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    • In 2009/10 I took out a secured loan of 110K with BOS they took a second charge on my property (main residence). In 2013 I hit financial difficulties which I informed them about and eventually sold the property in 2017. Their behaviour throughout was extremely heavy handed and their solicitors were very aggressive, just one example - even though a sale was agreed and the conveyancing was proceeding smoothly and they were being kept fully informed that still took us to court to try to enforce the Possession Order they'd previously obtained, fortunately we were in front of a sympathetic bench that day and we held on until completion of the sale.   Now that the scars of this horrendous period of constantly being under threat of eviction have started to heal I have looked back over the financial damage. BOS recharged over 30K of legal fees, they knew we had equity in the property and it seems were happy to trash that equity just to keep the pressure on us, their lawyer dealing with the matter said as much in one of the many calls (off the record). They charged interest throughout. We also incurred about 10k of legal fees ourselves in defending their draconian actions.    I have written twice in the last few months to BOS head office but have been ignored. I tried the FOS on an unrelated mis-sold SIPP matter without success so am a little reluctant to go there again. It's too large for small claims and costs of a another form of court action could quickly escalate and don't want to 'throw good money after bad'.     Would welcome your input on whether there is any chance or reclaiming any of the 30K? If so, how?          
    • Hi there, Apologies if this should come under debt. First and formost it seems a UPS problem.   I recently got a letter from Control Account PLC asking for £131.15 and that their client is UPS. The first line in the letter reads "UPS Limited have previously contacted you in relation to an outstanding invoice". I have had no correspondence from UPS regarding anything other than deliveries. The letter gives no details of what UPS charge I am paying, date, tracking number or any relevant information to identify the debt. From my emails the only possible thing it could be is from an order 11th jan 2021.   I have no problem paying this if it is UPS but I don't want to pay a debt recovery firm or their additional costs. (I have recieved a new letter today asking for £15 more).   Should I write to Control Account PLC and ask for information to prove that I owe the debt? Since I have had no correspondence from UPS, surely I should be given more time to pay with them?   Thank you! kind regards!  
    • Not yet, I had problems with Tesco refusing any liability about another incident 2 years ago (look on my profile for that post) causing me to lost £300. This time, I am going full force in writing with Trading Standards. Calling them is pointless.
    • A Summary Offence is one that can be dealt with by summons at Magistrates Court. Perhaps you meant 'its Not a summary offence'   Had it been kept or used  on the public road, it would have been a summary offence.
    • Hi all,   I find myself once again maybe going for the wrong/bad car!   Basics Car: Audi E-tron 2019/19 with 13800 miles on the clock which was an ex-Audi UK car sold via an Audi Lookers dealership. Picked up: 17/6/2021 Method: Outright/cash with deposit of £1000 paid on credit card Price: £47399   Day of handover, found a small dent and showed to salesman who said he would get it all sorted - no issues as I know him/dealer very well. Evening of handover, I emailed salesman in addition to dent, several other issues with most being minor and one being the My Audi app not working with the car.   Timeline 23/6: Car is picked up to get bits resolved. 29/6: Car returned - My Audi issue still outstanding (confirmed by salesman ) along with 1 other item (severe rusting on brakes/discs) + a minor rattle low down on the list of priorities.  New issue with a scuff now on same side as dent -  14/7: Car back at dealership to get remaining bits resolved 21/7: Car returned with brakes/discs resolved, scuff for next time due to time, my audi issues remain   What the officials say Dealership aftersales are stumped with the issue and have logged with Audi Digital Services + Audi UK I've spent 5 hours now with Digital services with 3 cases of my own logged- all 3 escalated by no ETA on resolution Audi UK have logged it too under my name.   Why is the app so important? Well aside from the fact you can lock/unlock using it, being an electric vehicle, it tells you about charge status and enables climate control remotely.   Why is this so important you say? EVs don't do well in cold temperatures - If this carries on into the winter, preconditioning is critical to the longevity and efficiency of the battery - this is where you remotely switch on the climate control to draw heat towards the battery. Charging status is also important - twice now I have been left almost stranded because the charger stopped working due to a fault.  When this happened, the app failed to notify me it had stopped or it was not increasing charge.  Some 30 mins later (or 60 as it was yesterday), I go back to the car to find its stopped and there isn't enough range to get back.   Forums I am also not the only one with this issue.  One forum has over 19 pages of people complaining around the world. Another one with 6+ pages- there is also an e-tron group on facebook again with complaints.   Who does it impact?  Pretty much anyone with a 2019 or early 2020 e-tron.  It seems fine for late 2020 and 2021 models.  Also the A8 I had as a loan car and a late 2020 e-tron, both worked as did my previous SQ5 that I sold.   FOD The app also has something else called Function on Demand.  This is where you purchase "packs" to enable functionality in the car that it did not come with or was not specced with.  My reason for buying this specific spec car despite missing two bits I wanted was always that I could purchase them later. Initially these were not available at all - Audi stated an update would fix it so this was actioned...it did...well for one out of the 2 I wanted.  But even the 1, I purchased it and it has been "installing " ever since. It is all however most likely related to the app/communication issues with the car.   Conclusion I like the car a lot and don't want to reject especially as I will not find a similar spec/price again.  The next closest option is almost £10k more as its newer. But if I do reject, is the app not working sufficient reason?   I am looking at another brand as a backup but they have their own baggage with reliability and with my relation with this specific dealership + generally Audis, I would prefer sticking with them. My concerns around the FOD is also as the licences begin to expire (Maps, My Audi, Alexa etc) this should be something you can renew via FOD but currently may not be working/available to renew.       Thanks in advance  
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Admin & recovery costs for non payment of Ground rent


