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  1. 1 Date of the infringements: 09/02/2019 2 Date on the NTK: 14/02/2019 3 Date received 16/02/2019 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? Y 5 Is there any photographic evidence of the event? Kind of - photos of reg 6 Have you appealed? N 7 Who is the parking company? Euro Car Parks 8. Where exactly The Arcadian - Birmingham, Arcadian MCSP, 41 Bromsgrove Street, Birmingham, B5 6NU Does it say which appeals body they operate under: Yes, BPA Stayed at the StayCity Arcadian for an event for my girlfriends birthday. Paid the hotel for parking... and now got this through. First steps - phoning the hotel and asking for a copy of the invoice, as well as a "wtf" to them NTK-ECP-Arcadian redacted.pdf
  2. Has anyone got any advice for claiming distress or inconvenience?
  3. Name of the Claimant: Civil Enforcement Ltd Date of issue: 13th January 2017 Date to acknowledge = 31.01.2017 DAte to submit defence = 4pm 14.02.2017 What is the claim for: 1.The Claimant claims the sum of 248.05 for Outstanding debts and damages including 12.05 interest pursuant to S.69 of the county courts Act 1984. Total debt and interest due - 248.05. I will provide the defendant with separate detailed particulars within 14 days after service of the claim form. What is the value of the claim? £323.05 including all costs. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim: Only Civil Enforcement Ltd are mentioned, no mention of creditor or account being assigned Were you aware the account had been assigned – did you receive a Notice of Assignment? No. I didn't even receive a letter before claim. I have attached the claim form and the separate particulars of claim form (dated 24 January 2017). The particulars were sent after I acknowledged the service. (I have attempted to upload redacted version but correct me if its not all correct!) My first question is how long do i have to submit my defence/skeleton defence? A claim was issued against you on 13/01/2017 Your acknowledgment of service was submitted on 22/01/2017 at 14:55:15 Your acknowledgment of service was received on 23/01/2017 at 01:09:20 The website states Before you can file a defence to the claim against you, you must make sure the following apply in your case: you are filing your defence within 14 days of service of the claim on you (a claim is considered served on the fifth day after it is issued) or where separate detailed particulars of claim were served, within 14 days of service of those or if you filed an acknowledgement of service, within 28 days of service of the claim (or separate particulars) Hey knowledgeable ones..... I was hoping you are able to help advise me on the next steps in the scenario below. As they sent a separate particulars of claim dated 24 Jan - am i correct to assume i have 28 days from this date to submit my defence? Secondly i have not recieved a letter before claims. Nor do i recall the NTK - although this may been sent i would like to see if its valid and also i can't see any evidence specifically any images of the vehicle alleged to made the contravention. So how am I supposed to accept their allegations - based on their nothing but their words? Do i send a CPR requesting evidence and if so do i include in the above points. I have seen the template CPR request but can i include the above in it and if so how best to word this please? I suppose the skeleton defence can be addressed later after the CPR but any thoughts welcome! If you have any links you can direct to me that might help that would be most appreciated also Many thanks COURT LETTER.pdf PARTICULARS OF CLAIM.pdf
  4. As a taxi driver, I sometimes go to BHX 5 times a day in summer, so im no stranger to the chaos there. This August I was dropping off a family of 8 AND picking up a family of 7 at same time. Both families had many young kids As i entered the drop off carpark, I noticed my clients waiting on the left by the disabled park bays. There are 12 or so bays and 10 were vacant. The park has become very busy and dangerous this season due to more flights and its always a worry that someone will get run over, specially as its a free for all with cars going in all directions The car park is opperated by NCP. i pulled into a bay and whilst unloading cases etc, a copper who had been leaning against a fence came to me and asked if I had a disabled badge I told him we cant have them He asked why i was parked in a disabled bay I explained about the mayhem and the danger to the kids and I have a duty of care etc He said those people are nothing to me, and I have no responsibilty to them He continued to be arrogant and rude, asking why I thought I had a right to do as I pleased and park anywhere etc He demande to see my driving licence and then said he WASNT going to write me a parking ticket, but WOULD be reporting it to NCP who own the park On the way home I thought about it and then googled the POLICE and CRIME COMMISIONER for West Mids Police I asked the Lady how I submit a Freedom of Information request She asked why. I told her I want to know how much public money is spent policing PRIVATE car parks She wanted to know why, so I told her the story. She was MOST keen to assist me. I said I would wait and see if I got a ticket, which I didnt. Police have NO right or jurisdiction in a car park like that. I normally dont park in disabled spaces, but under those circumstances I felt it was safest option. 2 weeks later, whilst dropping off a Lady with a plaster cast on one leg, a NCP opperative became abusive because I was using a disabled bay without a blue badge, even though passenger was on crutches and had booked passenger assistance/wheelchair He took my car details and said he would issue a ticket, but i never got one. Seems like they all love being Hitler
  5. I have tenants that have refused to leave the property even after a court order has expired. They are playing the game to get a council house and wont leave my house until the bailiffs turn up to evict them. Since they are both working they should not get a council house and their drama is causing me so much expense and stress. I have to hire Bailiffs by Monday but I dont know which ones to choose. I still have to go back to court and pay more fees and am so sick of it. Does anyone know of a good bailiff company to hire for the Birmingham area?
