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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Maroonfox5 V Mortgage Express*Lost in court*


maroonfox5
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After a successfull claim against the Halifax I decided to have a punt @ early redemption charges.

I fired a pre letter off on 10th July to Mortgage Express(part of bradford&bingley)

asking for a full breakdown of their costs incurred ( when they charged me a whopping £4,778 ,and a refund.

Concerned that I had no reply after the 14 days ,I decided to phone before sending a second letter. I spoke to a helpful young guy, who said he would make enquiries with the redemption dep and get back to me.

Having not heard anything I decided to draft my second letter and enclosed a copy of the first for good measure. Posted it last night. First thing this morning I picked up a voicemail message, from the same guy, he had returned the call.

Rang him this morning and apparently the official statement is that they have not received my letter. My reply being you must have filed it in the bin then?:rolleyes: I told him that he should expect to receive my next letter with a copy of the first enclosed by monday.

Lets see what happens.

 

Maroonfox5:)

Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL [email protected]

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Seminole

 

Yes you're quite right on that one .The thought went through my head after I'd posted the letters.Will do that on Monday then they can't play games me thinks.

 

Thanks for that

 

cheers

 

Maroonfox5

 

PS congratulations on your stonking victory over Abbey..........Nice one

Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL [email protected]

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  • 2 weeks later...

After sending my letters again via recorded delivery ,I,ve just received their reply.

 

Dear Mr Maroonfox5

 

Thankyou for your telephone call on 3rd July (EH! NEVER PHONED THEM THEN JUST SEND A LETTER ON 10th July) DOH!!!!!!!regarding your complaint.

 

I an sorry that you are unhappy blah blah and complaint is being investigated through internal complaints procedure.

 

Will get back within 20 working days (WHAT ONE MONTH FROM NOW ,DON'T THINK SO).

 

If you would like to speak to one of our team in the meantime ,call the number at the top of letter.Thankyou for your patience.

 

Yours Blah Mortgage Express.

 

 

Well !

 

Not sure what to do now

 

Shoud I ring them and explain that we are working to my timetable or write to them instead?

 

Any thoughts welcome folks

 

 

Regards

 

MF5

Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL [email protected]

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Decided I'd ring and speak to them today and so I did just that.

 

Got through straight away on a direct dial number given in the letter.

 

Told them that they had until end of the week to respond as my last letter stated.

 

The lady in compaints after checking my details said that they would be replying to my letters by the end of this week.

 

Will keep updating as soon as

 

 

MF5

Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL [email protected]

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  • 2 weeks later...

Well .........Guess what ?

 

Received a reply fron Mortgage Express today.

 

Must say it is very polite and has been written by a customer relations officer.

 

These are the basics of their refusal cutting out the rubbish:-

 

1 You took out the mortgage and agreed to be bound by the terms and conditions.

 

2 Your account was on a preferential interest rate and within the ERC period.

 

3 Funds were purchased from the money markets and incurred fees paid by us.

 

4 Fees paid determine the charges we pass on to you.

 

5 If we didn't include the charge as part of your terms and condition we wouldn't be able to offer you the interest product we did.

 

6 ERC was correctly applied to your account.

 

 

Therefore we are not going to refund the ERC.:mad:

 

 

Response from Maroonfox5

 

 

I PREDICT A MONEYCLAIM

 

 

BRING IT ON.....................

Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL [email protected]

Link to post
Share on other sites

keeping a keen eye on this thread. I've sent SAR to mortgage express.

  • Confused 1

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

Mortgage Express charges- settled in full after issuing claim

 

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

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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Nathal.....

 

What are you chasing for?

 

PS Glad you replied......... thought I was Billy No Mates on this one :lol:

 

Regards

 

MF5

Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL [email protected]

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Nathal.....

 

 

 

thought I was Billy No Mates on this one :lol:

 

Regards

 

MF5

 

I am waiting for SAR - due by 6th Sept. My mortgage was sold to ME by GMAC I predict around £5000 ERC (I'm not mystic Meg just hazy memory!)

Consumer Health Forums - where you can discuss any health or relationship matters.

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Welcome folks!

Nice to see some of you bods showing up for the fight ?

Lets see if we can get some results from this lot eh ?.

MF5:-)

Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL [email protected]

Link to post
Share on other sites

  • 3 weeks later...

Well folks the moneyclaim went in on the 6th (no money to do it until now)

 

It cost me £250 for this one as I went over the 5K figure.

 

They have until the 25th to reply..........Lets see!

 

MF5

Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL [email protected]

Link to post
Share on other sites

Hi MF5

 

I'm reading this with great interest...good luck to you, keep us informed. I am doing an ERP claim to Derbyshire Home Loans.

 

Ryjayel

o---------------------------------------------------

Barclaycard & Barclays Bank Done! :whoo:

The journey back to a decent credit file is much longer than the path it took to ruin it!

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Good luck with yours as well ryjayel .it's always nice to know that others are following the thread.

 

Zoot.....

 

Congrats are in order to you well done.

I found your thread yesterday after someone had recomended your letter as a template ( I printed it off for reference ,thanks).:)

 

I hope I'll be next

 

Regards

 

MF5

Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL [email protected]

Link to post
Share on other sites

in response to your earlier question. I am claiming my penalty fees which add upto bout £700.

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

Mortgage Express charges- settled in full after issuing claim

 

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

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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Nathal...........

 

Looks like you're ready for the LBA letter.

 

Regards

 

MF5

Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL [email protected]

Link to post
Share on other sites

do you think you'll get an offer or will it be dragged out to court

 

havent heard anyone claiming from ME

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

Mortgage Express charges- settled in full after issuing claim

 

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

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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Hi Maroonfox.

 

Have a look at SANDY VS GMAC RFC. Interesting development in court today on her thread. I am taking on Birmingham Midshires.I can't wait to get into the chambers for this one. I can't be scared off by Barristors in dodgy suits.

Good luck. Keep us posted.

 

Ukaviator

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Just a quick update.

 

These lot have acknowledged and have earned themselves a further 14 days

 

OH JOY

 

Regards

 

MF

Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL [email protected]

Link to post
Share on other sites

do u mean they have acknowledged claim

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

Mortgage Express charges- settled in full after issuing claim

 

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

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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Certainly do Nathal.

 

There is an acknowledgment of sevice filed .

 

This gives them an extra 14 days from the old deadline to file their defence.

 

Can't wait !

 

MF5

 

How are you getting on?

Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL [email protected]

Link to post
Share on other sites

waiting for response from lba, if not then i can issue a claim.

 

From how your getting on, it seems they intend to defend

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

Mortgage Express charges- settled in full after issuing claim

 

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

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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Yes and I'm relishing the chance to see them in court on this.

 

I'll be very interested to see what they decide to put in their defence as I'd like some more ammo to fire at them. LOL

 

MF5

Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL [email protected]

Link to post
Share on other sites

did you claim any penalty fees from ME or are you just claiming the ER.

That figure must be about 5%

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

Mortgage Express charges- settled in full after issuing claim

 

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

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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