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    • dx100uk
      PCN in Rochdale on a road. Wrong location and offence on PCN

      By dx100uk · Posted

      all DYL's are subject to a TRO. looking at this newish, ever increasing as old ind units have gotten removed, estate, there are only lines on one side, on the other there is a parking lane with traffic calming through which you mention. i seriously doubt your mate has any clue what he is talking about.!! its not a private housing assoc estate. so its a public council owned road. no construction co can just decide to draw their graffiti on a road. the DYLs are certainly there pre 2016 even before his home was built. now ive had a quick look to see if the main access to royal park road has signs. there is no royle park road even on your map but there is a royal barn road which leads to where you are parked royal road has a restriction sign on the pole by the fence of the electric substation jnc with gipsy lane there does not appear to be one leading in from the other end - tesco petrol station
    • CrazeUK
      Speeding ticket stop - no ticket

      By CrazeUK · Posted

      Hi All. I was driving in Stevenage down a 40 road after coming off the motor way, i noticed my car felt a little "weird" i accelerated, then slowed the car down.  Shortly after i got stopped by a manned police car with a laser. During the stop the officer stated i was doing 54 in a 40, the conversation was short, but he said i would unlikely get a awareness course and it was most likely 3 points and a fine.  Mrs thought it was a good idea to have dairy when she is lactose intolerant on date night, we just got on our way.  At the time, i didnt admit to the offence, but did say i didnt realise and had slowed down in any case. The officers chest camera was recording and on. At the stop, he asked where to send the fine to, as i knew i would be travelling to visit family up north, i provided my temporary details at that location in Yorkshire. It is now 05/05 and i haven't received anything at either my home address in Stevenage or the temporary address. 1. Is there a time limit in which paperwork needs to be sent to me. 2. Should i query the ticket as i don't want to miss any deadlines (if so who do i check with?) OR should i keep quiet. 3. Given nothing has arrived in 20 days, is there a chance of appeal if and when it comes through? Many thanks CrazeUK
    • CrazeUK
      Failure to insure Fine

      By CrazeUK · Posted

      Hi All. A family friends car was having issues when she was on a trip visiting family up north at the begining of January.  She ended up leaving it at my friends garage in the same location, who parked it on his forecourt to investigate the issue, howver he said most likely it is beyond economical repair as its a serious gearbox fault. In the meantime i replaced her car with one of my spare cars. The insurance on the car then expired in at the end of January.  When the insurance expired, I sent a paper V890 paper as i didnt have her V5 Reference number in hand to do it online (i have a copy of this).  She didnt mention she hadnt recieved any confirmation as she didnt know if she would get one.  She then cancelled her road tax at the end of March (i think) as she was paying by DD. She then was travelling up north so didnt get her ,ail until last week. She recievd a letter dated 09/04/2024 stating she had failed to insure the vehcile and there was a £100 fine which could be reduced to £50 if she respons by 11/05/2024.  As soon as we noticed, i got her to dig  out the V5 and SORN'd the vehicle.   My friend has been a bit slow in checking the fault, however i suspect it will still be scrapped and is still on his forecourt. Is this possible to appeal?
    • dx100uk
      Trying to find contact details for prime credit 5 S.a.r.l

      By dx100uk · Posted

      worthy to not forget Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator for treating borrowers who were in arrears unfairly. Claim those charges back plus the interest and tell them not to add any more to the account. There are a few news stories here you can get the info for a letter to send to them. http://news.bbc.co.uk/1/hi/business/8615870.stm  
    • CrazeUK
      PCN in Rochdale on a road. Wrong location and offence on PCN