  6. Afternoon all, first post on here. Need some help really. Didn't pay council tax because I'm a 24 year old child. Didn't set up a payment plan with Birmingham city council quick enough, so went to equita, did set up a plan with them which I thought was by direct debit. Apparently not, as I didn't pay them 7 days ago they've sent a bailiff out to my house today who put a notice after taking control of goods on my car. However this car is on finance, the reg they've written is wrong and on all correspondence they've called me Lexxx my names Lxxx. Anyway, have tried calling bailiff multiple times to let them know that where I rent is rented fully furnished and that the car is on finance so they don't turn up again tomorrow and try and charge me for them and their tow truck. Which I'm guessing they will %100 do. I've rang 5 times,eft a voicemail asking them to call me back and have sent a text informing them. If they do bring a truck tomorrow would they still be able to charge me for it? What do I do and how do I go about getting them to set up a reasonable repayment plan? My original debt was £668.94 Today they added on a compliance stage fee: £75 and an enforcement stage fee: £225
  7. This is the very condensed version of the unbelievable and very poor customer service review that I have been subjected to by Synter BMW Birmingham. I started to type this up in detail but just the way that they secured the deal took me a page to write. The vehicle in question was a 2012 BMW E92 M3 in Santorini blue with competition pack FG12NUX a BMW approved used car. Thus is the attention to detail of Synter Birmingham most of the internal paperwork I have for this vehicle has slight variations on the registration. Friday 24th April - Test drove car, couldn't agree on a deal. Saturday 25th April - Dealer rung me and made an offer (which was what i had offered them the day before) and the car could be ready Tuesday. By the time I rung back to agree to deal but they had closed for the day. Left a message expecting to continue with the transaction Monday. Sunday 26th April - 8.30 am got a call from Salesman 2 as Salesman 1 was on his day off. Salesman 2 wanted me to pay a deposit over the phone for the car. I was a bit miffed that they had called at that time on a Sunday for business but assumed they wanted the car sold ASAP, so i went along. I asked for Salesman 1 to call me Monday morning to arrange collection. Monday 27th April - 8.30 am got a phone call from Salesman 1 stating that I could collect the car Tuesday, I explained that I was busy Tuesday and would like to collect car last thing Monday. Phone went quiet and Salesman 1 said I'm not sure where the V5 is....leave it with me. I had to ring back a couple of hours later and he said that they had made some phone calls and they still didn't know where the V5 was. I assumed that it was on somebody's desk within BMW. Got a call from Salesman 1 a couple of hours later to explain that they hadn't received the V5 from the previous owner and that I had to wait until they received it because they were at the mercy of the seller. I ended the call to process what I had been told. They were not at the mercy of the seller, I was the victim of their poor practices (more of those later). An hour or so later I received a call from Salesman 1 to state that they had spoken to the seller but he was abroad and his wife would post it first class in the morning to the dealer. I explained that they should stress to the wife that the V5 should be sent next day special delivery but this was dismissed by Salesman 1. Being annoyed that the Salesman or dealership were doing nothing to support me or come to a quick transaction. I gave Salesman 1 an ultimatum of I'm coming at 11 am on Wednesday to collect the car if the car is not ready or the paperwork is not in order I will expect a full refund of my deposit, Salesman 1 was shocked by this. I now expected the dealership to ensure the V5 was sent by Special delivery, have a courier collect it or have the nearest Synter collect and transfer it internally. Tuesday 28th April - No contact Wednesday 29th April - 9.30 am call from Salesman 1 we don't have the V5 yet but you can take the car and we will forward the V5 when we get it. I asked how the V5 was sent to them. His reply first class I think. I explained that I was just getting on a train and I would see him at 11 am. I arrived at the dealership at 11 am to find a smiling Salesman 1, the V5 arrived in the post at 1040 am. I went through the handover and had to ask for a lot of paperwork that I would of expected to come with an approved used BMW. Salesman 1 went away and come back with some of the paperwork which had been photocopied and some I could not have i.e. any information