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    • Good point, hightail.   And assuming Boris wins, how is he going to explain to party members that the EU won't renegotiate? Or doesn't he care because the decision will be back with Parliament?
    • Update, new tactic from Cabot?? After a quiet period I suddenly get a call to my mobile asking for me by my first name to which i answered yes, (my name) speaking. Caller then says this is Cabot Financial, my reply, never heard of you sorry. I ended the call and blocked the number ( a mobile). Ten minutes later I get a text message stating: Hi, its Cabot click this secure message link if you want to hear something beneficial to you ( or words to that effect). I deleted the message and blocked the sender but I am curious as to what this ploy is. I am guessing by clicking the secure message link I will be acknowledging the debt and thereby resetting the statute barred clock. Have any other Forum members experienced the secure message approach? Thanks in advance.
    • I doubt they really do believe it.  They believe the party membership will believe it - and they already know they'll believe just about anything.
    • Anglian Water (although others may be culpable).   Some time ago users of this forum complained about the level or proportionality of standing charges on fuel bills.  The feeling was that 25% standing charge would be acceptable against the unit cost.  Anglian Water in Essex, responsible for sewage removal,  charge around 80% of a bill for this, my last account was £10 unit cost against a £44 standing charge.  Anglian claim that this is due to infrastructure issues and that my area is sparsley occupied.    Southend on Sea has 160,000 residents, hardly sparse, and infrastructure issues are their problem, not mine.  Anglian is also responsible, according to Environment Agency, of contaminating sea water in my locale.   If there is no legislation regarding the proportion of standing charge to unit cost, there certainly should be !  Any advice ?   (There is a wider issue of charging through third parties that could be taken up seperately.)
    • So - I continue to not pay any more?  Until they respond with the info I have asked for?
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    • My personal experiences of Future Comms 
       
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
zootscoot

Zoot v Halifax Mortgages ***SETTLED IN FULL*** *

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3382 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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Not hijacking will start new thread tomorrow. Just to let you guys know I have sent my pre lim letter to Playform Home Loans requesting my ERC of 3.500k back. Will post new thread with more detail.

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hi sorry if im hyjacking this thread. :( but just about to tackle a and l for charges on our old mortgage. the unpaid dds are easy to spot but however; can i claim these back?

 

insurance admin fee 25.00

deeds production fee 75.00

sealing fee 75.00

insurance admin fee 25.00

switchover fee 50.00

 

thanks very much for your help :)

 

i know you are not hyjacking but was just asking questions about my post even though im hyjacking too :-| need to know so that i can proceed lol lol ;) thanks

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Zoot,

i was looking at N150 et al completion on another thread and asked whether a form of words for ERCs had been promulgated. I was advised to re-check this thread (which I've probably read 3 or 4 times over the past 6 months!). Have now done so but see no recent entries refering to N150 (ERC version). Can you assist or point me in the right direction please - we're after almost £11k from Nationwide and don't want to make any stupid c**k up.

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hello please help, had a reply from the courts saying; opon the courts own motion.the court has made this order of its own initiative without a hearing. if you object to the order, you must make an application to have it set aside, varied or stayed within 7 days of reciving it.

IT IS ORDERD THAT

the parties are to file draft directions, agreed if possible, by the 5th of feb 2007 for the courts further consideration.

 

i dont actually understand a word of it! do i need to send them anything? i am very worried now i thought halifax would have backed down by now.

 

any ideas zoot?

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Its easy. Rather than have a directions hearing, they want you to submit draft ordersof direction.

Have a look in bankfodders 'New approach to Allocation Questionnaire'. There's a draft Order in there...

 

http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html

 

In the XXXXXX County Court

Claim number XXXXXX

 

Between

 

XXXXXXXX - Claimant

 

and

 

XXXXX - Defendant

 

Draft Order for Directions

 

The Claimant shall within 14 days of service of this order send to the Defendant and to the Court:

  • a) A schedule setting out each charge repayment of which is sought, showing the date, amount, and reason given (if any) for that charge being made;

  • b) Copies of any statement or other document relied upon as showing that each and every charge has been made;

  • c) A statement of evidence of all matters relied upon as tending to show that the charges are irrecoverable as penalties or otherwise;

  • d) Copies of decided cases and other legal materials to be relied upon.

If the Claimant fails to comply with this order, the claim will be struck out without further order.

