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Found 12 results

  1. As some of you know from another thread https://www.consumeractiongroup.co.uk/forum/showthread.php?464969-very-old-B-B-mortgage-shortfall-CCJ-order-to-attend-court-help! Bradford and Bingley have been hounding me for 21 years for a shortfall on a mortgage when I lost my house. They have well and truely stitched me up so I'm hoping for some revenge lol I sent a SAR's to them last year and got hundreds of papers back from them I have found some documents that looks like I had PPi on the mortgage. As I only have an iPad I have sent the document to cag email for you to look at and upload onto here. Thanks. advance approval form.pdf
  2. the father-in- law has passed his PPI claim on to me to see if there is anything CAG can do to help him. We done a SARS calculated all the payments and interests due which comes to 8k sent off a template letter asking for it back and waited eight weeks and nothing. Sent off another letter giving them a further two weeks to reply to which they did:- Dear Mr XXXX Account Number: 013/XXXXXXX Thank you for contacting us to outline your concerns regarding the above policy Our records show that you have previously contacted us to bring these concerns to our attention. At that time we treated your concerns as a formal complaint, and investigated them accordingly, under our complaint reference above. We wrote to you at the time outlining the results of our investigation. Our Final Response letter advised you that if you remained dissatisfied with our reply, you had the right to refer the matter to the Financial Ombudsman Service (FOS) for independent adjudication within six months of the letter. If you would like us to retreive the previous complaint file and send you another copy of our Final Response letter please let us know and we'll be happy to do that for you. I am unable to offer you any new rights to refer this matter to the FOS for independent adjudication. However, you may wish to contact the FOS to confirm their position regarding this matter. Yours sincerely Richard Walton Now I'm guessing this has passed the Six month period so do we have to start the claim again or can we proceed to the full complaint?
  3. Hi everyone I received this hand delivered letter today from Debt Management Services LTD. They say they are acting on behalf of Bradford and Bingley, I had a mortgage with them over 21 years ago and my house was repossessed. I have made payments on the account over the years but not anything in the last 4 years. The letter says they want to discuss any problems I may be having with the outstanding account. In order to bring my account upto date they want me to contact them. I can't find out much about them on the net, are they debt collectors or bailiffs ? Any help or info would be greatly appreciated, thanks.
  4. Hi, http://www.consumeractiongroup.co.uk/forum/showthread.php?477641-WY-Gladstones-claimform-PCN-Glassy-Bar-95-Legrams-Lane-Bradford-BD7-1NH(2-Viewing)-nbsp I'm in the same situation as above, at the same parking site on the same date. As per the msgs before, ive acknowledged the MCOL and sent the CPR 31.14 Request to the solicitors today. When would i need to send the defence to the court?? straight away or wait?, and what to do i need state on it? Any help would be greatly appreciated Thanks
  5. Apologies if this doesn't make sense, first timer here. Two years ago, I applied to my old mortgage lender Bradford & Bingley who are now under Santander, regarding PPI. Gave all necessary details and had a letter to say I didn't qualify. I shrugged it off. However, during a recent conversation with a friend, I explained I fell at the first hurdle. He advised me to reapply and to request what grounds I was unsuccessful for claiming PPI. Have I got a chance to reply, or is it a case of a final decision on their part with their initial reply from two years ago? Thanks for having a look at this post
  6. The Government is to take another step towards recouping the vast sums of money injected into the banking system in 2008 by selling £3bn of Bradford & Bingley (B&B) mortgage loans. Sky News has learnt that UK Asset Resolution, the Treasury-supervised unit which manages the remnants of the former high street lender, has appointed the Wall Street investment bank Morgan Stanley to handle an auction later this year. The portfolio for which it will seek buyers is understood to comprise lower-quality buy-to-let and higher loan-to-value mortgages ‎than an £11.8bn package offloaded last month. City sources said the latest auction was unlikely to kick off until after June's General Election. It is likely to involve the mortgages being sold at a substantial discount to their book value. https://uk.news.yahoo.com/ministers-sell-3bn-bradford-bingley-mortgage-loans-132100766.html
  7. Good afternoon, On 07/10/2016 I parked in the Bradford Forster Square carpark, lost track of time, and overstayed by 37 minutes. On 17/10/16 I received a Parking Charge Notice for £85, payment to be made within 28 days of issue (of notice); discounted to £50 if I pay within 14 days. They have stated the Date Issued as 13/10/2016 in the reference section and 10/11/2016 in the big black box, but that is probably irrelevant. I have entries on my bank statement to prove I went to Costa there, I actually spent all morning there catching up with an old friend, but the entries are dated 08/10/16. I guess their payments don't show up automatically. I have emailed Costa for help, they replied immediately saying they have no influence. I also emailed the land owner, British Land but have had no response yet. I have read quite a lot about parking charges in the last few days, mostly about Beavis... I remember reading on one thread on this forum that the company placing the parking restriction signs must have planning permission. I have checked Bradford's planning portal and cannot find an application for PP for parking restriction signs at Forster Square. I then telephoned Bradford's planning dept and was told that the signs were probably small enough not to require PP. I told him the signs are 0.9m x 0.7m, to which he suggested that I email the enforcement team. I have done this and included the measurements and a photo of a sign. I know the enforcement team are thin on the ground and I think it unlikely that they'll carry out an investigation in a time scale that will be of help to me. What I would like to know from the kind people on this forum is, do I have a case for no contract because of a lack of PP for the signs? I have read The Town & Country Planning (Control of Advertisements) Regs and I think I have a case, but I'm not a lawyer ! I hope to use this in ParkingEye's appeals process. If I am unsuccessful I will probably pay up as I do not want to pay the full charge, which I'll have to pay if I go over 14 days.