about the BMW warranty, not even a leaflet. I was told that it would come through the post (still waiting). I took delivery of the car and what an amazing car it is. Saturday 2nd May - I had covered 250 miles in the car and decided to give it a wash. Started to pressure wash it and a playing card size piece of lacquer fell off the top of the bumper, my heart sank. I phoned the dealership straight away but salesman 1 wasn't in and generic salesman would call me back that day. I inspected the car and was sure that the paint failure must have been due to a smart repair but couldn't see any signs of one. I continued to wash off car and another piece of lacquer about the same size as the first came off the bottom of the bumper. I was now absolutely gutted that I had been sold a non pristine car that would no longer be in original paint (if it was anyway) and stopped washing the car. No call back from dealer. Sunday 3rd May - Called dealer no salesmen available, generic salesman would call me back as Salesman 1 wasn't in. No call back. Monday 4th May - No contact. Tuesday 5th May - 9.00 am called dealership and spoke to Salesman 1 explained that the paint was falling off the car and I was sure that it had been touched up. Salesman called me back sometime later and said that they hadn't painted the car and I needed to take it to them to have a look. After my previous experience of buying the car I had no trust in them and knew they were only interested in the profit margin and would have no issues with fobbing me off. I explained that I wasn't driving there for them to have a look and send me away whilst they had a think, they needed to get some options to solving the problem in place before I took time off work and drive to them. Salesman 1 replied, I don't have the authority to do that. My reply get somebody who does, call ended. Pre-empting having to take the car to the dealer for them to inspect the paint, I decided to wash the car off again with the pressure washer, now a chunk of lacquer falls off the drivers wing mirror. I look at the wing mirror closely and could see bubbles where the lacquer hadn't stuck to the colour coat. I took the car to my trusted classic car body shop to get their opinion on the bumper. They stated that they thought it had been touched up and the only way it fix it would be to remove the bumper and start again. Salesman manager calls and asks what i would like doing with the car? My reply, I want the bumper taking off along with the wing mirror and painting to BMW repair standards. Manager replies oh ok, I will sort it out. One of my friends is friends with the owner of a body shop who works for another BMW dealer, so he arranged for me to take it to his shop. Body shop owner said, that he had seen the paint delaminate like this before on BMW's but usually red cars but not to worry as BMW will always repair paint defects under warranty but I will have to go through the dealer. Salesman 1 then phones me to say that they have got the car booked in to the body shop first thing in the morning and a courtesy car is waiting. Explained that I wanted to work completing as a BMW warranty claim to which he replied, we are doing it in house but it will be all BMW paint and to BMW standards along with the paperwork, it's just that we are paying for it instead of BMW. It will take a couple of days. I reluctantly agreed to this and ended the call. Wednesday 6th May - I Drop the car off at the dealer first thing to be told that my car would be ready later that day. I questioned that all of the work we agreed, would be completed in one day? reply, yes the body shop are waiting for it now. I Thought this strange but possible if the body shop pushed on with it. I asked him as a goodwill gesture if he could have the wing mirrors programmed to fold when the car was locked. Went home in the courtesy car and at 3 pm got a call from Salesman 1 stating the car was ready for collection. I told him I was on my way. Forgetting to ask about the wing mirrors I phoned him back on my way. His reply was, I've spoken to the chief tech and it can't be done that's why you have a switch in the door. I explained that you can buy a phone app to program it, so I know BMW can do it. His reply, no we are not doing it. Leaving that subject I asked if all of the paperwork was completed for the paintwork, his reply was there is no paperwork as we have done this out of goodwill. Now my blood was starting to boil as they had gone back on what they had promised. I asked how the car was looking and his reply, it's all good and looking beautiful. I ended the call. I arrived at the dealership and saw the car on the forecourt I walked over and saw a couple of squashed flies on the edges of the bumper so knew that it