      By CrazeUK · Posted

      Hi All. I went to visit a family friend in Rochdale on a new housing estate opposite a old row of houses. The location is Royle Road, Postcode OL11 3PE. I was originally parked in parking bays outside the old houses, then moved the car, when I noticed my tyre was flat, so parked on what looked like double yellows to use his air pump to check and inflate the tyres before we left the house.   In the time i went inside to sort the pump and power supply i got a PCN.  The tyre then got changed (has a puncture) and we left. PCN Number:         RE######## Date:             04/05/2024 Time:             20:36 Observation:         20:34 to 20:36 Reported location:     Royle Park Road Reason:        Parked in a restricted street during prescribed hours (Code: 01) I believe this PCN is not correct and has grounds to appeal: 1. My friend who moved into the property around 6 months ago, swears that even though it has old double yellows marked, they are not current or council marked.   He said the property development company had said they had marked them for ease of access during development. 2. The road i was parked on was Royle Road.  The PCN was issued for Royle Park Road, which is about 400 yards up the road. 3. There are no sign posts or marking showing parking  restriction hours in the entire area (there maybe on Royle park Road). I have attached a map of the Location where i parked as a red dot. I have 2 questions: a.  Is there a way to check where double yellow lines are marked on some register to check if they are current? b. Can my grounds of appeal simply be, wrong location, wrong offence? Thanks in advance. Map_20240505.pdf

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      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.

Can they do this...Amber Home Loans

WILKINSS208

By WILKINSS208
in Mortgage companies

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WILKINSS208

WILKINSS208

Posted
Posted

Hello

Can anyone give me some advice please,

I have recently remortgaged, moving from GMAC to Amber Home Loans. I saved myself £230 per month by paying off my other mortgage and a loan.

I was offered my remortgage over 22 years at a fixed rate for 2 years. The payment was £911 per month. I have paid one payment.

I received a letter over the weekend stating my payment is now £917..£6 increase.

I called Amber Home Loans to ask how my payment had increased. They said every 3 months they review accounts and can adjust the amount if they like. Surely they cant do this, can they?

I was sold this stating that figure would not change for 2 years as fixed.

I have only been with them 1 month, so why review now if done every 3 months? Also, at this rate I could be paying over £1000 per month next year.

Can anyone help me??

Any help would be appreciated.

Regards

Sharon

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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Penfold92

Penfold92

Posted
Posted

It really depends what your offer said. Dig it out and read the Section on payments. It usually says 24 payments of ....then XXX months at £....

 

Sometimes depending on lender it will say 1 payment of then 23 payments of then XXX months at....

 

Does that make any sense? Have a read it is your best document. If the figure is the £911 as you think fixed for two years then "no" they can't change this if they feel like it...

 

If you could type up what it says there I (and others no doubt) will try to help,

 

Penfold

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WILKINSS208

WILKINSS208

Posted
  • Author
Posted

Hi

I am typing the offer which was in their mortgage offer which I signed for and returned:

 

What you will need to pay each month

These payments are based on a mortgage of £129,049.00 and includes the fees that are shown in Section 8 as being added to your mortgage. It is assumed that the mortgage will start on the 1 April 2008 (which it did):

 

26 payments at a fixed rate of 6.39% £911.49

followed by

238 payments at a variable rate, currently 7.8% £1,015.55

 

Also, states:

As the interest rate is fixed until 31/5/10, this means that your monthly payments will not charge if there are interest rate changes during this period.

The monthly payments shown in this offer could be considerably different if interest rates change.

 

So now what can I do?

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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Penfold92

Penfold92

Posted
Posted

They CANNOT change the payments...Ring and speak to someone else and ask why a fixed rate has been changed post completion of the offer, which clearly states £911.49...

 

Hope that helps,

 

Penfold

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jake44

jake44

Posted
Posted

We were with Amber and they did the same thing. :o The rates are ' libor linked and change quarterly.............. !!!!! we found over the three years we had the mortgage the figure continually went uo and down ( more up ) We were recently offered a new deal recently as we are due to remortgage and guess what it was the same kind of deal !! I would never ever go down that line again .................

 

penfold...... Do you know if mortgage companies look at old defaults that are sitting on credit file ??

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Penfold92

Penfold92

Posted
Posted

Hi Jake,

 

That is the way with LIBOR rates, they can change depending on the LIBOR rate, nothing untowards there, but your mortgage broker should have explained this to you...

 

As for old defaults, they are usually ignored by most non-conforming lenders, which means "generally" High street lenders won't lend to people with adverse credit, although Abbey will sometimes depending on how much, how long ago and if it was satisfied...The others as I said above will usually ignore defaults unless they are very recent and huge...Missed mortgage payments, bankrupcies and CCJ's do the most damage.

