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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Northern rock redemption


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Hi I have my mortage with Northern Rock which is fixed untill june 2008.Well they sent me a letter informing me that my current deal will come to an end 1st of june 2008,however it goes onto add and quote"We are unable to offer you a competitve deal at this time.therefore we suggest you contact an Independent Financial Advisor who will be able to help you find the best deal etc "So all they can offer is their Standard Variable Rate which I think is about 7.89% an extra £120 per month on my mortage payments.it also adds "In the meantime,if you would like any help to find a new mortage lender or would like to obtain a redemption statement contact us on etc etc"I rang for the statement which adds a early redemption figure of £2,400 based on redemption 30th april.However my arguement is I shouldn`t have to pay any redemption fees at all as it is Northern Rock,who are in effect,are ending the agreement.Any ideas where I would stand many thanks

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I think that you will find that the early redemption amount only applies if you repay prior to the full term, June this year.

 

It is probably a good idea to start using an IFA to commence looking for the best mortgage deal available on the market. Although there is still some time until your existing mtg expires, the formalities can drag on, so the sooner you start the better. My IFA and all the questions he received from the new lender took some 5 months to get sorted!!

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I think that you will find that the early redemption amount only applies if you repay prior to the full term, June this year.

 

It is probably a good idea to start using an IFA to commence looking for the best mortgage deal available on the market. Although there is still some time until your existing mtg expires, the formalities can drag on, so the sooner you start the better. My IFA and all the questions he received from the new lender took some 5 months to get sorted!!

 

Scaper is right about the redemption penalty. Start looking for a new deal around the end of April as rates change daily with the lenders adding or withdrawing products. With a good mortgage adviser, it should take no longer than 6 weeks to complete a remortgage. 4 weeks is the norm providing all documentation is in place.

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Nice of them isn't it! We, tax payers, bail the bank out to the sum not disimilar to the national debt of a small country and they fob you off with a thanks but no thanks!!

 

You will be pleased to hear, that redemption figure only applies until your current deal runs out - so on the 2nd of June you can transfer your mortgage to someone else without being charged the early repayment charge.

 

Word of caution - there may be other hidden 'admin' charges both Northern Rocks and your new lender. Whilst they may seem small in terms of your mortgage, think of your equity and try to minimise to cost of moving your mortgage as much as possible. It may be worth paying a slightly higher interest rate if you avoid paying Higher Lending Charges (remember, wherever possible the banks will think of a reason to charge you! We pay interest based on what we owe so what is the point of a higher lending charge? these are becoming higher and more common now the 'credit crunch' is settling in... banks eh? don'tch just love'em.

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All costs are totally transparent and will be featured within the Key Facts Illustration of the mortgage chosen before you decide it's for you. Higher Lending Charges are still there (mostly over 75-80% loan to value) but by seeking advice, these can be avoided from a whole of market mortgage adviser.

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many thanks have contacted Northern Rock for a more accurate redemption figure which by 1st by 1st of june should only be a discharge of mortage £250 and legal costs.However since our taxes are propping up Northern Rock I am not happy about paying any redemptions fees at all,regardless of what is in the small print.Any ideas? thanks

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  • 3 weeks later...
Guest shaff

Hi There..

 

I am exactly in the same poistion, but they have added the following charges if i go before the 1st June;

 

£250 Withdrawal Fee

£550 Early repayment charge

£1000 'help with cost' charge

 

Racking my brains to think how thwy can justify these charges

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Hi There..

 

I am exactly in the same poistion, but they have added the following charges if i go before the 1st June;

 

£250 Withdrawal Fee

£550 Early repayment charge

£1000 'help with cost' charge

 

Racking my brains to think how thwy can justify these charges

 

Check out your offer of loan. All these charges will be on it if applicable.

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Shaff I have a email for Northern rock.I have put my complaint in writting and have informed the FSA that I planning to complain about the exit fees.If you email [email protected] and they will reply in by post in 5 working days you then have to contact FSA to make a formal complaint.My main arguement against these charges is that the rock`s problems arose from poor management and I am not prepared to pay any exit fees due to their imcompetence

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