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About tedblue

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  1. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. Hi, As a tenant in privately rented property I found that my landlord was in difficulty with his Mortgage Express mortgage. The mortgage was handed to a firm who have been great in collecting the rent from me to pay the banks receivers. It now transpires that the receivers have released the property back to the landlord so the company I have been paying the rent to will no longer collect it. My dilemma is that the landlord has not been in touch, no letting agent has been in touch, the bank has not been in touch and I have had no way to pay my rent for the last 3 months. All the co
  3. Ach, this website makes you see the joy of being a bank director huh? My current situation is this. Business failed last year and I had an unsecured loan with ING. Unable to make payments, I set up with CCCS. I keep ING informed throughout, including a letter when the business folded. As of November last year they started to receive payments from CCCS. In December I receive a letter from their solicitors Salans telling me they plan to take court action against me. I phone Salans who tell me that if I send them the details of the CCCS agreement they will not pursue it. I send it to them
  4. Actually stuck on filing the claim at the minute, Got to the point of receiving an offer from RBS for half of the claim (surprise) when things went pear shaped and it it had to go on the back burner. Now I assume any post from them has gone to my work address so I need to climb back on the horse and go at it again. As I have given them my final letter can I simply hit them with the claim even though there has been a break in proceedings?
  5. Bloomin' heck, if time flies when you're having fun then considering how quick it goes when your life is flipped upside down? Business has gone balls up and mortgage is currently being switched but I am more determined than ever to make the f***ers pay. I had a buyer for my business who spotted my weakness and sat and waited until I went under so as to pick up the lease and business on the cheap. shafted ig time In all honesty it is a relief to be out of the business but if the bank now think that is it then they can think again. All it means is that I have more time to rebuild my lif
  6. Afternoon all, Quick update. Accounts all handed to their credit collection service who basically told me the account closure 2 days after a refund was pure coincidence. A week later I have a phone call from them telling me they have received my complaint from the financial ombudsman and "would like to discuss the situation". So far they have offered me half of my claim. I refused and told them I will be in contact in due course with what I feel will be an appropriate course of action. I think the banks are becoming even more scared of large claims when people no longer have anyt
  7. Thank you so much for the advice. It does seem to be purely a problem with agents. I had a chat with the landlord who was suprised when I told him I was not in arrears. He is only working on the info given to him by the agents. I am tempted to let them lock me out and then go for them. The original lease took months to deal with as the old landlord tried to use an off the shelf lease to save himself money and my solicitor virtually took it to pieces and started again. I think it will be fairly water tight on my behalf. Obviously I do not want it to go that way but it will be temptin
  8. So to follow on from my problems with my bank and now have a problem with my landlord, or rather his agents. To cut a long story short: 1) Took on lease with landlord, he would offer rent demand, I would pay. 2) New landlord, uses agents, do not offer rent demands, simply walk in and demand payment, payments end up all over the place. 3) Switch to weekly payments as falling behind on payments due to bank issues. 4) agents have complete inability to retaing records of payments as proven when I demanded to see log of payments. 5) Revert back to quarterly payments but agents now
  9. Is there a link to where this has come from, so as to be able to print it from the original text?
  10. In a similar position myself but have just seen: http://www.consumeractiongroup.co.uk/forum/lloyds-bank/5584-janeyb-lloyds-massive-settlement.html?highlight=loan& I think that the banks will be very unilkey to go to court as they will have to divulge all information the charges. I would think it is in their best interest to settle before it reaches court. I am seriously considering going for the whole amount. This is purely just my perception.
  11. Did you not worry about going for the full amount in one go ratehr than the small claims?
  12. And I NEVER forget the ladies.................. The restraining order is proof of that!!
  13. Hi, Thanks for your kind words. Hanging on at the minute but really up against it. In the process of moving my mortgage, reported RBS to the financial ombudsman and awaiting their reply, but really feel like a SOS bottle floating in a bloody big sea right now. Still fighting, but feel a bit like a knight that says neeeeee
  14. I see what you mean about being in a similar boat. Good luck young man!
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