 

 

 

2. The Defendant shall within 14 days thereafter file and serve a response to the Claimant's schedule, stating in respect of each item claimed;

  • a) Pursuant to what contractual provision such charge was made, producing a copy of the contractual document relied upon;

  • b) Whether such charge is accepted to be a penalty, and if not why not;

  • c) If such charge is alleged to be a pre-estimate of the Defendant's loss incurred by the Claimant's actions (whether or not such action is treated as a breach of contract between the parties), all facts and matters intended to be relied upon as showing that such was a proper estimate of such loss, and all evidence to be adduced at trial as to what the true cost of dealing with the matter was;

  • d) If such charge is not alleged to be a pre-estimate of the Defendant's loss incurred by the Claimant's actions then facts and matters intended to be relied upon showing the basis upon which the charge was calculated and all evidence to be adduced at trial as to show that the charge was fair and reasonable.

  • e) Any witness statements.

  • f) Copies of decided cases and other legal materials to be relied upon.

If the Defendant fails to comply with this order, the Defence will be struck out without further order.

 

There you go :)


Barclays :- Settled March 07:o

 

RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???):confused:

Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

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thankyou fullyskinted i feel much better now, thats great i will get that sent off and see what happens next! thanks

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i not sure what happens after this do i need to provide any mortgage agreements from the bank because i dont think i have any, i am right in thinking this letter is basically giving them 14 days to pay up or go to court? (sorry to sound stupid, just want to make sure!). what i do have is the last statement the one that was sent to my solicitor with the erc on it. thanks

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Run it by a MOD or Zoot first. A mortgage is slightly different to a bank acct.

Basically, are you claiming Early Redemption Charges or what?


Barclays :- Settled March 07:o

 

RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???):confused:

Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

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Yeh I suggest you run it by a mod.

Im gonna more than likely be in a simialr situation myself shortly...

 

The Draft Order is OK - Ive used it on my AQ for bank charges.

 

But the ERC is only one piece of paper isnt it!?!? No statements. Just a few sheets/covering letters to/from them.


Barclays :- Settled March 07:o

 

RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???):confused:

Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

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Darn it fullyskinted you beat me to it :)

 

Gina that draft order is for the judges consideration of which way to go next. Basically it sets out what you will supply within 14 days of the order being made, the defendant then has 14 to respond in full to it.

 

It's an excellent order and I am about to submit it to the court in my ERC claim. if you look at it, section 2© goes beyond standard disclosure , plus they also have to provide evidence of previous cases.

 

Go for it :) I'm sure you have or can get a copy of the redemption certificate proving the charge was made.


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 both of you, your right they are not getting away with it that easily!!!;) thanks. will keep you updated

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thanks both of you, your right they are not getting away with it that easily!!!;) thanks. will keep you updated

 

Just a tip lol.

 

Get your stuff ready according to that draft order. I think you will find the Judge making it a full order so be ready :D


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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ive never taken a claim this far before so dont know what to expect, could anyone expain it to me so i know exactly what i am doing!!? i am a bit worried as i have just read another thread (forgotten the name) where somebody went to court for erc and lost, sorry i just feel as if im in over my head!!:confused: :confused:

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Hi Guys....

 

I really appreciate your work on this forum, and special thanks to Zoot. By the way, does anyone know what happened to Ginamaunders case, or is there a separate thread for it?

 

Regards,

abbas

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Hi Guys

 

just had to redeem my mortgage 3 weeks early and have had to pay £15000 eraly fee ahhhhhhhhhh

 

which letter template will help me the most

 

thanks

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Be VERY VERY careful drewage. I embarked on this course just at the time Zoot had given advice following an abortive attempt by someone else. I even got as far as persuading a Judge to issue a motion calling for each side to 'show'. However it became apparent - even to me- that I might be embarking on a very expensive course of action for my friends (we were after £11k) and in all conscience I couldn't proceed. Having accepted Zoot's advice we chose to offer a draw to the opposition - which they accepted! I still believe we did the right thing although it would have been interesting to see whether 'they' would have complied with the Court's direction!

Sorry not to be more positive (and this is a situation I am likely to find myself in in a couple of years time) but I really would not wish to see you 'burned'. There is an extensive selection of case history to peruse on this site and I would urge you to 'roll up the sleeves' and get stuck in.

Ken

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Hello Zoot

 

Some cracking work on this thread.:cool: Just before my time joining CAG I think.

 

Are you still around ma'am?


The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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hi how do i find out how much i paid on erc and how far back can i go

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