Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • look up on land registry who owns the property then get in contact with your local environmental heath dept.   dx  
    • Hello all,   I have recently moved into a new property. The bedroom window is facing a bunch of commercial crates which have trash on top of them. The trash is maybe two metres away from the window, making it impossible for the window to be open (I am also afraid of rats being there).   The other windows of the property are facing a communal, enclosed area, which is making it difficult for the property to be properly ventilated. I have already raised this issue with my estate agency and they are trying do to something about it (to be honest, if I leave everything to them, this issue won't be solved until my tenancy is finished, and that is more than one year away).   I am asking for advice, or how could I approach this issue.   I have spoken to my council and, since they do not deal in private property, there is nothing they can do, at least this is what they have told me.   The property with the trash is not owned by my landlord. It is an open space, with big crates, closed off by a fence. If I could, I would climb those crates and remove the trash myself but I cannot. I also cannot climb out the window to reach the trash, as the window is too small.   At times, I see a car in that property but I have never seen the driver. I left a note in the car's window explaining the issue and giving my number. This was around a week ago and nobody came back to me.   
    • Hi   First off ALL Tenants need to re report all the different repairs again via their repairs procedure. Yes its good to get a list of all properties repairs with photo/video evidence signed by all property tenants but you all need to fight this individually as well as a group.   Next you all need to look up your rights on Repair i.e. The Right to Repair Scheme and also their Complaints Procedure.   http://www.legislation.gov.uk/uksi/1994/133/made   https://england.shelter.org.uk/housing_advice/repairs/right_to_repair_for_council_tenants   All Tenants need to take control back with these repair and ask in writing titling any letter 'FORMAL COMPLAINT' and stating the repair and why it hasn't been carried out to date and an exact date when it will be completed.   You also require clarification whether these Repairs come under the Right to Repair Scheme and if so why we were never informed of this. (delete or amend)   You also require copies of the following:   Right to Repair Scheme Policy (Not the Leaflet Repair and Maintenance Policy (Not the Leaflet) Solar Panel Policy (Not the Leaflet) Complaints Policy (Not the Leaflet) Equality & Diversity Policy (Not the Leaflet) When you get the above policies you need to take your time reading them and just think to yourself 'DID THEY DO THAT' in relation to your issue and if not mark it this way you build a list of what they haven't done/followed as per there own Policies and use it against them.   They will have time limits to complete repairs within for Emergency, Urgent, Routine repairs and if they exceed that time limit and need to extend it remember it is with you the tenants agreement not them telling you and tough you can wait.   (bear in mind any repairs during COVID-19 the time limits are now different and most routine repairs are stopped)  
    • I was on UC in late March, and recently received some quite non-committal message that the commitments would be returning, but no indication when.     If I remember correctly the expectation was that we could find at least one job per day to which to apply, or some such nonsense.   Given that the government can only guess how many workplaces will be safe :  1) to commute to/from at the time of job application; 2) to work in at the time of job application;    3) to commute to/from at the date of starting a job ; 4) to work in at the date of starting a job,  5) to commute to/from at the date permanent WFH is dropped; 6) to work in at the date permanent WFH is dropped,    and given that we have lost 20% of our economy, I fail to see how they can both reasonably and immediately mandate any minimum figure of jobs we must apply for whilst this virus just killed over 135 people in the UK (stats released today).  That is only down from 155 last week, and about 175 a fortnight back.   At this rate it will be another 7 weeks MINIMUM before the mortality rate is zero - if it ever reaches zero before the inevitable second wave.  
    • who has sent this 'letter of claim' come from and doe sit mention the pre action protocol and include a separate response pack? 
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 12 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
londonrabbit

Strange situation with bank loan - advice needed

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4042 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

Recommended Posts

Hi

I'm new to this site and would really welcome some advice. My situation is rather complicated. I took out a loan in 1999 for a two year postgraduate course with a High Street bank, who at the time I also had a current account with. They set up a standing order to start the repayments after I finished my course. I paid them for a couple of years, and then one month my payment bounced as I didn't have enough in my current account. I then realised that they didn't seem to have noticed that the loan account was a month behind with payment, so I cancelled the standing order and waited to see what would happen. At the time I was very badly off and couldn't afford the repayments and to be honest I can't now either. The bank never noticed that I had stopped repaying the loan! They have carried on sending me statements and interest continued to be added (at a relatively low rate) but that was it. I did receive one automated letter two years ago that said they had noticed I hadn't made a payment to my account for a while - like the kind you receive if you have to fund your account to keep an overdraft. I made a small payment as I was worried but I heard nothing further.

