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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • nat8808
      At the mediation stage for purchased debt - should I mediate if my position is they dont have legal right to claim?

      By nat8808 · Posted

      Hi all,        I really need to start my own thread on this Claim with Overdales/Lowell for a Cap One debt. but have already got to this stage .. My initial question for the moment - until replies come in - is that I figure my main stance is that a purchased debt cannot be claimed, debts can only be claimed by the original issuer of the debt .. but mediation is about coming to an agreement. So would I be acting in bad faith if I enter into mediation yet not seeking to come to a financial agreement? Also, I need to reject the scheduled time slot and ask for another as I'm not going to be free during those hours. The wording of the email gives the impression that I am given this one slot and if I reject it, then I am rejecting mediation - there is no mention of rescheduling, only of freeing up the slot for others .. although, I would have thought it would say so, if there were no possibility to reschedule.. Can I ask for another date without issue?   Anyway, if it's more helpful, I am happy to post up my defence and start a proper thread? I had a lot on at the time and had to do things right away due to the time limits, so didn't feel I had time to come here and go back and forth for info, so put my defence together from reading through relevant threads, late at night. CCA request appears to have been fulfilled (I'm still to check the accuracy of the documents). The other thing, asking solicitors about the particulars of the claim, hasn't .. although I forgot to ask for proof of postage and didn't send recorded post either (whereas the CCA I did), so not sure if I can pursue that easily ..?  
    • Seven77
      Caught fare evasion in tube station - jumped turnstile - now SJPN

      By Seven77 · Posted

      Screenshot 2024-05-22 144200.pdf
    • Seven77
      Caught fare evasion in tube station - jumped turnstile - now SJPN

      By Seven77 · Posted

      There is a plea guilty website...
    • snappyturtle14
      Poor cleanliness and condition of rental property

      By snappyturtle14 · Posted

      Looking for a bit of assistance. I moved into a rented flat on 20th April 2024. I viewed it on the 14th April. Before I moved into the flat, the letting agency provided me with an offer sheet, in said offer sheet I made a number of requests and conditions related to me progressing with assuming the tenancy. These were: 1. A professional clean of the flat prior to move in date. 2. The hob, shower glass and bathroom cabinet be replaced prior to move in date. These were all planned actions by the landlord when I viewed it. I could see the boxes for the hob and other items in the flat. I prepared to move in on the 20th April but none of the work mentioned in the offer sheet had been completed. The standard of the clean was abysmal - mouldy food left in the fridge, nothing wiped down, bathroom mouldy etc. The hob, shower glass and bathroom cabinet were also not installed. I decided to not officially move into the flat as it was not in a condition as promised, my partner lives relatively close by so I lived with her initially. It was only on the 24th April that the hob, shower glass and bathroom cabinet were installed. The cleaners visited again 2 weeks after move in date (3rd April) and attempted another clean of the flat. Again, it was a poor job. I resorted to cleaning the flat myself. I have numerous pictures of the things I identified during my clean and have sent this all to the letting agency. Because of the issues faced, I asked the letting agency that the rent be reduced for the initial month. Exactly halved - to represent the 2 weeks that I was not living at the property. The landlord and letting agency have responded by saying that they will be willing to accept 1 weeks rent as a deduction but not 2. My question is, am I in a strong position to insist on the 2 weeks rent returned or have I been fortunate that they have even offered a weeks rent as a deduction? I would like to insist on the 2 weeks. I have paid the 2 weeks only as my rent collection date passed 2 days ago. Thank you for any assistance. Any further relevant details required let me know and I will provide.
    • FTMDave
      UKPC/BW windscreen PCN PAPLOC now claimform - appeal+IPC both refused - 325 Greenford Rd, Greenford **Claim Discontinued**

      By FTMDave · Posted

      Well done on your victory!  👏

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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Boring, boring, boring...

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Bookworm

Bookworm

Posted
Posted

My current mortgage fixed rate runs out at the end of the month and I have to find another one. I hate doing this, and have been absolutely shocked at some of the "arrangement" fees, up to £1k!!! :shock:

 

I know it has to be done, but I hate it, I really do and my heart sinks down to my boots at the thought. Maybe this post should have been in the bah-humbug thread. :oops:

 

Urgh. :-(

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Bookworm

Bookworm

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We used to be in Social Housing, MTM. We worked hard to be able to buy and were lucky enough to do so when houses were at their lowest price.

 

Incidentally, the house we bought used to be Social Housing stock, so technically, we still are in Social Housing, the difference is we're paying for all the repairs and maintenance ourselves AND we don't qualify for any Housing Benefit even though we're on low income, so cry me a river. ;-)

 

BTW, the title of the thread mentions that it is "boring", which unless you're a drama queen (jury still out on this one, I believe) hardly qualifies it as a "plight". :-D

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caro

caro

Posted
Posted

We renewed ours with C&G earlier in the year and there were no arrangement fees, but our existing mortgage was there so I don't know if that makes a difference.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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HSBCrusher

HSBCrusher

Posted
Posted

I am ashamed to say it, but we have ours with HSBC.

