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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
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      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.

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Genesco V Kensington


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I am considering reclaiming my Early Repayment Charge back £9000+ I have recently changed my mortgage because I was on an discounted rate for a year but then went up to an extortionate 9% It was a three year interest only contract and I swopped at 18months.

 

Has anyone got a sample letter I can see or what do you have to change on the standard DPA letter. I already have how much my redemption fee was.

 

What else can I claim for.

 

ON my final statement I had to pay

Redemption Fee

Early Repayment Charge

 

My start balance was £161.697

What I paid back was £171.518

 

I only went with them cause I had bad Credit.

Can anyone help

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Hi Genesco

 

Have you had any luck with these questions? I am interested to know about reclaiming an early redemption from the same lender!

Dinahjl :grin:

HSBC - 2 Accounts - owe us £5.8K

10 Aug offer received of 50% owed on smaller account. We Replied and REJECTED offer

11 Aug 2nd offer made on same account - £500 higher! REJECTED AGAIN

18 AugMoneyclaim submitted for £3848 on main account. ACKNOWLEDGED 23 Aug.

30 Aug Moneclaim prepared for 2nd acc £2389.56

9 Sept RECEIVED OFFER IN FULL SETTLEMENT OF £6134.30:-D :-D :-D

 

If you have found my advice or comments helpful - please rate them by using the scales above. THANK YOU:)

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Hi,

 

If the charges are made in relation to your breach of contract, ie ending the mortgage before the contractualy agrred time, then Kensington will have to show that the fees are a genuine pre-estimate of the their loss. It doesn't really matter what they call the charge.

 

I used an adaptation of the template:

 

ACCOUNT NUMBER: XXXX

 

Request for repayment of charges

 

Dear XXXX,

 

 

Our request

 

We are writing to ask you to refund the charges which you have levied from our account in respect of late payment fees to the sum of £XXX , the sum of £XXX representing the contractual rate of interest applied by yourselves in respect of the said charges (Please find enclosed schedule of charges detailing dates, amounts and interest) and xxx in respect of a redemption fee. We now understand that such fees are unlawful at Common Law, Statute and recent consumer Regulations.

In the case of Castaneda and Others v. Clydebank Engineering and Shipbuilding Co., Ltd. (1904) 12 SLT 498 the House of Lords held that a contractual party can only recover damages for actual or liquidated losses incurred from a breach of contract as oppose to a charge which represents a penalty. This law was confirmed and upheld in Dunlop Pneumatic Tyre Co Ltd v New Garage and Motor Co Ltd [1915] AC 79. A charge will be held to be a penalty if the sum stipulated for is extravagant and unconscionable in amount in comparison to the greatest loss that could conceivably be proved to have followed from the breach. A penalty clause is void in its entirety and unenforceable.

 

In addition your charges appear to represent an unfair term of contract which is contrary to the Unfair Terms in Consumer Contracts Regulations 1999 (SI. 1999/2083). Our account falls within the ambit of Regulation 5 of the Unfair Terms in Consumer Contracts Regulations 1999 as we are consumers. Your charges constitute an unfair penalty under Schedule 2 of the said Regulations which provide an indicative and non-exhaustive list of terms which may be regarded as unfair. Under paragraph 1(e) of schedule 2 this specifically includes terms which have the object of requiring any consumer who fails his obligation to pay a disproportionately high sum in compensation.

 

Also it has now been confirmed that your penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

We believe that the charges you have levied varying between £10.00 and £30.00 for late payment far exceed any true cost to yourself as a result of our breach. If you disagree, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put to as a result of our breaches, in order to reassure us that your charges really do reflect your costs.

 

Your responsibilities

 

We would draw your attention to the terms of the contract which you agreed to at the time that we took out the loan. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

We are frankly shocked that you have operated our account in this way as we had always reposed confidence in your integrity and expertise. We consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived us into agreeing to pay them. Your concealment of the true nature of your charges has prevented us from asserting our rights until now.

 

 

Our targets to resolve this matter

We really hope that this matter can be resolved amicably and without the need for redress to the courts. Thus we are asking that you refund the total charges which have unlawfully been levied on our account. Failure to refund all the money unlawfully taken from us will result in us taking further action. We will give you 14 days to reply accepting, unconditionally, our request in principle and letting us know a date by which we will receive payment. If you do not respond, or you do not respond positively, within this time period, we shall send you a letter before action giving you a further 14 days in which to reflect. We believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

After that, there will be no further communication from me and we shall issue a claim at the expiry of the second deadline. Thus take this letter as 28 days written notice of our intention to issue a court claim should you not comply with my request. I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

Yours faithfully,

XXXX

 

Hope this helps

 

Best of luck

 

Zoot

 

I am assuming you are aware of the implications of claiming over 5,000?

 

 

  • Confused 1
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Hi Zoot,

 

Thanks for the letter - brilliant! I am awaiting the statements and will take great delight in sending it.