I no longer use the current account with them and the loan has never appeared on my credit checking file. I have a copy of the credit agreement but something has clearly gone wrong in their systems. The whole thing is very odd.

Is it worth me writing to them asking for the agreement etc? Having read some of the info here, even if they don't have it, the agreement is still enforceable is that right? Sorry for the long post. I now owe them £15,000.

Share this post


Link to post
Share on other sites

It depends on you, if you leave it alone they may eventually notice, if you remind them then they will notice

 

if you had not made the payment 2 years ago then it would have been statute barred by now and they could not collect on it anyway


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

Share this post


Link to post
Share on other sites

Hi,

As PGH has pointed out they might notice this soon enough nd take action as they did with me.

I had a loan, I did not cancel the DD that paid the loan I just stopped servicing the account.

After this I only received letters about not paying funds into the current account, no mention of the outstanding loan repayments, I never received a default notice either. I think there were 4 months remaining to pay when I stopped using the account.

A couple of years passed, I then received a county court claim and soon discovered they had amalgamated the outstanding loan repayment with the overdraft in their claim. When I defended this claim they said that a default notice was issued.(Oh yep, course it was)

So basically they didn't bother trying to collect the outstanding loan until they issued the claim for the overdraft.

 

On your statements received since the cancelled SO is there any mention of the loan?

If you want to act on this at all it might be the best idea to do a full SAR and see what that turns up before doing anything else.

Edited by questioning

For attractive lips, speak words of kindness. For lovely eyes, seek out the good in people. For a slim figure, share your food with the hungry. For poise, walk with the knowledge that you never walk alone. People, even more than things, have to be restored, renewed, revived, reclaimed, and redeemed; never throw out anyone. Remember, if you ever need a helping hand, you will find one at the end of each of your arms. As you grow older, you will discover that you have two hands; one for helping yourself, and the other for helping others. :)

Share this post


Link to post
Share on other sites

They still send me statements for the loan account. They just don't seem to notice that I haven't paid anything on it. I thought the Limitation Act didn't apply because of the fact they are still sending statements, but in fact I have to acknowledge the debt is that right?

Thanks

Share this post


Link to post
Share on other sites

you have to acknowledge the debt either by a written admission or by making a payment


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

Share this post


Link to post
Share on other sites

Ah ok. I've made a bit of a mistake there then. I'm tempted to leave it and see what happens, or is that a very bad idea? Only problem is, it will carry on piling on the interest, and once it hits the "limit" of what the bank seems to see as an overdraft, I may be in trouble.

Share this post


Link to post
Share on other sites

Sounds like your in trouble now so another few months / years of interest wont make much difference.

 

It really is a choice of alert them now or wait, which at the end of the day only you can decide


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

Share this post


Link to post
Share on other sites

I reckon they will notice before the limitation period is up so I will probably write to them. I can scrape a monthly repayment together if I have to.

I still am not sure about whether a loan is unenforceable if they can't provide the loan agreement though? Some things I read say that's the case, others disagree.

thanks for your patience....

Share this post


Link to post
Share on other sites

it all depends on what the agreement if there is one comprises of.


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

Share this post


Link to post
Share on other sites

Hi,

Your situation is similar to mine then, I wasn't quite sure if reference to the loan was still appearing on your statements.

The loan showed on my statements too, but the bank never tried to collect it. Two years or so passed and then they lumped the OD with the loan in their court claim.

 

A good place to visit would be the legal success forum, DCA Legal Successes - The Consumer Forums

Here you can read about ways to defend the absence of an agreement along with the cases where the agreement is not enforceable.

There could also be issues with a default notice, there's shed loads of info on cag, it just takes a long while to read and understand the issues.

