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mrsfoot

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Everything posted by mrsfoot

  1. I am glad you have noticed 2Grumpy. Many people are making the mistake of insisting on a signed copy but as it clearly states from OFT this is not the case. FOS and CAG do not encourage anyone to "get out of paying a debt" which clearly belongs to the person. What we ask is that the correct proceudres are followed and that as a consumer you are given the chance to clear the debt in a way which is fair. Lets be honest most people know if they had a credit card / credit agreement and not paid it all. So when a DCA calls you understand it is your debt. The initial idea of sending for t
  2. I was unable to go to FOS with my complaint because they didnt have jurisdiction over 1st Credit at the time of the original incident.....very frustrating but if we can gt enough complaints in to OFT then with luck they will investigate their actions.
  3. I have had the unfortunate experience with this company. I have taken this complaint to Trading Standards and Consumer Direct and FOS leading it to be sent to OFT. This is the response I received: Dear Mrsfoot, I am very sorry to hear about the difficulties you have been experiencing however, the OFT has no authority to become involved in disputes between consumers and traders and so we cannot offer you any direct help with the complaint or advise you directly in this matter. Our role is to protect the collective interests of consumers. The Consumer Credit Act 1974 (the Act) establi
  4. Ok update Carl's buyer has pulled out of the deal. Carl has now completed a N244 and has now a court date before the eviction date to go into court and ask for longer to sell the house. A couple of things I need help with: He now has a house to move in to which will be ready before the eviction. Should he just hand keys over at this point or go to court and get a little longer to find another buyer? The notice was from SPML. They had a suspended order against them. Did this mean SPML could instigate the eviction without going back to court? Is it possible for the Judge to
  5. Your friend could email [email protected] and ask if there are any project which they fund in her area. This is because SP only fund organisations not individuals. However if your friend has worked then check out this link http://www.joblinks.org.uk/ for trust funds which will accept aplications for assitance in many cases. She could also call SP and check she is on the right tarrif. A lot of providers are now offering a lower price for ppl in recipet of benefits. Hope this helps
  6. Thank you all very much for your suggestions....as wonderful as ever. I think she is going to use the letter to the Council at first. Her partner is with a Union so if she gets nowhere with the letter she will refer it to his union solicitors. Thanks again you lot xx
  7. My sister unfortunately had an accident last week leaving her with couple broken bones. I want to help her bring a case against the local council for negligence, do not want a no win no fee "company" but she cant afford legal fees. Does anyone know the best way to go forward on this? Any advice would be gratefully received.
  8. Hi Suzie Unfortunately hairdressers do not need to display prices although lots do to stop this kind of event happening. Advice to maybe check price before you attend the salon
  9. Hi Borgbaiter You can google the judges name...this will give you info on which court / law practice if any that he is associated with. Please dont be overly concerned re the costs in case....my case was similar and I had no costs against me. The "without prejudice" meeting I feel is a good sign. Without prejudice normally is associated with a settlement. The WP state usually means no party can use it in court, although in certain circumstances it can be. Make sure you complete your costs schedule and send it to the other party at least 24 hours before the case is heard. Ho
  10. Sorry to hear this, great advice from Slick123
  11. Hi Mamatemi1 How did it go on weds??
  12. "Early repayment Charges are payable on this mortgage as follows: Date of repayment Oct 05 - Sept 06 6% £4536.24 Oct 06 - Sept 07 6% £4494.01 Oct 07 - Sept 08 6% £4448.52 Thereafter 1 months notice will be required. The maximum charge you could pay is £4731.24. The early repayment charges may vary from cash example if the interest rates change" I am thinking along the lines of if the fixed rate period ran for 3 yrs and was form the date of the offer, why does the ERC not do the same? Yes it is clearly stated in the agreement but surely this is unfair?
