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Found 5 results

  1. HI I had my house repossessed in March 2011 and have lost all the documents from the mortgage company and court with the details on and urgently need these so I can go on my local councils housing register. The annoying thing the homeless prevention team at the same council were given copies of this at the time so they could help me and my family in getting a new home but the part that deals with putting you on the housing register says they can't speak to that department to get these details, they need to see the documents for themselves (just being bloody awkward if you ask me!) Would I be able to obtain these from the court or the land registry or do I need to get in touch with my old lender (Northern Rock?) Thanks
  2. Not sure which category to post this under as none fits the description.Mods.please move if required. A colleague at work and his wife adopted a male at around 9 months old. When he was a couple of years old, the "parents" changed his surname to theirs. He is now 15.The colleague is seeking the original adoption documents but can't find who holds them.He has tried Social Services but to no avail. I suggested he try the registry office, or the magistrates court who awarded the "parents" custody.is this correct,or is it another governing body they need to contact?.
  3. I wonder if any one can help please. My son wen to buy a car from Evans Halshaw garage just as he started his new job with not more than £100 in his pocket . was advised that this is enough for the deposit to secure a finance deal. Paid the deposit of £100 on a £12k car and was told to come back and collect it a few days later. When he came back to pick up the car a sales manager went through some basic person information with him and briefly advised that the monthly repayments would be circa £250 pm. tried selling the insurance to which he declined etc ( the usual sales tactics to get you to buy all sorts of warranties and protection). The manager then went away to make a phone call and came back to say he got all approved and once all the documentation is signed he can collect the car today. At this point he then passed the file to an admin person in the garage and asked my son to complete the paper work. At no point any of the figures and charges were discussed with my son. Admin just went through some basic information again and had my son to sign a load of papers. After all was completed he was given the car and drove off with a complimentary 7 days insurance. As it happened my son lost his driving licence to drink driving 4 months later , lost his job and couldnt make any repayments. As I got involved he didnt have copies of the finance agreement. So after missing couple of payments we finally received notices of arrears and managed to speak to Motonovo ( this is when he realised he has taken finance with them). They kept dragging their feet with providing copies of the documents requested and kept sending unsigned copies. Then a few days later when the documents were finally received it was clear that the signature on the finance agreement wasnt my sons and also dated 2 days prior him even being in the garage. Complimentary insurance turns out to be with his wrong age ( they have indicated his 68 which I presume was to reduce their premium and i think this meant he was driving the vehicle uninsured?!). We have raised 2 complaints originally 1) to Evans Halshaw for mis selling the finance and not following FCA rules , falsifying signatures, selling insurance products my son declined ( they still put them on the finance agreement) etc. 2) complaint was made to motonova - paying out on antiimpersonated documents, not following fca rules ref provding documentation, not assessing affordability etc. Needless to say Evans Halshaw never bothered to respond. Motonovo finance played on the fact that they have done nothing wrong. We have gone to the ombudsman and so far it has been rejected twice and they support MOtonovo an we are looking to appeal further. The problem we have now is that the police has been after the vehicle as it was reported stolen by the finance company. They have been rude and threatening with obstruction to justice. Ombudsman are not interested about anything else apart from playing the broken record of he signed the agreement and obviously bought the vehicle and the only reason he doesnt pay now because he lost his licence and his job which is not their problem. My questions are: * Can police reposes the vehicle? or even get involved * can we report motonovo to the police for falsifying signatures? Any one got experience or had similar situation? any advice will be appreciated
  4. Hi, I recently had costs awarded against me at a PHR. I had not been expecting this. I am picking up the pieces now after the shock of it all. A good friend referred me to this forum and to some recent posts about costs, in particular the fact that the employer is not allowed to charge more than £33 ph for preparing for the hearing. Mine charged £110 ph - this was not challenged by the judge. They also included external solicitor's costs on top. If I apply the £33 limit it works out that I will be paying more in costs than the employer was allowed to claim for. I am incensed by this! What can I do?
  5. I have just checked my documents from LBL company Automoney and my Documents :- Pre-contract credit information Fixed Sum Loan Agreement regulated By Consumer Credit Act 1974 Bill of Sale Have all been only signed by Myself and the Automoney employee and not Independently witnessed. Can anyone please tell me how i stand ? Also are these documents invalid or incorrect? Can my vehicle be repossessed because of these documents? Does my LBL now become an Unsecured Loan? Thanks again in anticipation
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