hadn't been fully painted or even off. I looked closer at the areas where the lacquer fell off and that was now covered in orange peel, I worked out slightly and found the masking lines. It was an utterly terrible touch up job that looked like it had been done outside (dust in the lacquer). I went into the dealership and asked for Sales manager, told him that I wasn't happy with the work and he had a look. He agreed that it was diabolical but stated that he had paid for it to be done properly and needed to talk to the body shop. Sales manager came back and I asked who had accepted the car back in that sate? His reply, nobody. I asked, who checked the car before calling me? Reply, nobody. I told him that the whole service and experience was diabolical and I wanted to reject the car. He then offered to send the car to another body shop and have the work fully completed to BMW standards and supply me with the correct paperwork. My reply, you promised me the exact same thing yesterday and look where we are today..... you expect me to trust you again for the same thing? This went around 4 times before I insisted on a refund. He then stated that he would have to get the General manager. General manager came out and stated that nobody had checked the car before phoning me and that the work should of been completed under BMW warranty but couldn't now as they had painted it. She offered, the car repaired and £250 back. I asked for a refund and she offered, the car repaired and £350 back. I refused again and she offered, the car repaired and a free service. I told her that I wasn't interested in another deal, I came to BMW for the whole experience and worry free motoring which has totally been ruined. She offered a few more inconsequential things but I had decided that it was time to cut my losses of what had become a stressful and utterly negative owners experience with a dealer I couldn't trust. I informed her that they could learn a lot from Renault Birmingham about customer service. The deal they offered for the refund was the full amount minus £500 when I gave them proof that I had retained my private registration online and the £500 once they had the V5 back in the original registration. I stated that I didn't think I would be able to retain the private registration online and would have to send all of the paperwork to DVLA. This was dismissed and I left the dealership. 48 hours after leaving the dealership I still have received no refund. Thursday 7th May - I called the dealership 4 times to try and confirm that the refund had been processed as I received no contact from them. The Sales manager was too busy to receive or return my calls. As last resort I asked for General manager to call me Friday morning. I contacted BMW UK customer service and explained that I thought they should know that I had rejected the car purely on customer service, the operator sounded shocked and said thanks for the call. I asked if somebody would call me back? To which the operator replied, No we will deal with this internally and quickly ended that call. I thought this very strange as they didn't know any of the details of the service or lack of I had been provided. Friday 8th May - The call from the general Manager never happened. At lunchtime I managed to speak Sales manager who states that the refund is being processed by the accounts department. At 4.00 pm I received an email from Sales manager asking me to confirm my account details. I gave these details to the Sales manager on the 6th so he could process my refund and the details are correct as I had a carbonated copy of what he recorded. At 4.45 pm I replied to his email with the account details again and could he please ensure that the refund was processed before close of play Friday. It's now 6.00 pm and I have had no further contact from them. My guess is that they have not processed the refund and have now gone home for the weekend. I cannot understand why Sytner did not deal with the paint failure as a BMW warranty claim as I am lead to believe that the dealership also earn money out of warranty claims, unless they knew that the paint had been touched up and wouldn't be covered by BMW. After all of the promises on the phone that the paint would be repaired to BMW standards along with the appropriate paperwork. I truly believe that they only ever intended to have a quick touch up job completed on the car. Even after 30 mins of the Sales manager telling me that they had requested a full BMW standard repair and me telling him that I didn't trust him. Not once did he show me or even hint at any documentation about the work they had requested the body shop to complete. Salesman 1 can be proven to of actually lied to me on 3 occasions just to make his job easier.