This is a good thread to look at too, if you haven't already....http://www.consumeractiongroup.co.uk/forum/general/103383-agreement-enforceability.html


For attractive lips, speak words of kindness. For lovely eyes, seek out the good in people. For a slim figure, share your food with the hungry. For poise, walk with the knowledge that you never walk alone. People, even more than things, have to be restored, renewed, revived, reclaimed, and redeemed; never throw out anyone. Remember, if you ever need a helping hand, you will find one at the end of each of your arms. As you grow older, you will discover that you have two hands; one for helping yourself, and the other for helping others. :)

Share this post


Link to post
Share on other sites

What was the outcome of your situation Questioning?

I think my agreement (I still have a copy) has been set out properly. What I can't get my head round is whether it matters if they can provide a proper copy of the original signed agreement or not. I really don't know what to do. And if it is timed out because of limitation issues (if I leave it as it is and don't pay any more) would my credit rating be completely messed up?

Share this post


Link to post
Share on other sites
What was the outcome of your situation Questioning?

I think my agreement (I still have a copy) has been set out properly. What I can't get my head round is whether it matters if they can provide a proper copy of the original signed agreement or not.Yes it is that which makes all the difference, very basically, If they don't have the CCA they cannot enforce the debt in court. Not having one is a bargaining point also. I really don't know what to do.you need to read on the forum, read up about defaults and default removal too, and the need for a default notice. you will then become knowledgeable on aspects of consumer credit law etc. so that you can make your own informed decision. And if it is timed out because of limitation issues (if I leave it as it is and don't pay any more) would my credit rating be completely messed up?

 

Hi,

You really need to read the links I gave you as they will reveal loads of info. have a look at the legal forum as well as the legal successes which I linked you to.

An example, If they did not have a CCA you would then be in a position to refuse to pay anything or offer a very small amount as a full and final settlement, along with removal of any marks on your credit file, if in fact they have marked it. You said they had not marked your credit file yet.

 

The best advice I can offer is to read and read the forum, once you have knowledge you have power.

With out the knowledge you are vulnerable.

 

The outcome for me was that after a couple of years of the odd letter from bank saying please pay Overdraft and no mention ever of the loan the bank issued a court claim.

I defended and they did not respond to my defence so the claim was stayed and has been for 10ish months.

 

Hope this helps, and I hope you understand why I emphasise the need to read the forum to educate yourself with these matters.

I found the forum last year in April and at that point I didn't even know what the CCA was. I have learnt shed-loads, If I can then anyone can.

Cheers Q.x.x

Edited by questioning

For attractive lips, speak words of kindness. For lovely eyes, seek out the good in people. For a slim figure, share your food with the hungry. For poise, walk with the knowledge that you never walk alone. People, even more than things, have to be restored, renewed, revived, reclaimed, and redeemed; never throw out anyone. Remember, if you ever need a helping hand, you will find one at the end of each of your arms. As you grow older, you will discover that you have two hands; one for helping yourself, and the other for helping others. :)

Share this post


Link to post
Share on other sites

Ok, thanks a lot to both of you. I have read up a fair amount but still found it a bit confusing and also believed (wrongly as it turns out!) that my situation was unique, as most people who challenge the legality of their agreements seem to being chased for payment, whereas I have been able to bury my head a bit.

Share this post


Link to post
Share on other sites

Hi,

If you decide to leave it and carry on as you have been you could always keep researching so that if they make a move you'll be better informed as how to deal with it.

There's no telling if they will start to collect, there are cases where they make a move just before it becomes stat barred and also cases where they try and collect even though it is stat barred. If you arm yourself with all the info then you will in a position to fight.


For attractive lips, speak words of kindness. For lovely eyes, seek out the good in people. For a slim figure, share your food with the hungry. For poise, walk with the knowledge that you never walk alone. People, even more than things, have to be restored, renewed, revived, reclaimed, and redeemed; never throw out anyone. Remember, if you ever need a helping hand, you will find one at the end of each of your arms. As you grow older, you will discover that you have two hands; one for helping yourself, and the other for helping others. :)

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...