 

Re the 5K rule - I know that the redemption charge was more than this alone, and have no idea what the other charges will be yet. If the claim is in excess of £5K can I just claim £5K in settlement? I certainly could not afford to pursue them for the return of the money if it was not in Small Claims.

 

Thanks again,

Dinah

Dinahjl :grin:

HSBC - 2 Accounts - owe us £5.8K

10 Aug offer received of 50% owed on smaller account. We Replied and REJECTED offer

11 Aug 2nd offer made on same account - £500 higher! REJECTED AGAIN

18 AugMoneyclaim submitted for £3848 on main account. ACKNOWLEDGED 23 Aug.

30 Aug Moneclaim prepared for 2nd acc £2389.56

9 Sept RECEIVED OFFER IN FULL SETTLEMENT OF £6134.30:-D :-D :-D

 

If you have found my advice or comments helpful - please rate them by using the scales above. THANK YOU:)

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Hi Dinah

 

You might want to claim your charges separately from the redemption fee. The redemption fee you can not split and it would not make legal sense to pursue a settlement in court. You either have to pursue the full amount or nothing. The charge is either valid or invalid there is no half way house.

 

I see you've got a few claims in the pipeline. You might want to use the payouts to fund the redemption fee.

 

There are some advantages to claiming in the fast track. You can claim legal fees against Kensington if you win so it gives you as much a bargaining tool as it gives them. It might be worth making enquiries into no win no fee arrangements. Also full disclosure is required in the county court which is something the banks seem to want to avoid at all costs.

 

But whatever you decide to do make sure you read up carefully on all the implications. Redemption fees as yet are still relatively untested. There are several claims in the pipeline - you might want to wait and see what happens. Don't forget you have 12 years to make a claim on a mortgage. So don't rush into anything!

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Great advice Zoot, I will put in my claim for unlawful charges now - and when they settle, make sure there is nothing about full and final settlement - to allow me to leave the door open to claim the redemption once I have seen how the other cases progress which are already underway.

 

In the meantime - I'll talk to a local firm about a no-win-no-fee arrangment - I used to work for the Partner, so I am hopeful!

 

Thanks again for the advice - this forum is fantastic!

Dinahjl :grin:

HSBC - 2 Accounts - owe us £5.8K

10 Aug offer received of 50% owed on smaller account. We Replied and REJECTED offer

11 Aug 2nd offer made on same account - £500 higher! REJECTED AGAIN

18 AugMoneyclaim submitted for £3848 on main account. ACKNOWLEDGED 23 Aug.

30 Aug Moneclaim prepared for 2nd acc £2389.56

9 Sept RECEIVED OFFER IN FULL SETTLEMENT OF £6134.30:-D :-D :-D

 

If you have found my advice or comments helpful - please rate them by using the scales above. THANK YOU:)

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Hi Gen

 

Money claim will invoke the same allocation process as occurs when you file a claim in court.

 

Basically if and when the mortgage provider files a defence this raises the allocation processes. The claim will be seen by a district judge who decides which track the claim will go on. There are three tracks: small claims, fast and multi.

 

The guidelines are that claims under 5,000 go to small claims, 5-15,000 go to fast and over 15,000 go to multi. There is some discretion to allow higher claims to go to a different track particularly if it is a consumer issue as the small claims is basically designed to be a consumer court. You can state your preference for the small claims court in your allocation questionnaire, but the judge will also take into account the wishes of the defendant and to be honest as your redemption fee alone is 9,000 I think you would be pretty optimistic in expecting it to be allocated to the small claims.

 

Hope this helps

 

Zoot

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Thanks for the info Zoot, I am wondering if anyone can help with this query I have,

Basically Whilst changing my mortgage my present solicitors saw that my previous solicitors did not do their job properly, they never transfered my then leasehold property into a freehold in my name. So I had a hold up in my mortgage change which would of happened a few months earlier if there was not a hold up. I then had to pay for this to be done again, (I had already payed for it to be done by my previous solicitors) my present solicitors sent a letter to my previous solicitors stating that I would be looking for reimbursment.

After my mortgage had gone through I sent a letter to my previous solicitor but asking for these charges back along with what I paid them to do the job in the first place, but have had no response yet.

Should I take them to court and get what I am owed plus the amount I would have saved on my mortgage had it gone through earlier.

 

Can anyone be of help and is there a forum for this.

Thanking you in advanced

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Hello Genesco,

 

Yes you can make a money claim in the same way you would with the bank charges ie preliminary letter (obviously not the template) giving 28 days notice of court action, followed by LBA after 14 days then money claim.

 

You can also report them to the Law Society and the OSS. If you threaten this in your first letter I would imagine they will be a little more responsive than the banks.

 

Best of luck

 

Zoot

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Hi Genesco,

 

In addition to the money claim, I would suggest you should contact the Law Society, as all conveyancing firms (solicitors or not) are regulated by them.

