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    • sorry but that letter needs to be much much better. you need to express that it was a stilly youthful mistake trying to be the big man and jumping the turnstile to look big infront of your peers. TfL prosecutors are on the email address on their first letter. get the court form sent back to the court , (but copy it first) stating you plead guilty and wish to attend to address the judge in person face to face to show your genuine remorse for your stupid youthful exuberance.      
    • I thought I should send the begging letter to the prosecutor. Does the hearing means the time I need to send back by? If so, it’s June 5  I plan to send the new begging letter as following, can I ask for some suggestions? Dear Investigator/Prosecutor,  Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.  I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.  I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.  Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.  I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.  I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.   Yours sincerely,
    • LoL Dx you crack me up. Thanks for the advice. I'll stay positive.
    • Utter Rubbish!! lowell dont write and beg for deals once they start court. as for your attitude, we'll thats nothing new for you.😎 you wont be quizzed, it's not like TV, simply refer to your defence/WS when answering anything the judge may ever ask. well it involves chickens. dx  
    • Thanks fk, I hope I don't have to face the court. Bless you for the reassurance. 
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Zoot v Halifax Mortgages ***SETTLED IN FULL*** *


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Hi Les, i had a Mortgage with mortgages plc (Glasgow), where was your mortgage held and where did you write to for your DAR?

Up until June this year it's probably cost me about £500.00+ in admin charges and it cost me over £3k in ERC.

Could you please give me advice on what letters you used from the start of your claim!?

I have a feeling this is gonna be a fight with Mortgages PLC!

Cheers in advance..

T.D.:-)

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Hi Tracey,

 

Cor 18k that must be a record! Unfortunately this brings your claim into the multi track. There is a possibility that this could go to the High Court where only barristers can appear. Csts can escalate considerably and you will be liable if you lose. It may well be worth waiting and seeing how the current claims against Kensington are progressing before making a decision as to whether to proceed.

 

All the best

 

Zoot

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Haha Blackrain, I 've just posted on your other thread we must have been typing simultaneously. Lol

 

Both Lickthewall and thunderpuss got the same reply from BM but they paid out without submitting a defence.

 

If you wanted to respond to the no breach argument check out my letter in this thread:

 

http://www.consumeractiongroup.co.uk/forum/mortgage-companies/27030-harsh-letter-recieved-form.html

 

All the best

 

Zoot

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I want to reclaim an early redemption charge from Abbey. I have the redemption statement but I have been looking on here for a couple of hours and cannot find a letter to send requesting them to explain how the charges came to be and asking for the fee back. Is there are letter on here?

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Excellent thread Zoot, had been putting of the mortgage company but it seams to be not much different to the steps taken on the banks.

 

I have Gmac ERC from 2003 £2800 closed after 1st year.

 

Many thanks for all the info all now clipped and pasted safely on my pc:D

 

BL:)

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  • 2 weeks later...

Hello please can someone give some advice on what to do?, we are claiming back morgage redemption charges from halifax £4000 have put money claim in and 28 days will run out on thursday, have just had a phone call asking if we could accept £2000 we have said no. they say that they have a good case against us because when we signed the contract we knew about the charges. should we take the offer or do we carry on. Please help!!!

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Hello please can someone give some advice on what to do?, we are claiming back morgage redemption charges from halifax £4000 have put money claim in and 28 days will run out on thursday, have just had a phone call asking if we could accept £2000 we have said no. they say that they have a good case against us because when we signed the contract we knew about the charges. should we take the offer or do we carry on. Please help!!!

 

They are only trying to take a cheap way out Gina, because they know they don't have a defence worth scribbling down. Stay with the plan and you will get every penny they owe you, even if it takes a little longer.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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thanks very much tamadus you are right, so what do we do if thursday (deadline) comes and we dont hear anything, i have never taken a claim this far before. the thought of going to court is very scary!!

 

I dont know how far into the claim you are Gina, I'm guessing they have to file their defence, If they don't then apply for judgement by default, if they do the court will send you an Allocation Questionaire. Fill it in using the sample in the library and start getting your court pack together just in case they do decide to set the precident none of them want to.

 

Dont worry that you haven't gone this far yet, I just sent back my first AQ :D

 

The advantage we have over them is the wonderful support and guidance this site gives us.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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wow amazing thread zoot was going to bed about 3 hours ago till

 

I started reading this thread,have got a few quid to sue Kensington

 

for too,and Mortgage express,seems every time I`M on this site

 

theres a way to get money back from the big boys,Your a star

 

Zoot well done.

 

Mikeb

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Ok, you are gong to want to slap me now. I don't want to slip up though so just going to check.....read Gizmos thread about a partner. My wife and I held the mortgage account so the court claim should be in both our names is that right?

 

No worries. You've done good work on this area.

 

Bit confused here Zoot. I thought MCOL only took one name or have I read this thread wrong somewhere?

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I did the claim in my name alone as this is all that is allowed under mcol, but all the letters (prelim and LBA) were signed by myself and my husband and the cheque was made out to us both. No one ever queried it.

 

Hope this helps

 

Zoot

 

 

here?

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Hi Zoot

 

and very well done I thought I had an ERC with mortgage express-But looks like its not, just discoverd they owe me £244 for unpaid DDs though- thanks to your posts I got the files out.

 

I Have a question what about £750 arrangement fees? are these perfectly

legal?

 

TIA Mikeb

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Hi Mike

 

 

just discoverd they owe me £244 for unpaid DDs though
-

 

You can claim these

I Have a question what about £750 arrangement fees? are these perfectly

legal?

 

 

Very expensive arrangement fee but yes unfortunately these are lawful as they do not relate to a breach of contract.

 

is it the same scenario RE- ERCs in Scotland would I have to make 2 claims against Kennsington,as it will be above £1,500 ?

 

 

 

Unfortunately you can not split ERCs.

 

Hope this helps

 

Zoot

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