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    • Hi i have attachd photos and the letter also there are 18 questions   1.Do you uderstand the caution? "you do not have to say(or write), anything, but it may harm your defence if you do not mention, when questioned, something which you later rely on in court, anyrthing you do say may be given in evidence.   2. please sate your full name and address   what is your occupation and how long have you held this position.   what is the name of your employer the company you own?   3. please give your full account of how waste that contained correspondence addressed to you was found to be fly tipped material depositiied it then shows a map.   4. did you produce the controlled waste, shown in KM2 - KM6 below, deposited on the named road.   KM2 I have never seen before in my life KM3 is not a clear picture i cannot say i recognise or dont recognise these objects.   5. if not, do you no who produced the waste shown in photographs KM2 - KM6 depositied ---- if so please state there name and address.     6. did you deposit the waste, shown in photographs.   7. if the awnser is yes to question 6, please state why and the date you depositied the waste.   8.if the awnser was yes to question 6, did you ask permission to deposit the waste there? if so please give details of person or company.   9. if you did not depsoit the waste shown in photographs KM2 - KM6, depositied (name of road) do you know who did? please state name, address.   10. have you organised or paid to have any waste removed?   11. if the awnser to question 10 is yes, do you recognise any of this waste in photographs KM2 - KM6 pkease state photograph numbers.   12. if you asked or employed a third party to remove or organise and manage removal of waste, please state details name address etc. as well as a written agreement.   13. if you trannsgerred waste to a third party please state on what date, how i found the individuals and when i contacted them.   14. if you did employ or ask someone to remove the waste produced by you, did you check to see if they were a licensed waste carrier with the enviroment agency.   15. if you transferred waste to a third party describe the vechile used to transport the waste away.   16 uf you transferred waste to a third party please describe the persons involved.   17. did you do everything you now believe to be reasonable actions in the circumstances to make sure that any waste produced by you was transferred to a authorised person or registered waste carrier? please list actions taken, what else could you have done to check?   18. is there anything else you wish to add.     I have trid to upload files direct to this website but it said error 200   https://docdro.id/gnI3oBJ   https://docdro.id/BsMEPgn   https://docdro.id/i70Eu9U   https://docdro.id/gOhhUVe   Sorry i pressed something my keyboard and it sent
    • Thank you for that. I can't see any photos though, maybe you're working on that.   HB
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Going Down

Negotiating redemption with Mortgage Express

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This isn't for me, but a friend I know has some buy to let mortgages with Mortgage Express. Someone has told her that Mortgage Express are prepared to accept a lower figure to redeem the mortgage and get it off the books.

 

Apparently she can't remortgage as she borrowed 85% and the house price is still about the same as it was but other lenders will only lend 75%. She can comfortably afford the payments now but is worried that when the interest rates go up, she wont be able to and wants a fixed rate.

 

Anyone had any experiance in negotiating a reduced balance or is it a myth?


“Bankruptcy is a legal proceeding in which you put your money in your pants pocket and give your coat to your creditors” - Joey Adams :D

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I seem to remember, there being an offer that ends at July end whereby they waive redemption charges. So, you would repay exactly what you borrowed + a little for the legal folk. I saw it and binned it 'cos I could not afford to redeem my mortgage and another deal was not on the plate.

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Cheers for that. She spoke to Mortgage Express and the deal to remove penalties ended last month and doesn't apply anyway as the mortgages are out of penalty anyway.


“Bankruptcy is a legal proceeding in which you put your money in your pants pocket and give your coat to your creditors” - Joey Adams :D

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Well, let's not worry for tomorrow. We will just end up messing today. ME are not in my good books anyway. Never were. Bunch of incompetent, arrogant, miserably under-trained and disorganised bhunch.

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I seem to remember, there being an offer that ends at July end whereby they waive redemption charges. So, you would repay exactly what you borrowed + a little for the legal folk. I saw it and binned it 'cos I could not afford to redeem my mortgage and another deal was not on the plate.

 

Hi

 

I remeber that letter too & I agree with the end of July bit I'm gonna try & find mine if I do I'll post back on here & let ya know so that you can tell me if ya want me get it to ya k?

 

ps can any interested parties where ME are concerned also please see this

 

http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/209991-calling-all-mortgage-express.html

 

ta!

 

edit - found the letter the expiry was June 30th 2009, sorry about that

 

(when I first read it I thought 'I wish we could' & made a mental note of July just in case our situation changed....)

Edited by dehowletts
incorrect info

what goes around comes around

EVERY cloud does have a silver lining you just have to look really REALLY hard sometimes..

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