  8. I've had a recent experience and would like some advice please. I had a debt with HSBC bank which covered two separate accounts. I received a number of letters from a firm of solicitors in Birmingham with all sorts of threats and finally there were two CCJ's issued against me. I finally had some money and sent them a cheque with a covering letter. The cheque was for 5750 against a total debt of around 9k and sent an accompanying letter which stated very clearly that the offer was as full and final settlement on all accounts held with HSBC and the solicitors. The cheque was cashed After a period of a few months, I then received a letter saying that I still owed money and when was I going to pay? I wrote to them, with a copy of the letter saying full and final settlement, they now are refusing to accept the letter ever existed and, strangely, they have no letter that was sent with the cheque. They are now threatening me again and I keep telling them they accepted the payment as full and final settlement and have suggested my next step is to send all the correspondence to the county court and ask for the ccj to be removed Does anyone have any suggestions as to how I can now get them to accept they have made a mistake and the debt is legally cleared please?
  9. Hi all (I'm new), I am looking for some simple advice re a Parking Charge Notice / PCN I have received today in the post. Last weekend we travelled to Birmingham to visit old Uni friends and left a bar in the Degbeth area around 1am (Note: non-drinker). We received a phone call around 1:25am and the car was pulled into the Euro Carpark to talk on the phone. I have parked here before, around 1 or 2 years ago without any PCN's being issued and no other problems. However, today I received the notice with two different photographs of my car reg. The PCN states that there was a breach of terms and conditions of parking. The PCN says that the car entered the carpark at 01.24 and left at 01.49 and requires a payment of £60 within 28 days or the charge will increase to £100. Do I have any reasonable chance of fighting this PCN? Do I have any chance of winning an appeal? Please help Thanks
  10. I have just received two 'notice of enforcement letters from Equity in respect of two amounts they claim I owe from 2010 and 2011. As far as I was aware, I was up to date with council tax. How can they suddenly start claiming amounts from 3/4 years ago. And they have applied the £75 enforcement fee to each. I am barely managing to pay my current council tax bill. There is no way I can afford to pay this. I would be grateful for any help or advice. I have had dealings with these people in the past and managed to climb my way out of the debt and I feel sick at having to deal with them again. Thanks
  11. I've been paying these guys for a BT debt, for over two years and there is still some way to go. However they haven't taken the direct debit for two months now and their site is down and none of the phone number I have work anymore. Does any one know if they're now called someone else? If they bought the debt from BT and then have gone bust, do I owe anyone money still? Does anyone have a contact telephone number for them please?
  12. Hi Guys, I would like some advice please. One of my relatives has just been made unemployed and it is the first time in his life he is claiming help with council tax. He has just been sent a letter saying that he has to come for an interview under caution. Can someone please advise as to what steps he need so take to prepare for the interview? He has never claimed anything form the state. He was attacked and had to leave his job. Thanks
  13. Hi, have managed to sort out a lot of debt issues using this site and for that I am extremely grateful, all of which were unsecured however we now get to the mortgage and I need some advice concerning an SAR I sent to Birmingham Midshires (who the mortgage is with) along with a £10 postal order - this was sent on Monday 17th June 2013 by recorded delivery. Be advised of the following: 1) mortgage is in joint names with ex-husband - now divorced - (divorce finalised about 4 years ago and he has no financial interest in the property as per the terms of the divorce however BM would not release him even though he was out of work and ill) - he has never made any payments toward the mortgage whatsoever; 2) mortgage was a self cert as both of us at the time were self employed - mortgage taken out in May 2003 and is registered at the land registry - this was arranged through a broker at the time and was a repayment mortgage - it is due to expire in 7 years - 3) husband went off to live with another women and left me with three young children, a house to run in every sense and it was as if he never existed - with my sisters financial help and support I managed to obtain a divorce and keep the mortgage up to date as I had always paid it however this is when things started to go downhill as my business started failing, the recession hit it hard and no one seemed capable of paying me so I closed it and got a paye job in a local supermarket and of course income changed in a downward fashion. Had the interest only arrangement for a total of 37 months which is what BM have told me. 4) approached BM and asked for interest only payments having explained the above. They granted this for a time - this has been maintained and they kept telling me verbally,( as they do not deal with emails and always expect you to call them as they refuse to deal with payment arrangements in writing which is unfair I think or suspicious) that this can only happen for a maximum of 3 years (I have since had a letter stating that they refuse to accept this interest only payments offer as they are only offered for 24 months total which contradicts the verbal 3 years advice I was given) then it has to go back to the original repayment amount - which is more than I take home in a month however there is a fair amount of equity in the property - they have all my income and expenditure paperwork so they are aware of my position as well as my divorce and absence of ex husband. 