Bran1507
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Hi there, its been a while since i've been on here (claimed bank and cc charges long time ago now) but had a baby since then!!:-)

Any how I have a small query. We have re-mortgaged recently and received a letter this morning from Shenstone Properties demanding outstanding groundrent. I understand this is due to havng a leasehold property, however we have never received anything prior to this letter today requesting money? What is more confusing the amount is only £6.84 and admin & recovery costs are £70!! And they have threatened us with County Court summons for recoveryof o/s ground rent and costs which may result in us incurring additional charges in excess of £250??? How can they threaten us with this when we have never had chance to pay this grd rent in over 4 yrs?? We've not had one letter about it from them before....

They do quote these charges are allowed for in section 146 (3 & 5) of the Law of Property Act

Please can someone advise?

Carol

:cool: 20/07/06 - DPL sent

11/08/06 - Chased and faxed DPL letter to Halifax

1 week later received full set of statements (4 yrs)

:o 19/08/06 - Request for £2908.31 letter sent inc interest

:-| 22/08/06 - Standard resp rec'd

:oops: 5/09/06 - Offer of £236 rec'd (are they avin a laff?)

5/08/06 - Sent LBA

8/09/06 sent letter, will accept as part settlement from Halifax not full etc.

12/09/06 - Rec'd offer of £657 (6 mnths charges as full settlement)

15/09/06 - sent letter will accept as part payment on understanding I will recover the remainder etc...

:confused: 19/09/06 - Rec'd another offer of £717? No Deal!

25/09/06 - submitted moneyclaim for full amount + court costs

:D 29/09/06 - Halifax settled in full, £3,028.31

23/10/06 - Halifax credit card settled in full

20/1106 - MBNA stettled in full

23/1106 - Halifax cardcash settled in full

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Hi Bran,

 

Not my area of expertise so these are just my thoughts.

 

If you live at the property, write back to the agents saying you are happy to pay the outstanding ground rent. However, as this is the first you have heard from them about the matter you have no intention of paying their associated fees. As they have had your address, there is no reason for them not contacting you about this sooner.

 

If you don't live there, it may be they have written about the ground rent repeatedly and you should have given them an alternative address.

 

You may need the Freeholder's consent to rent out the flat. The lease document would confirm this.

 

Try searching the net to see if there is any adverse opinion about these agents. If they are trying it on, I doubt you're their first victim.

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Hi there, its been a while since i've been on here (claimed bank and cc charges long time ago now) but had a baby since then!!:-)

Any how I have a small query. We have re-mortgaged recently and received a letter this morning from Shenstone Properties demanding outstanding groundrent. I understand this is due to havng a leasehold property, however we have never received anything prior to this letter today requesting money? What is more confusing the amount is only £6.84 and admin & recovery costs are £70!! And they have threatened us with County Court summons for recoveryof o/s ground rent and costs which may result in us incurring additional charges in excess of £250??? How can they threaten us with this when we have never had chance to pay this grd rent in over 4 yrs?? We've not had one letter about it from them before....

They do quote these charges are allowed for in section 146 (3 & 5) of the Law of Property Act

Please can someone advise?

Carol

 

 

This sounds like your solicitor screwed up when you re-mortgaged (or didn't you use a solicitor?).

When you say 're-mortgaged' it implies a new mortgage on the same property. When did you first take on this property? Have you paid any ground rent at all?

 

I would talk to your solicitor first to get clarification on that front.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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