  8. Hello all, A bit late in the day on this one, but I bought two vehicles on the 4th December last year (one to keep and the other to be repaired and sold on) from the same seller. Both vehicles were moved to a private road (both were not on the road due to engine faults, so could not be driven) with one outside my mechanics garage on that road awaiting repair and the other in a private parking space. Both vehicles came without V5's, so I sent off at the same time a cheque for both with the forms V62 & V890 to SORN them in the post (only way you can do it without the V5's apparently). Both vehicles were then spotted as untaxed and lifted on the 10th December 6 days later. To get them released out of the impound I didn't argue or appeal as that would have just racked up more storage fees each day and in between the owner lcoated the aforementioned V5's amongst his paperwork and posted them onto me, too late then of course!! So, I am in court for having an unsorned vehicle on a public highway this Tuesday morning. I appealed the initial fine stating that the two relevant forms were sent off and this was rejected. Surely there must be a reasonable time to get a SORN in to them. Also, they have never provided proof that they received my documents either or acknowledged them. Is it best to just plead guilty with mitigating circumstances?
  9. Hi everyone. Heard great things about this forum and have been a lurker for a while but now I have joined the ranks of the many that are being harassed by TNC. I'll give a background on my situation. A few years ago my partner bought some collectible dolls off Bradford group. (I warned her not to but hey, who listens to me?) Anyway, all was fine the first few times she got stuff then she ordered a single collectible doll and we paid for it up front, as we'd done with the previous ones, however, shortly after it arrived, another two packages came (about a week later) We contacted Bradford Group by phone and told them we only ordered one thing but they claimed it was part of a set. I told them that at no time in their catalogue or website was that mentioned and that we didn't want the other items. They said it was part of a set and that we had to accept and pay for them. I asked to speak to a supervisor who agreed that seeing as we'd paid up front for the first doll, we could just send the others back and that would be that. She said they would even send out a freepost return slip and that it would be there in the next few days. Two weeks later and it hadn't arrived, I called them again, had to go through the whole thing again, it was the same outcome, send back unwanted dolls, case closed, wait for freepost return slips to arrive. Another week went by and I had to phone them again, had to through the whole thing AGAIN! This time I told them that I was just going to post the dolls back myself and consider the mater closed. They claimed that it couldn't be done that way as the processing address for returns was different and it wouldn't be acknowledged as being received. So, again, I agreed to wait for return slips BUT, I asked who I was speaking to and and asked for a reference number for my case. About a month went by without any word, I phoned again quoted the name and reference number, explained the situation and asked for a note to be put on my file that I had on 3/4 separate occasions, requested return slips/offered to send back dolls. I agreed, for the last time to wait on them sending out return slips, after I offered to send back the dolls, at my own cost, by special/recorded delivery to the correct address but they wouldn't give me the address. I told them that this would be the last time I contacted them and I now consider the matter closed. I asked for all this to be put in another note in my file. The agent agreed, said they'd speak to a supervisor and they had agreed that if no retun slips were sent out, the matter was closed. Forward on a year, I get letter from Bradford group telling me i owed them money for the dolls and that if they didn't receive it within 14 days, they would pass it out to creditors etc. I phoned them, told them the whole story, quoted names and references but the said they had no record of it. I again offered to send the dolls back and had to go through the whole thing ANOTHER time! 2 weeks went past and two letters came one after each other, one from BG another from their creditors I can't remember who it was at the time but by this stage, I was sick of it and just ignored it. Nothing happened for about two years or so, then I started getting letters from TNC recently, threatening all sorts of action. After getting advice from people I knew and off t'internet, I ignored the letters, maybe two or three in a few months but i got one a few days ago saying I had 7 days to settle the bill or they were instructing their solicitors to go to court. This one has me worried....should I ignore it? There is no way I'm paying £179 for two dolls that were only worth £50 and that I had tried to send back numerous times...but should I contact them and explain....or is this all just BS scare tactics in the hope that I might be frightened into paying up?