 

Don't know if that helps or not,

 

Penfold

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jake44

jake44

Posted
Posted

We had a nightmare with amber , :o and an even worse time with the so called broker we went to !! He did not tell us that the mortgage was linked to the LIBOR rate, hence our mortgage was never stable. It also shot up nearly £250 per month when we went on the the SVR ........ Again we were stuck as the fees for early redemption are £6000 . We now have securitized mortgage , as amber sold the deal to redstone to administer !! Thankfully just a few months left.................

My reasons for asking about the defaults are that most of them are due to disappear in 2003........ leaving a few stragglers . I am trying to tidy up my credit file before remortgaging...... Our bank (BOS) have BM solutions that we could maybe try. For a half descent rate they accept 1 ccj but it doesn't mention defaults ???? maybe I am just being toooo hopeful ? :rolleyes:

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Penfold92

Penfold92

Posted
Posted

The mainstream product will allow 1 satisfied default upto £250...BM Solutions Near prime ignores all defaults. I understand they are not really doing much adverse (non-conforming) so really I suggest you find a local broker to discuss your position with and ensure they fully explain to you who they choose and why...

 

Penfold

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Penfold92

Penfold92

Posted
Posted (edited)
Many thanks for your advice.. Problem is trying to find a broker who doesn't charge ??

 

And don't use an Estate Agents one! It is hard and with the market changing more brokers are charging...Worst case find one who will do it for the least amount...They should be declaring on their initial disclosure documents what they will charge so they should not be hiding anything.

Edited by Penfold92
spelling lol
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WILKINSS208

WILKINSS208

Posted
  • Author
Posted

Can I go back to my questions please, Amber nor Crystal Clear told me about this rate, they promised me this rate was fixed for 2 years and would not change.

What can I do?? Rang Amber and explained missold this remortgage. They are sending me a letter out explaining why gone up but I clearly not afford for this to go up. Fixed rate surely means FIXED AND CANNOT MOVE

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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jake44

jake44

Posted
Posted

Hi WILKINSS208

 

Re Amber mortgage :- We also assumed that we were on fixed rate !

we went to financial ombudsman to report the broker who sold us the mortgage and were more or less told that because we had signed on the dotted line that we had no claim. !!

 

We are due to remortgage and were offered a deal of 6.3% discounted rate for two years. Being VERY wary after the last time I checked all the paperwork and yet again it was a quarterly rate change .............!

 

Hopefully you will not be in the same situation , keep me posted on how you get on. ( our loan also suddenly changed mid way to Redstone mortgages........ ?? ) Seems that they are just administrators for Amber.

 

Hope this helps you . If you have any other questions please ask......

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WILKINSS208

WILKINSS208

Posted
  • Author
Posted

hi

mine states FIXED RATE not discounted rate and they are different. I am awaiting letter then will post details of that on here.

I am not letting them get away with it and the Broker I had have said to give them a ring if I am still not happy which I will do. I will also be contacting my local MR JUSTICE in the paper to see if he can help.

I borrowed £129K which is alot and my payments at £911 whiches states fixed for 2 years. They cannot change this surely!

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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Penfold92

Penfold92

Posted
Posted
Can I go back to my questions please, Amber nor Crystal Clear told me about this rate, they promised me this rate was fixed for 2 years and would not change.

What can I do?? Rang Amber and explained missold this remortgage. They are sending me a letter out explaining why gone up but I clearly not afford for this to go up. Fixed rate surely means FIXED AND CANNOT MOVE

 

 

Post 4, already agreed with you that it should and cannot change. Did anything get added post offer to the loan that was not there before? Arrangement fee a charge anything like that?

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WILKINSS208

WILKINSS208

Posted
  • Author
Posted

we had an arrangement fee, solicitor fees added to mortgage but that was included in the remortgage and included in the fixed rate deal. nothing in post today from amber so have to wait.

nothing was added to the remortgage after that offer no.

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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WILKINSS208

WILKINSS208

Posted
  • Author
Posted

ok thanks. keep you posted :)

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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WILKINSS208

WILKINSS208

Posted
  • Author
Posted

hi

just got a letter off amber stating they have made mistake so payment back to £911 - good job i challenged this!!!!

thanks everyone xx

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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