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    • your claim is against whomever fitted that parts.  
    • I would also take this opportunity to add that I don't really understand why you purchased an insurance policy for this watch – unless it offered you something like new for old, accidental damage or that the policy was transferable to a new owner in the event you decided to sell the watch. If there is not the features that interested you then you are perfectly adequately covered by your consumer rights contained in the Consumer Rights Act 2015 and of course it would be unlawful for John Lewis to attempt to exclude or limit liability in case something happened to the watch and it ceased to be of satisfactory quality for a reasonable period of time. By and large these extended warranties are a waste of money
    • Sunak to new MPs at the Kings Speech debate. Rishi Sunak, in the king's speech debate, tells new MPs that "life comes at you fast" on the government benches. "Before you know it you end up with a bright future behind you and are left wondering whether you can credibly be an elder statesman at the age of 44," he adds.
    • Properly declared means that you declared the exact value of the item that you sent and by and large you are limited in the value that you can claim to that declared value.  It seems that you didn't declare the value of the accompanying insurance and so if you want, you can go ahead and claim it and we will help you but by and large although your chances of recovering the value of the watch are much better than 95%, The chances of you claiming the value of the lost insurance are much less.  It's up to you if you want to try . Please do the reading that we have advised and start preparing your letter of claim and post the draft here. I suggest that you think about posting up a draft letter of claim on about Sunday which will give you lots of time to do necessary reading  
    • The dealership is not the issue, the technician who I have known for a long time explained where the fault lies, the other garage for lack of a better word did a very  poor job of putting the brake pad on where the piston was not lined up correctly which caused uneven pressure on inner pad, the peg on rear of pad not sat in grove of piston.
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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      • 162 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      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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MY MORTGAGE COMPANY FEES - LONDON MORTGAGE COMPANY


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Recently,I could not pay my regular monthly mortgage payment on the due by date - 11st of the month.(I have never had mortgage arrears in the past)This ended with the bank bouncing the amount twice.However I managed to pay the full amount about 3 weeks later.

 

So the mortgage company has requested that I pay 2x £20

= £40in bounced fees plus £47 for a "cancelled" debt advisor visit (as I paid the amount in full prior to the visit) plus £2.22 Interest on these 2 amount to be collected

on the first of next month = £89.22 with my regular mortgage payment.

 

Has anybody had a similar experience?

 

I gonna get started with my first letter to the company taken the library on the site! :lol:

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  • 3 months later...

What's happened. Did they charge you?

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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So I take it you haven't bothered then? I'm afraid I'm like a dog with a bone on the whole charges thing after the years of torment from the banks etc. I would try to get anything back. Maybe I'm just a saddo.:rolleyes:

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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Caro,bother IS NOT the word!

 

You have to be more careful if you are still dealing with the same company - as

I am with London Mortgage Company.

 

This is why:

 

1.It is a very ruthless company with no mercy if you fall one second behind with mortgage payments.

 

2.Also,when I needed to use the house as security to borrow against it from another company as a second charge loan - they refused why?Because they put the unlawful fees as arrears on the account!!!!

I had never had any arrears whatsoever prior to this.

 

3.Also,there is another seperate issue London Mortgage Company has very recently been taken over by South Pacific.Also,I had mortgage with Southeren Pacific and when I redeemed the mortgage the penalty was over £4,000 which I would like to get my hands on before persuing the almost £90.

---------------------------------------------------------------------

Also,

 

a.I have recently sent off a letter to a previous mortgage company requesting a redemptions penalty refund which hopefully is around the £4,000 mark.

 

b.Cards etc I am either still counting penalty fees,disputing with DCAs or waiting for DPA responses.

 

 

So Caro as you can see,

 

I am also like a dog with a bone and probably even worse!!!

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So I take it you haven't bothered then? I'm afraid I'm like a dog with a bone on the whole charges thing after the years of torment from the banks etc. I would try to get anything back. Maybe I'm just a saddo.:rolleyes:

 

You think you're sad? Imagine what it's like for a moderator! :D

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Caro,bother IS NOT the word!

 

You have to be more careful if you are still dealing with the same company - as

I am with London Mortgage Company.

 

This is why:

 

1.It is a very ruthless company with no mercy if you fall one second behind with mortgage payments.

 

2.Also,when I needed to use the house as security to borrow against it from another company as a second charge loan - they refused why?Because they put the unlawful fees as arrears on the account!!!!

I had never had any arrears whatsoever prior to this.

 

3.Also,there is another seperate issue London Mortgage Company has very recently been taken over by South Pacific.Also,I had mortgage with Southeren Pacific and when I redeemed the mortgage the penalty was over £4,000 which I would like to get my hands on before persuing the almost £90.

---------------------------------------------------------------------

Also,

 

a.I have recently sent off a letter to a previous mortgage company requesting a redemptions penalty refund which hopefully is around the £4,000 mark.

 

b.Cards etc I am either still counting penalty fees,disputing with DCAs or waiting for DPA responses.

 

 

So Caro as you can see,

 

I am also like a dog with a bone and probably even worse!!!

 

Just to be clear, are both your current and old mortgages effectively with SPML?

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So just biding your time over this little issue then N4B. There time will no doubt come!!!:D

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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You think you're sad? Imagine what it's like for a moderator! :D

 

Have you seen the time of my post. This place should be renamed Insomniacs Anonymous!

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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Hi all!

 

Seminole,in reply to your question:

 

Yes,but a mortgage on a different property.

 

When I first took out the current mortgage,it was with London Mortgage Company a part of Matlock Bank and nothing to do with SPML.

 

This company is now trading under SPML - which leads me to believe it has been taken over as I was informed about this very recently.

 

On the positive side,it is a very flexible company with its lending criteria.

 

Caro,yes timing is VERY crucial!

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  • 3 weeks later...

LMC (London Mortgage Company) was recently acquired by Lehman Bros, who also own Southern Pacific Mortgages Ltd (SPML), Southern Pacific Personal Loans (SPPL), and Preferred Mortgages. At present each company is trading separately and will retain the brands for the time being, although Preferred Mortgages are due to vacate theitr offices in Haywards Heath at the end of this year and move in with SPML in Broadgate.

 

LMC have a particularly strict set of rules that they apply when granting "consent" to a 2nd charge. In common with most "sub prime" lenders, they place a "restriction" at the Land Registry which obliges anyone wishing to place a charge behind their existing first charge to effectively get their permission. LMC usually require that the last 6 months contractual mortgage payments have been made, in full, on time, and by DDM. They will also check any proposed 2nd charge lending still fits their own equity and income criteria. Any variation from this will generally lead to them declining to give consent.

 

The bottom line is with LMC is dont get into arrears, as your options are limited to negotiating with LMC to set up a payment plan to clear the arrears, finding the funds from your own resources, remortgaging (with an average of a 6% ERC + all their add on charges) or finding a second charge lender who will ignore the consent restriction and place an "equitable charge" behind LMC

Preliminary Letter sent to Woolwich 05/06

LBA sent 19/06

Court claim filed 04/07 : Total £824.75

Acknowledgement of Service 27/07

Defence received 08/08

AQ filed 11/08

Barclays AQ filed 05/09

Hearing date 20/12

SETTLED IN FULL £840.49: 14/12/06

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  • 4 years later...

ok folks im another one...london mortgage capstones acenden ........letters ..fees..charges...notes through my letter box.......no help over phone no suggestions to help by them just abuse.....i have 1 month arrears and god knows what from above.......can anyone just give me a brief INSTRUCTION what to do to get my moeney back etc and stand my ground ive read 50 pages on here but its a lot to take in whats current update thank

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  • 8 years later...

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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