  10. UK Asset Resolution (UKAR), the government-owned company incorporating Northern Rock (Asset Management) and Bradford & Bingley, paid back £4bn to taxpayers in 2012. Announcing its full-year results, UKAR said the £4bn repayment included £3.1bn of loan repayments and was up on the £2.8bn repaid in 2011. It saw the number of mortgages three or more months in arrears fall by 23% to 25,581, the company said. But it still owes the Treasury £43.4bn. UKAR chairman Richard Pym said: "We still have a long way to go, but it remains our expectation and determination to repay that debt in full." Statutory pre-tax profits fell to £690.5m for the year to 31 December 2012, compared with £1.375bn in 2011.This was partly as a result of provisions made for compensation to customers who were mis-sold Payment Protection Insurance (PPI) and personal loans. UKAR, which has 615,000 customers, most of them mortgage holders, said the cost of dealing with PPI claims was £130m in 2012, adding to the £238m from previous years, while an additional £271m was set aside to cover the mis-administration of personal loans. The company said the outlook for 2013 was "somewhat more positive than a year ago, although the recovery remains weak by historic standards and pressure on many households' finances remains acute". UKAR also said it sold £465m of residential mortgages to Virgin Money at full value during the year, while lending balances stood at £68.7bn, down from £75.3bn in 2011. It was formed in 2010 to integrate the mortgage operations of Northern Rock Asset Management (NRAM) and Bradford & Bingley (B&B) following their nationalisation. Northern Rock plc was sold to Virgin Money in 2011. Link: http://www.bbc.co.uk/news/business-21922106
  11. Hi This is just a very quick question and I think I already know the answer but just want to check. A while a go I (and my x wife) had a voluntary repossession and as a result owed some money back to B&B Each year around this time they contact me to fill out a income and expenditure form which I fill in and offer an extra £10 per month on what I already pay which keeps them happy. About 4 years ago I had a charging order put on my new property which I own with my new partner. Last year I found out that my x was no longer paying toward this debt because B&B where not able to contact her for a number of years. I ask what they did to find her new address and they replied "everything we could think off" When I asked why they did not contact me they went a little quiet. It would appear that the charging order I have now could be a result of them no longer having contact with my x and they want to ensure they get there money back. I have played fair in trying to pay this debt off so this year while I am happy to offer my annual £10 increase I am not happy to fill out the I&E form. What I want to double check that I am within my rights to refuse to fill in the I&E form and also can a charging order be removed before the debt is paid off ? Thanks in advance for any help J
  12. Hello, I was wondering if I could get some advice. I was contacted out of the blue about 6 months ago from Phoenix Collections regarding a Liability Order dating back to 2007 with Bradford Council. I had no had any notice or contact about this before so I contacted the council and they stated that I owed £236 pounds dating back to a property that I moved out of in 2005. When I left that property everything was fine but I found out that the Rental Agency (Who are now closed) told the council I had left at a later date and it was my fault for not leaving the correct forwarding address, but I had at the time and I move once a year around the country where the work is. My problem now is - The council offered to put the account on hold while I submitting a SAR to find out all the details regarding this case I submitted a SAR following the procedure listed here over 2 months ago The council wrote back stating that I need to provide Identification before they would send any information (is this correct) 2 weeks later I receive a Letter from Phoenix (attached) titled DEFAULT NOTICE and they are coming to collect my goods, and that I don't even need to be there. How can they do this despite not visiting me before and also the amount has jumped to £330.82! Any advice or next steps? I really don't want to let them win this one yet.
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