5) the last interest only payment arrangement came up for review in December 2012. I made the interest only payment for 23rd December 2012 (note this was an interest only payment and not a payment concession so the only element missing was the capital) I got a letter from BM dated 28th December 2012 on about 3rd January 2013 stating that the interest only payments were due for review and that the payment would revert back to the full capital and interest payment after the next payment. This I understood to be from 23rd February 2013 and not 23rd January 2013. Oh no they insist it is from 23rd January 2013 so I made the interest only payment for January 2013 and got a screaming letter saying the payment was short which obviously put me in arrears for the first time ever and now since then the arrears have grown as I had to agree to pay a bit more for three months until they reviewed it again in June (3 months is their review periods which seems unfair). So now I am classed as being in arrears when I have paid them consistently the interest only payments as well as the C&I payments in the past, as they have changed the method that this account is operated by making it an arrangement and not interest only. They refuse to change it to interest only for the life of the mortgage and refuse to extend the 7 years left. They want my house and me and my children out of it. My children are all of adult age which does not help, one is working,one is part time and one is not working and they all help with running the bills. 6) Despite telling them that my ex husband is no longer in the frame and do not know exactly where he is, despite telling them that I cannot take calls at work and then rushing home from work by leaving early to get back in time to call them before 6pm as their letters advise, then being told that they are open until 8pm which contradicts their letters and being told they can only discuss payment arrangements over the phone and not in writing I feel there must be some regulation about all of this as I know they record all the conversations they have. Having insisted on having written confirmations they decided to pass it over to complaints who also wrote to me and said that they wrote to me on 5th January 2012 and that was a final response in which I could take it further with the FOS but as six months since January 2012 (yes 2012) that I have now lost the right to do so. Dont remember this letter they are on about hence another reason for the SAR. 7) anyway the next payment is due on 2nd July and they are expecting me to pay one half of the full repayment mortgage for 3 months and then in 3 months I am expected to take up the full amount for the life of the mortgage.....I can only pay the interest only amount plus the little bit extra that I have been doing for the last 3 months so they will have something - better than nothing I guess....anyway if I dont comply then they intend instigating repossession by way of litigation, this they have told me verbally as nothing comes in writing other than computerised letters with loads of figures on. The other option was to sell the house within 3 months and BM would send me a sale package which would exempt me from any further payments as long as the house was sold within 3 months - in this market and climate !!! again unfair and I know I am not alone either 8) I did visit the CAB in January 2013 and they kindly phoned BM who would not speak to them despite my presence until they had an income and expenditure list from me which I duly dealt with in writing. I then got a letter from the CAB telling me that they would prefer it if I went to Step Change, which I did and they told me to sell the house etc. The problem with that is that I would have to rent and then all if any equity would be eaten up in deposits, rents and then we would all be at the councils door 9) it occurred to me that I have no paperwork to hand concerning this mortgage taken out in May 2003 so I wrote to BM as previously mentioned on the 17th June 2013 by recorded delivery with £10-00 postal order and initialled signature which I always do and they have always accepted in the past, requesting an SAR which I thought could help me understand the mortgage fine print or the contract side of things (and I understand that they have 40 days to respond). Today, 28th June 2013 I get a response from BM which basically says that before they an respond they need all signatures as it is in joint names and that my ex husbands signature is insufficient on their system so they would require a copy of his passport etc verified by a certifier of standing to confirm his signature was true etc. How am I supposed to do this when I dont know how to get hold of him etc. They seem to be working the situation to their advantage and I am sitting here without any paperwork or knowledge as to what I can do about it. Not sure they need his passport etc., as the original documents would have all of this ....do I smell a rat or what. Can someone please tell me what action I can instigate to get this SAR information or anything else that may help as I feel really angry, frustrated and tired so please accept apologies for typing errors etc. I also feel like taking them to court for effectively attempting to make my children and I homeless or at the mercy of the council in time....thank you for reading and apologise for the length of this post.....yes its one o'clock in the morning again ....sleep hunting ...thank you:mad2:
  14. ]I have 3 different threads running at present so dealt with Natwest as I had spare moments,without adding another post on the forum the results have been very good and inthe attatched 2nd letter a statement from the bank in writing which makes the CCA1974 encouraging
  15. Can anyone advise me please? I have got into arrears with my mortgage with Birmingham Midshires. My husband has left me with 3 young children and I've had to make a claim for Income Support. I also care for my very sick mother. I have had help with compiling an Income and Expenditure and have phoned Birmingham Midshires on their 0845 number asking for help in temporarily placing my mortgage on Interest only as the current Repayment mortgage is forcing me into arrears. They were not helpful. I emailed them and explained my situation and asked for someone to call me back, no one ever has. My SMI will not kick in until sometime mid-end June and as the house was remortgaged in 2007, they will only pay interest on the original loan. I have the property up for sale and if I'm lucky I may be able to just about break even but not if the arrears keep accruing at the rate they are. My problem is B'ham Midshires are being really unhelpful. Does anyone have a contact either phone or email address that I can speak with them please.
  16. I don't know whether I'm posting this in the right place. Does anyone know a contact address for Birmingham Midshires? I've sent several letters to their Wolverhampton address but have had no response, I've emailed them and phoned without any success. I know they are now owned by Lloyds and wondered whether anyone had an address which may be more useful. I am disputing an amount they say is outstanding on my account and despite contacting them countless times all I receive is the same standard letter asking for the so called amount outstanding. I would appreciate any advice from caggers as I have completely lost patience with BM.
  17. Hi. I missed a payment with my BM mortgage in Feb when I changed bank accounts. A manager phoned me and laid into me bigstyle, threatening repossesion, etc. He followed this up with a rather vile and threatening letter. I complained, and got £25 in compensation from BM. However, as they had charged me £35, I felt this was unfair and complained again. BM didn't take the next months payment. I called them and asked for a new Direct debit, in case that was the problem - another £35 on the account for it being late. No direct debit came, but a debt "counsellor" did - another £85 on the "arrears" I told him politely, that if BM got their finger out, and got the DD set up, I'd pay the whole thing off then and there. This was April by now, and I was technically three months behind, although the money was in the bank. Nothing more, despite me calling them - they said they'd sort it out once the DD was set up. In June, a mandate form arrived at last. Along with a "Repossession Proceedings Issued." letter. I called them, and made an offer to pay, if they removed the fees we were disputing. This is where they seemd to lose the plot. Over the last month or so, I've had every story told by them, contradicting stuff, demands for court action, etc., etc. They would take the money, they wouldn't take the money, etc. They've "lost" the request for a DPA disclosure not once, not twice, but three times. They've lost the request for transcripts of all the calls the same number of times. They've said they will accept payment, but they are still taking me to court. They call me out of the blue, just to tell me they're not prepared to discuss the matter with me. (Strangest thing I've ever heard of.) They then claim they have no plans to take me to court, but then their lawyers called me with a date of 3rd August. I've neither the time nor the tolerance for such idiots. I've written to the FSA, making a formal complaint (Because BM have said they've closed the complaint, but won't write me a final letter confirming that.) but I'm obviously concerned about the situation. What's my position / alternatives? I'm prepared to pay the "arrears" minus the "fees" if they stop court action, and they have categorically refused.
  18. Hello. I have had a "Buy To Let" mortgage with the Birmingham Midshires for over 10 yrs and recently fell behind by a tiny amount with the mortgage. Not only have they piled on numerous charges, but the have wrote to my tenant threatening to repossess the property. Needless to say my tenant (for over 7 yrs ) is very worried. Are they allowed to do this? Any Advice would be greatful
  19. I am trying to find out the result of the above case which was held on 11/7/2012. The outcome of the case, will help our case for equal pay in my work.
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