Jump to content


  • Tweets

  • Posts

    • Hi HB,  I have been using it - freedom pass for a long time, this is why i am worried, my memory fails me!  there is no way of checking on the freedom pass usage according my partner.  see my question on your comments: Paragraph 1 a short explanation of why you used the card on the day you were caught worry: as i said i have no excuse other than to save some money  Paragraph 2 you know you made a mistake and you regret it worry: yes i will admit that it is my fault and apologise profusely - will see other template Paragraph 3 you understand how what you did is wrong and the effect it has on TfL worry: yes will do, borrowing words from other template Paragraph 4 you have taken action - tell them what - to ensure that this doesn't happen again worry: i have an oyster PAYG which i use for my journey in to work -ranging 2-3 days a week;  so i can't say that i will buy a season ticket which is more expensive?? Paragraph 5 you ask if they would allow you to pay the outstanding fare and their administrative costs to resolve this worry: i will do that. QuestIon: will they inform my employer?     
    • So they seem to be deliberately fouling Britain - not 'just negligently Need to be in jail alongside the PO crims, and rabidly corrupt MPs
    • Well, we know it seems that the poops and others just use there MP position mainly to generate funds from their 'outside' lol interests Lets hope labor BAN second jobs for Mps - all second jobs - then create a truly independent expenses 'police' with real powers Tip of the iceberg: "A cohort of Conservative MPs standing down before the next election have netted jobs worth millions of pounds and have taken dozens of all-expenses-paid trips funded by foreign governments and lobbyists, the Observer can reveal." so far - "top of the list was former justice secretary Brandon Lewis, who has taken on five new part-time roles worth £410,000 a year alongside his commitments as an MP.   Outgoing Tory MPs take lucrative second jobs and ‘swan off on jollies’ | Conservatives | The Guardian WWW.THEGUARDIAN.COM Sixty four Tories and four independent MPs who lost party whip plan to stand down from the Commons amid dire polling for Conservatives  
    • The first thing you need to do is for your father to send Argos customer services an email saying he wishes to return the item within the 14 day cooling-off period under the Consumer Rights Act 2015. This is important because he needs simple proof to back up his request, as they are being stubborn. Enclose a copy of receipt details so they can locate the sale, Distant selling regulations will apply as he made the contract online with the retailer and they took the payment. The contract is between your father and ARGOS. He has to cancel the contract and receive a refund back to his debit card. You cannot act on his behalf as a third party and they have every right to refuse to deal with you if they so wish. Data Protection the number one issue. I don't understand why Privity was mentioned since nobody is suing anyone. How you received the goods is irrelevant. A retailer's terms and conditions cannot derogate statutory obligation.
    • TfL take abuse of staff passes very seriously. If the pass has been confiscated I imagine they will write to them and it could result in the card being suspended for a time, as I understand it. I hope you've told them about the card being confiscated and why? We need to know how many times you used the pass please - how many weeks at 2-3 days a week. Later I would expect TfL to write to you as well, possibly with a schedule of journeys made with the card, to ask you to tell them which journeys were you. They will ask for your side of the story. We can help you to refine a letter to send once they write but you need to start it off because you're the only one who knows the full story. I suggest something like this. Paragraph 1 a short explanation of why you used the card on the day you were caught Paragraph 2 you know you made a mistake and you regret it Paragraph 3 you understand how what you did is wrong and the effect it has on TfL Paragraph 4 you have taken action - tell them what - to ensure that this doesn't happen again Paragraph 5 you ask if they would allow you to pay the outstanding fare and their administrative costs to resolve this Please don't copy and paste what I've said, use your own words. HB NB This is a suggested reply, don't send it before they write to you because we need to see what they say.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 161 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
        • Like
  • Recommended Topics

Mortgage arrear, fault of lender?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5505 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi, I will try to keep this as informative and short as possible.

 

In November we switched our mortage to interest only because my partner was finished up in work. Luckily she has got new employment and we will shortly be swithing back to capital and interest.

