. I take above form into court Monday / Tuesday.
-
..
-
bazza / caro / sabresheep / bornthisway / thanks for your help! i don't think anything more can be said in thread at the moment. I am not willing to waste more money in this and pay for solicitors and barristers again. I will update thread with outcome from me standing outside one of their branches.
-
I did it before, for 20 minutes or so, until the branch manager came out and told me he had spoke with another manager and that I would receive a response from my 6 year complaint that same day. It worked. I received a response by phone call. And they followed that response up with confirmation letter. Shame on them for not doing this 6 years earlier. - But, that is what it took, for me to stand outside their branch. I was hoping not to waste my holidays standing outside the bank again. This will be a different bank so I would feel as if I do not have any obligation to anyone asking me to stop like the previous time. Sad situation a customer has to do this. Actually, the last time I had expected people to moan and grumble at me, but they were all friendly with some even thanking me for the leaflet I gave to them.
-
They ignored a complaint for 6 years. Every 4 or 5 months, I would send them the same complaint and copy of solicitors letter. They only answered my complaint after I said to their branch manager I would be standing outside his branch. Police friend didn't advise it. I asked for advice on legal way of standing outside bank. What would it achieve? It would hopefully achieve someone to look and see they made an error in repossessing and to offer me apology and compensation. I achieved a result before (after they ignore me for 6 years) when they were informed that I would be doing this. What would i put in leaflets? Just facts that can be proven, ie - they ignored me for 6 years previously, then made an error themselves by repossessing house despite there being no arrears and ignoring me again. Also link to website showing same. That seems to be the only say in getting sense or a response from HBOS (to stand outside showing people the way they operate)
-
They were neither confused or vexatious. They had a copy of my solicitors letter along with a letter of complaint. They should have responded to the contents of the solicitors letter and not wait 6 years to respond in order to stop me standing outside their bank!
-
the only problem i can see with the mis-selling, - whilst i think it will not cover all financial losses, if mortgage is found to be mis-sold, then any compensation due to me will be kept by the bank because when house was repossessed, there was a huge shortfall because it was sold way below market value... so compensation due, if any, would be used to cover the shortfall. HBOS don't like it when someone stands outside their bank giving out leaflets. I know this because manager tried his best to help me, spending considerable time phoning people when i was in his office on different occasions. The threat of me standing outside their bank enabled them to answer my complaints which started 6 years earlier, in which they said that there is no problem in me selling house in future and they do not consider there to be any error on the mortgage. That is all i wanted from my bank in relation to my complaint and concern. But 6 years it took them, and only after the threat of me standing outside their bank... It seems that there is not much I can do. I think I can kiss goodbye to my holidays over next few weeks and say hello to a new branch manager as well as the great british public
-
and i do not believe i have sent in spurious or unreasonable complaints to them. my initial complaints centered around solicitors letter saying i couldnt sell house in the future and that there were errors made in the completion of the HBOS mortgage. later my complaints were concerning their error about not updating my bank account which caused arrears, then repossession despite the fact arrears had been paid. none of my complaints have been spurious or unreasonable.
-
and - to answer your question about Why should HBOS feel any responsibility for actions of my agent / solicitor? = because I was a customer of HBOS and asking them why my solicitor informed me about the errors and inability to sell etc.
-
maybe another example is that research should have been conducted to ascertain that i did pay the arrears. this court case http://www.theboltonnews.co.uk/news/12897055.Murderer_who_strangled_his_mum_claims_he_did_not_receive_fair_trial/ shows a murderers legal rep argue that the murderer did not receive a fair trial as no research was conducted into the effect of his medication. no research was conducted into where my arrears were paid! the judge could have postponed the repossession for a few days in order for me to get the document. he could have delayed the court hearing by a few minutes also.
-
the unfairness is the court waited approx 2 hours for HBOS solicitor yet would not allow me 5 minutes to get the evidence. also, i thought that for court, both sides need documents. the judge asked HBOS solicitor if she had any notice that i paid the arrears. the solicitor did not have that paperwork with her. the solicitor did not show any paperwork to the judge. other examples of unfair relationship between myself and HBOS before court hearing is that HBOS completely ignored my earlier complaints (Concerning the professional negligence of conveyancing solicitor)
-
Then i dont know the reason. I blindly followed the advisors advice. Perhaps I could go down the route of the mortgage being mis-sold? But i am not sure if that would cover all financial losses.
-
rights to a fair trial = no duty solicitor was available, HBOS solicitor around 2 hours late, I was not allowed 5 minutes to return to car and get document are they sufficient reasons i can argue that the court hearing was not a fair trial?
-
so that means a bank can take someones house from them without there being any arrears, in the full knowledge that the customer then has to resort to legal proceedings! ive already had to pay £5,000.00 for solicitor and barrister for earlier problem with mortgage through no fault of my own... plus they wanted more money to make claim. paying more money for further legal advice... = the only winners are the legal profession it seems that most of my holiday will be spent standing outside one of their branches handing out leaflets to passers by. maybe that will shame them into dealing with my complaint.
-
mortgage advisor told me it was the cheapest possible option for me. self cert as i just finished uni and couldnt prove my income as i just started working. house was never rented to anyone. not even in the 3 months i lived with parents because i didnt want any risks or hassle in renting it out to people. if i knew it was unregulated and i couldn't fall back on an ombudsman if everything went wrong, i probably would not have accepted the mortgage. it is a lot of money for me to lose, the deposit, the arrears, plus i also paid for the house to be partly refurbished. it seems that at the moment it is my fault for not having one document with me in court (yes, it is my fault) but at the same time i feel that HBOS are at fault to a much greater extent
-
not sure what else i should reveal. apart from one branch manager who could see my problem spent literally hours trying to get the problem sorted out. the branch manager had 4 meetings with myself, on each occasion he tried to speak with someone who could deal with my complaint. upon the fourth occasion and after many many phone calls, the branch manager told me someone will be dealing with my complaint. I then had to wait 8 weeks for an answer to my complaint, their answer was that they could not read my letter. When asked why they could not read my letter they said there was a paper jam which caused the letter not to be printed correctly. (excuse). - I then went back to my bank and spoke with the manager again, by this time we were on first name terms! He was at a loss for words when i told him outcome of complaint. He spent time speaking to several people (whilst i was in office with him, same as previous occasions) and the result was that he faxed my complaint to a head office. The result from that was they replied saying that they had received my complaint and that any further communication from myself would be placed on file.
-
It wasn't my error arrears had built up. Neither was it my error that when the arrears had been paid, they were paid into a wrong account by HBOS. HBOS refuse to answer this complaint.
-
You would probably obtain more money for the sale selling it privately than letting the bank repossess it. http://england.shelter.org.uk/get_advice/repossession/going_to_court/what_the_court_can_do that link gives some details. I am guessing that if you can show the court your house is for sale with an expected completion date, the court would allow you. As your mortgage was interest only, it may be worthwhile investigating if your mortgage was mis-sold to you. There is a lot of info on google showing mis-sold interest only mortgages.
-
You will probably still be writing in this thread a month from now as it can be seen that Vodafone are not really competent in dealing with customer problems / complaints / issues. Personally, I would try to use your many problems as an excuse to leave this network completely and give your custom to another network that treats its customers with the respect that they deserve.
-
hi, can you explain why the problem lies with the Ford dealer? I thought as the OP contract was with the leasing company, then this problem is between the leasing company and OP?
Latest
Our Picks
Reclaim the right Ltd
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS