Meant all the arguments the Mortgage company put forward was met with the same from her representative.Mortgage Company .........Kensington

Just to let you my friend went to court yesterday for a directions hearing and the court HAS decided to let it go ahead to a Full hearing date to be advised.There was a Barrister and soliciter from the other side but she also took her husband(a soliciter)and counsel,and from what she says evrything they argued was argued back in the same eloquent manner that it was given and on the same level.Unfortunately unless you are able to speak the same language as their representatives I dont think any of us stands a chance,thats why we will DEFINATELY be taking counsel advice ,because unfortunately although we are given good advice on this site its not the same.

Hi I left a message on this thread last night about the fact I have found a barrister to act for us who will in fact bring a class action on our behalf. Seems to have been removed WHY !!!! Thought this site was to help EVERYBODY thats what I was trying to do !!!

Hi Maroon Fox I have just bveen speaking to a reporter from the Daily Mail,there will be an article in this paper tomorrow.i TOLD HIM ABOUT YOURS AND Jamorgans case he is interested in printing your story if your are willing as they are starting a campaign against these mortgage companies. Please PM if your are and i will let you have his personal phone number. Cheers

Hi Everyone Just been speaking to a reporter from Daily Mail there will be an article in the Daily Mail about the ERC penalties.I have told him about Jamorgans Story,they will be atarting a big campaign. SO BUY THE PAPER and see what they say.

Hi Boy I have just been dealing with a Guy called Briad who runs the Mortgage Mediation service,he helps in cases like yours to mediate a settlement if you need him give him a call is really nice really helpful and takes a load off your shoulders as he does all the work.Talking to the lenders going to court on your behalf etc etc. Thought this might be helpful,he is also lobbying for the removal of ERC charges.

NOT SURE IF ANYONE HAS SEEN THE ARTICLE IN EXPRESS TODAY ENTITLED END OF ROAD FOR RIP-OFF HOME-LOAN EXIT CHARGE. States city watchdog is finally taking action against the mortgage lenders who have profiteered from the fees they charge. Really good long article FSA has given them until Feb 28th to put their house in order and stated that they WILL have to pay backpayments to ex customers for over charging admin costs.Again it states that these charges (like the banks) have to be reasonable and in proportion to their actual costs.It states that the watchdog will be seeking justification from the lenders on their costs. The FSA is suggesting a fixed fee. IT SEEMS THAT WE ARE GETTING SOMEWHERE,ANY ADVICE NEEDED THE FSA has asked that customers contact them and to make any complaints to them if the mortgage company hasnt responded. HOPE THIS HELPS

NOT SURE IF ANYONE HAS SEEN THE ARTICLE IN EXPRESS TODAY ENTITLED END OF ROAD FOR RIP-OFF HOME-LOAN EXIT CHARGE. States city watchdog is finally taking action against the mortgage lenders who have profiteered from the fees they charge. Really good long article FSA has given them until Feb 28th to put their house in order and stated that they WILL have to pay backpayments to ex customers for over charging admin costs.Again it states that these charges (like the banks) have to be reasonable and in proportion to their actual costs.It states that the watchdog will be seeking justification from the lenders on their costs. The FSA is suggesting a fixed fee. IT SEEMS THAT WE ARE GETTING SOMEWHERE,ANY ADVICE NEEDED THE FSA has asked that customers contact them and to make any complaints to them if the mortgage company hasnt responded. HOPE THIS HELPS.

Ye you definately need to ask for extension as we think that tou have an agrument to appeal.

Hi We are willing to co-ordinate,an instant website costs very little as it only needs a page and a way to communicate via emial etc,We feel APaypal account will cost us loads,we originally used it for our business and we lost more in payments to them than we made.We now use Nochex a British based paypal as it were and the costs have been halfed.Also there is Protx which is also cheaper.We do feel that if we find a solicitor first they can hold money,they are also officers of the court so hopefully can be trusted and there will be no costs.!!! We are happy to co-ordinate this ,if everyone is happy,and we are happy to ask other meber to help with IT bit,we just need sugeestions for a domain name to co-ordinate this. Please get back to us.

We have tried to set up a fighting fund to HELP ALL OF US,but it seems that nobody is really interested. We feel that unless we all get together on this and get a Class Action against these big guns we will never win. !!! See our fighting fund thread!!

Is the Law ever justified when big wigs like Kensington walk all over people and the little people have to go broke.Unless you are loaded you dont seem to have a chance.Thats why we need a fighting fund to help evrybody so that at least we can take on The BIG GUNS.!!!

Hi Jamorgan It would cost nothing to appeal,if the Judge then allows the appeal appeal to get costs revoked. As Mulligarman says you could then withdrew the case if you felt that you didnt want to go through anymore.

Hi Just taking time out to discuss with others a way forward,we feel this needs to get to House of Lords so directions can be made. A few of us are in contact and we'll post next week how we are going to tackle this. Cheers

Hi Lellypea Hold on to your cash for now. If Morgy does appeal to the Judge and he agrees she will not need to pay anyway. Speak soon