I had to really, as the offer was too good to miss and had no arrangement fees.

they were doing a rate match thing, I am not sure if they are still doing it...

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Bookworm

Bookworm

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Yes, but it's only for 2 yrs with a £1k arrangement fee, so no that great a deal.

 

If you go for variable, then most don't do a fee, but as soon as you want fixed, ouch. Last time I did it was 5 years ago, and it is a real eye-opener to see the difference now, and not in a good way, no fighting for customers anymore, that much is obvious. :-(

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Bookworm

Bookworm

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Well, I'm not going to blow anyone's trumpet just yet (o-er), but I found a whole of market no fee broker online, and he's calling me back tomorrow once he's done all the legwork for me, so we shall see. :cool:

 

Would you believe that because I want to borrow a little bit on top, Halifax - my current provider - will charge me a £349 fee for first doing the loan application, then tack on the mortgage at the same rate and charge the £0 - £999 fee (but we know it would be the £999 one, don't we, boys and girls? :mad:) as well? So to STAY with my current provider, who will not incur additional expenses since they won't need a new survey, solicitors, etc, only the valuation (which as we know just means phoning the local estate agent), will cost me MORE than moving to a different lender.

 

This is a crazy, crazy world. :-|

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caro

caro

Posted
Posted

Yeah mine's fixed rate too.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Bookworm

Bookworm

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Well, 2 top offers are Abbey and Skipton BS. Abbey is 0.1 % cheaper at 6.02%, but comes with strings, must have a current account with them, put in at least £1000 with 2 DDs coming out of it, arrangement fee £599,

 

Skipton, no such restrictions, 6.04%, arrangement fee £799, and I can make o/payment of up to 10% each year (like THAT's likely to happen! :rolleyes:).

 

Halifax, my current provider? 6.59%, £699 fee + £349 fee for the additional monies! :shock: What happened to keeping current customers happy?

 

Bloody ridiculous, is what it is. :mad:

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Bookworm

Bookworm

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Why NOT just stick to a normal 'variable rate' mortgage??...:confused:
"stick" would be incorrect as I've never been on variable. :razz: I don't trust the vagaries of variable, I need to know that my payments will be the same, this way, I can budget precisely.

 

Mr BW and I are typical products of the Thatcher years in a way, having seen friends and acquaintances struggling with the 15% rates and often losing their homes as a result, we would never gamble with our home. We probably paid more as a result, having fixed while the rates were going down and down, but we'd much rather do it that way and know that we are as secure as can be in these uncertain times. I truly believe that we are on the verge of a recession, and the credit crunch coming to us courtesy of the US instead of the homegrown recession from when La Thatcher was in power, and I believe that it is going to be as devastating as the last one, so we just want to have as much certainty as can be attained these days.

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tiglet

tiglet

Posted
Posted (edited)

Don't, you're freaking me out - I'm worried about it all enough as it is :(

Edited by tiglet
spelling

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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HSBCrusher

HSBCrusher

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thats not a bad offer booky... I would bite his hand off with that one, these deals are vanishing fast.

 

I agree, I too lived through the 15% days, and I was lucky enough to have a fixed rate at the time. OK, you might pay a little more, but in my opinion its worth it for peace of mind.

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tiglet

tiglet

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Perhaps my problem is I always seem to do that in reverse ...

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Bookworm

Bookworm

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Ah, bah humbug and all that. :mad: Nice chap from brokers called me back friday lunchtime, Skipton have just withdrawn this particular deal, so he'll start again on Monday to see what new deals have come up. Blink and you've missed it! :shock:

 

On a separate note, Mr BW had also contacted some people, without me knowing, and they called earlier. I don't much about what they were offering, but Mr BW arrives in the kitchen and says: "They want to arrange to come and meet us here to discuss the various options."

 

Well, my dears, if you have never seen my ears twitch, there it was. :mad: So I said; "No, whatever they want to discuss, there is no reason why they can't discuss over the phone!". Mr BW relays that to them, and they insist. At which point, I told Mr BW to tell then to sod off, erase any info they have from their system and not even think about passing it on to 3rd parties, or there'll be hell to pay, and goodbye!

 

Invite them over, yeah right. If they are that desperate to get here, it means that they will then use high pressure tactics to get us to sign stuff we might not want and then, because they were asked in, there are no cancellation rights. I don't think so. :mad: The cheek of them. :mad:

 

Ah well, back to square 1 then. :oops:

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tiglet

tiglet

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Posted

I agree - i prefer to know what exactly I am paying each month.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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