Jump to content


  • Tweets

  • Posts

    • Changes in the US are enticing more people to file bankruptcy to clear their student loans.View the full article
    • Servicing Stop Limited Registered Office Address: 57 London Rd, Enfield, Middlesex, England, EN2 6DU Company Type: Private Limited Company Company Status: Active Company Number: 06558606 Directors: Oliver Joseph Richmond Appointed 8th April 2008, Toby Robert Richmond Appointed 8th September 2009 Companies House Link: SERVICING STOP LIMITED overview - Find and update company information - GOV.UK FIND-AND-UPDATE.COMPANY-INFORMATION.SERVICE.GOV.UK SERVICING STOP LIMITED - Free company information from Companies House including registered office address, filing history, accounts, annual...   Endole Link: Servicing Stop Limited - Company Profile - Endole SUITE.ENDOLE.CO.UK Servicing Stop Limited is an active company located in Enfield, Greater London. View Servicing Stop Limited profile, shareholders, contacts...  
    • Hi I assume the Loft Conversion with the eaves and crawl space was there when you initially purchased the property. Even in done after purchasing the property and the correct permissions were in place i.e. Local Authority, Land Registry, Freeholder which is Southern Land which would be required as a Leasehold property. The difficulty is if the Loft Conversion was there when you purchased the property and there is no evidence in your documents of the eaves and crawl space due to where the Red Lines stop in the plans or even after purchase it was added this is the reason you are having issues with selling due to those missing Red Lines in the Plans and any other Buyers competent Solicitor would flag this up. I can understand the reasons the Buyer wishes a Deed of Variation probably there Solicitor requesting this to ensure those missing red lines are covered before the Sale as they Flagged this as an issue as Red Lines missing on Plans and want buyer protected. As for the £8000 costs Together and cohort Southern Land are trying to charge have you thought of contacting a few Property Solicitors yourself to get a few quotes. (only mention this because when I research this possible costs can range from £500 - £2000 depending on the Deed of Variation work required and nothing to stop you doing this then approaching Together and cohorts with it) Also ask Together/Southern Land for a breakdown of the £8000 costs for the Deed of Variation. Yup do send both Together and Southern Land a Subject Access Request (SAR) requesting 'ALL DATA' that simple phrase covers whatever format they hold that data in whether it be emails, written, recorded calls etc. They then have 30 Calendar Days to respond and that time limit only starts once they acknowledge receipt of your SAR Request. When you purchased the property some 17yrs ago are the Solicitors that you went through at that time still operating? (I know probably a silly question but if they are nothing to stop you contacting them and asking them about this especially if the Loft Conversion was in place when you purchased the property) Another link that will be useful to you as Leasehold is The Leasehold Advisory Service: Home - The Leasehold Advisory Service WWW.LEASE-ADVICE.ORG Government funded, independent advice for residential leaseholders and park home residents  
    • Why struggling parents aren't choosing cheaper brands when it comes to infant formula milk.View the full article
    • Musk's profane attack on advertisers baffled experts - without adverts, how would X survive?View the full article
  • Recommended Topics

  • Our picks

    • 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
    • Post in Some advice on buying a used car
    • People are still buying used cars unseen, paying by cash or by bank transfer, relying on brand-new MOT's by the dealer's favourite MOT station….
      It always leads to tears!
      used car.mp4

       

       
    • Pizza delivery insurance.mp4


       

       

       

      Parcel delivery insurance 1.mp4
        • Haha
      • 2 replies
  • Recommended Topics

A/E and Newman


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5283 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

I have a debt with an American Express card of £6000. I got behind with payments after suffering a mild stroke last year. American Express has passed this debt over to Newmans. They wrote to me regarding the debt asking for an offer to repay. I offered £250 per month which they accepted. I sent 4 cheques of £250 each expecting my debt to be slightly decreased, instead it has risen by nearly £500. I then wrote to Newmans telling them that no more cheques would be sent and that I was going to write to A/E for an explanation. They wrote back as follows:I regret to hear that you are reluctant to maintain contact with Newman & Co. Upon receipt of your account Newmans applied for a referral fee on behalf of American Express: please note that this is a charge by American Express and not Newmans. Our right to charge this is clarified in the terms and conditions of the account. Althiugh I understand that you do not wish to deal with a third party , the account has been cancelled and passed to an outside agency. I would encourage you to work with Newman & Co. If agreement cannot be made , then the account will be escalated to a further agency. I appreciate that this may not be the response that you have wished for but I hope that I have been able to clarify our position.

 

I am now considering offering A/E £250 per month directly to them by Direct Debit and ask for the money taken by Newman to be deducted from the debt. Please if anyone could advise me I would be so grateful.

Link to post
Share on other sites

Do NOT pay anything to Newmans or any other DCA! The fat fee is unlawful, the DN is probably defective and the CCA most likely duff too! Have you received formal Default Notice and then a Notice of Cancellation?

 

CCA request to Newmans first.

Link to post
Share on other sites

I received nothing from A/E stating that they were passing the debt over to Newmans. I am 73 years of age and find this all very upsetting. Sometimes I wonder if life is worth all this hassle. I admit I owe the money and want to pay it off. I just dont want to get ripped off by Newmans.

Link to post
Share on other sites

Can you give us a bit more info regarding the card... when did you take it out? was it online or apply by application?

 

You say you havent received a Notice of assignment, did you recieve a termination letter and a default notice?

 

S.

Link to post
Share on other sites

Ok...

 

Its really up to how you want to play it... a CCA from 12 years ago is "unlikely" to be compliant with the CCA1974 and therefore deemed unenforceable....

 

However you will face a barrage of DCA's/solicitors and your credit score will be affected if you decide to not pay.

 

 

To get to the point of making the decision I would suggest you send a s78 CCA request to the DCA chasing you at present. They have 12+2 days to respond.

 

As to the file referral fee, its not legal... see below from the OFT debt collection guidelines.

Charging for debt collection

2.9 Charges should not be levied unfairly.

2.10 Examples of unfair practices are as follows:

 

d. applying unreasonable charges, for example, charges not based on actual

and necessary costs

 

e. applying charges which are disproportionate to the main debt.

 

So if you wanted to remind them of this point you could :-D

 

S.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...