  13. Hi Bona...yes he pays ERC if before OCtober. He has a seller but you know how these things ttake time. He has now received an eviction notice from SPML which gives him 1 month to leave the property. Am I right in thinking there should have been another hearing in order to issue the warrant for eviction (it was suspended in September last year) or can they just do this without a hearing? Any help would be brilliant
  14. Hi all Helping a friend who has been struggling to pay his mortgage. He has found someone to buy it from him as his repayments shot up from £579 to £779 a month. Now heres the story Took the 3 yr fixed rate deal in October 2005. In March this yr he got a letter stating his repayments would be increased to the above amount. We queried this with the lender who advised him the fixed rate began on the date of the offer and not on the date of signing. The offer was made in April 2005, but due to the previous lender messing around it was not signed till Oct 05. So I wrote to them on h
  15. Have just seen the new terms for charges added to Barclays Cash Card accounts. Is this a new thing....is it related to how they feel the court case will go?? Decide for yourself! All cases where a SO or DD are returned unpaid will now incur a Returned Transaction Fee of £8 per day. It is not limited to how many transactions can be charged in any one day and a fee is incurred each and every day it is overdrawn. It will go out of the bank the day after the SO or DD was returned. They have updateed clause 7 of the Customer Agreement and also "Bank Charges Explained" Mrsfoot
  16. Have just seen the new terms for charges added to Barclays Cash Card accounts. Is this a new thing....is it related to how they feel the court case will go?? Decide for yourself! All cases where a SO or DD are returned unpaid will now incur a Returned Transaction Fee of £8 per day. It is not limited to how many transactions can be charged in any one day and a fee is incurred each and every day it is overdrawn. It will go out of the bank the day after the SO or DD was returned. They have updateed clause 7 of the Customer Agreement and also "Bank Charges Explained" Mrsfoot
  17. Mamatemi1, they will not be able to get a ccj against you if they do not show the court a signed copy of the loan agreement. Go to court on Weds and show the judge what you have done in order to receive the agreement. However be aware that the judge will take into consideration the fact that you have been making payments up to May 2007 so you cannot use the "i dont think its my debt" argument. But it s a legal right to have a signed copy of the agreement and they have failed to adhere to that. You should have followed the process and reported Barclays to OFT and FSA for failing to send
  18. Hi I have given the contracts back to my sister in law, however in there is a clause which states you have to claim within 90 days. In response and to remain fair and on an equal footing they should treat you similar. Use this to get your money....it worked for my sister in law. I did hhope to put the letter I wrote on here but I seemt o have lost in...I will keep looking and try uploading it for you all to use.
  19. Volgerok Congratulations on the win. That is fantastic news!! Well done for sticking to your guns and not being "manhandled" away from claiming....I hope the future is filled with health, wealth and ha[[iness for you and yours! Ps....if you have not made a donation as of yet please remember even small amounts help run this site for others who are in the shoes you have just shed
  20. Hi Voglerok I have pm'd you a reply to your question. Some things vital to remember: 1. Always give tghe time scale that you have informed them of in your letters. 2. Never call...always complete all correspondance in writing so you have proof of what was said / spoke about 3. Take little notice of signatures on letters, mostly they are spat out by a pc and either printed on presigned paper or the signature has been entered onto the pc and just forms part of the letter. As far as I can see you have a 7 days left before your LBA expires. Give them the time you stated the
  21. Fees This link gives you info about the fees due. http://www.hmcourts-service.gov.uk/HMCSCourtFinder/GetLeaflet.do?court_leaflets_id=172 this form shows you under what circumstances you can get remission. You do not have to be in reciept of a benefit. You can also get remission if you can prove it will cause financial hardship if you had to pay. Of course you have to show evidence of income / expenditure, but it is worth having a look. Hope this helps
  22. My sister in law unfortunately has insurance with e and l. Her dog has had 3 ops the first in Jan 07 which has only just been paid out. Within 3 days of the first op notification which e and l ask for they put an amended clause stating a further op of its kind would not be paid out. The 2nd and third op were then paid by my sister in law in full. After reading through the policies / letters / emails and all other bumf from these people we have just seen that the new clause stared from Aug 2008....mistake on their part but hey....they now have to repay all of the money in full and within 14 day
  23. Well what a great thread. I am a little confused over the administrator information (Capstone and SPML) and would appreciate some advice on this from someone. I have tried reading the info but I am afraid it is all going in one ear and out the other. Can anyone do an analogy / example of what this concerns? Re brokers. I think we all agree that there are some brokers who do their job effeciently....but along with many other trades there are some who do the job for the commission alone and it is of course a known fact that some sub prime lenders give more commission than high street lender
  24. Hi Adamski Thats great news that you are being passed the cuts......but the main banks sub prime mortgage business is not really the problem. They work with more transparecy...unfortunately its the likes of Kensington, SPML, Swift etc who are hiking the monthly cost up and are not passing on the reductions. Ok here is the response from my MP Dear Mrsfoot Thank you for your letter dated 18th April regarding interest rates. I have attached a copy of the Chancellors intended speech in which he addressed the difficulties we face economically globally. The UK Gvmt has only limit
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