 

I received a phone call this morning from my lender, Derbyshire Home Loans:mad:

 

They said I was in arrears and would I be willing to make payment today, I told them I am not in any arrears and only hve to pay this months payment which I did (£390.73)

 

They said that my arrears totalled £390.73, which goes back to January 2008...this is strange considering my new payments are £390.73

 

They have now told me after another phone call that my arrears are for January this year. I made a payment in January this year of £390.73 + £278 arrears I was told I needed to pay which is a total of £668.73

 

I was told today that the £668.73 I paid in January was arrears only and did not include my monthly payment, which is why I am still in arrears of Januarys payment of £390.73

 

Now when I made the payment in January on the phone, the advisor stated that if I pay the £278 plus m monthly ammount I am up to date. So in effect she was totally wrong or lying to me.

 

I made a payment in February of £390.73 and asked am I am up to date again and was told I am

 

So somewhere along the lines THEY have made errors informing me of my mortgage payments.

 

They have told me today that they are going to listen to he phone calls and come to a conclusion, they said they will reverse my credit score! and remove the £25 month charges for last 2/3 months

 

I told them that this is just not acceptable and to make me believe I am to date was a very serious error on their part

 

Can I take this further or do I just accept their reasons etc. I am totally willing to pay any arrear I have, but to be told after numerous calls that i owe nothing and thenhit with this is very frustrating

 

Any help or advice is greatly appreciated

 

Steve

Link to post
Share on other sites

Hi

 

I would write to them, by recorded delivery and ask for a statement of your account from Jan til now to check what they have done.

 

If it is their mistake and they are willing to correct it make sure you get it all in writing so that they can't try it again.

 

If it is a mistake and they are NOT willing to correct it you can go to the FOS once you have been through the companies complaints procedure.

Link to post
Share on other sites

Hi

 

I would write to them, by recorded delivery and ask for a statement of your account from Jan til now to check what they have done.

 

If it is their mistake and they are willing to correct it make sure you get it all in writing so that they can't try it again.

 

If it is a mistake and they are NOT willing to correct it you can go to the FOS once you have been through the companies complaints procedure.

 

Thanks for the quick reply, they have said they are going to send me a break down of the payments and arrears this week.

 

What has really annoyed me is the fact that they told me a couple of times that I had no arrears and then they hit me with this out of the blue.

 

I am willing to pay any arrears and not shy away from them. Their advisors need either retraining or dismissed. They probably laugh and joke about their mistakes on their fag breaks and not realise the stress they cause people

Link to post
Share on other sites

Thanks for the quick reply, they have said they are going to send me a break down of the payments and arrears this week.

 

What has really annoyed me is the fact that they told me a couple of times that I had no arrears and then they hit me with this out of the blue.

 

I am willing to pay any arrears and not shy away from them. Their advisors need either retraining or dismissed. They probably laugh and joke about their mistakes on their fag breaks and not realise the stress they cause people

 

What Midge said re the statement Snico, but I'd be inclined at this point to ask for a COMPLETE statement of account since inception, since this sort of cr*p is where it always begins. Get as much info as you can before it costs you a tenner for a SAR buddy...

In knowledge lies wisdom

 

Mo - not even a bar-stool lawyer, but I'll help where I can...

 

 

Link to post
Share on other sites

What Midge said re the statement Snico, but I'd be inclined at this point to ask for a COMPLETE statement of account since inception, since this sort of cr*p is where it always begins. Get as much info as you can before it costs you a tenner for a SAR buddy...

 

I will await the break down of payments I should receive this week, then hopefully I can go from there.

 

If for some reason I do owe them, I will pay it....but I am going to chase them for a written apology for they way they have handled this.

 

What is this Subject Access Request you mentioned?

 

Is this like a credit referance check?

Link to post
Share on other sites

Hi

 

This is the link to the SAR letter. You must include a £10 cheque or postal order with it.

 

The company then has 40 days to provide you with ALL the data it holds on you. This will give you plenty of bedtime reading but can be very enlightening.

 

It is your legal right to make this request and they HAVE to comply.

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/110--data-protection-act-1998-subject-access-request-.html

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...