 

I would think you can lodge an official complaint here - and if you were actually charged by them for the transfer of ownership, and they failed to refund your money having not completed this part of the work, then I would also suggest there accounts should be inspected. You are required by law, to receive a breakdown of the fees charged by solicitors when they act on your behalf and they should therefore pay for the transfer to be carried out, at their expense.

 

In addition, I would think you have a very strong case for some form of compensation and would ask the Law Society to advise on how to proceed in this regard - they are responsible for the actions of their members and should assist you in every way. If you can afford it, I would certainly get some advice before proceeding with a claim as you want to ensure you claim everything you can. Citizens Advice is a good place to start.

 

All just my opinion and experience, but I hope this helps.

Dinahjl :grin:

HSBC - 2 Accounts - owe us £5.8K

10 Aug offer received of 50% owed on smaller account. We Replied and REJECTED offer

11 Aug 2nd offer made on same account - £500 higher! REJECTED AGAIN

18 AugMoneyclaim submitted for £3848 on main account. ACKNOWLEDGED 23 Aug.

30 Aug Moneclaim prepared for 2nd acc £2389.56

9 Sept RECEIVED OFFER IN FULL SETTLEMENT OF £6134.30:-D :-D :-D

 

If you have found my advice or comments helpful - please rate them by using the scales above. THANK YOU:)

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  • 2 weeks later...
  • 2 weeks later...

I have finally plucked up the courage to send of my 1st repayment letter to kensington, I never sent the dpa as I already know how much they owe me, lets see what my reply will be.

 

wondering if anyone can advise me on this;

I am sending out a dpa to First national consumer finance- I am now aware they are called GE Money;

what address should I send my letter to;

and will it affect my new mortgage that I have recently taken out with them.

 

The old finance was through a holiday compay called GVC but i got into a bit of finance trouble and they took me to court to recover all there money and got a order on my house. I have now paid them back all their money, but would like to see if I can get some of the charges they charged me on missed payments back.

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Hi Genesco,

 

A claim for charges against a company with whom your current mortgage is kept may be tricky. Whilst they can not simply close your mortgage down, you may need them to be sympathetic in the future. I'm not sure what GE money are like as regards to general sympathy in times of difficulty. Some lenders show no mercy in any event so its worth taking those on. You might want to do a search on this site for GE money and see how others have faired against them. If you do decide to proceed their address:

 

Sarah Wainwright

Data Protection Administration

GE Money

P O Box 700

Leeds

LS99 2BD

Hope this helps

Zoot

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Hi Genesco,

 

In addition to the money claim, I would suggest you should contact the Law Society, as all conveyancing firms (solicitors or not) are regulated by them.

 

I would think you can lodge an official complaint here - and if you were actually charged by them for the transfer of ownership, and they failed to refund your money having not completed this part of the work, then I would also suggest there accounts should be inspected. You are required by law, to receive a breakdown of the fees charged by solicitors when they act on your behalf and they should therefore pay for the transfer to be carried out, at their expense.

 

In addition, I would think you have a very strong case for some form of compensation and would ask the Law Society to advise on how to proceed in this regard - they are responsible for the actions of their members and should assist you in every way. If you can afford it, I would certainly get some advice before proceeding with a claim as you want to ensure you claim everything you can. Citizens Advice is a good place to start.

 

All just my opinion and experience, but I hope this helps.

 

Hi I have now lodged a complaint with the law society and sent them all my correspondance in and am currently waiting for a caseworker to be assigned to me.

I have also contacted the solicitors in question because not only were they not reponding to my leters they also hadn't paid a fine from the inland revenue which was inccured because they never registered the freehold on time. and I am now be threaterned with recovery of money being actioned.

 

After another phone call to the firm they have now sent me a cheque for the amount witch my current solicitors charged but They haven't even offerd me compensation for distress, Shall I still wait to be allocated a caseworker from the law society as the haven't dealt with the inland revenue.

 

Graetful for any advice

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Hi All, I have recieved my first standard letter back from kensington, saying the will give me a full repsonse within 14 days of my letter date.

 

I have finally plucked up the courage to send of my 1st repayment letter to kensington, I never sent the Data Protection Act as I already know how much they owe me, lets see what my reply will be.
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Hi Genesco

 

I to rec'd the standard letter from Kensington - I sent another request & rec'd a similar vague responce. I'm now debating whether to issue court proceedings - I'm keeping an eye on jamorgans thread as a claim was registered against Kensington on 19th Sept. I may wait fo rthe outcome of that. I paid £5,600 to them to get out of my mortgage early - to get that back would make a huge difference.

 

Fingers crossed & good luck.

 

Ellielou

;)

Halifax 1

WON - £1,355.49 21/07/06

MINT

WON - £273.81 14/09/06

First Direct

WON - £913.50 01/09/06

Capital One

WON - £130.13 03/11/06

Halifax 2

WON - £188.03 01/12/06

 

Kensington Mortgages ERC

MCOL for £6,204.39 Discontinued

Halifax Mortgage Admin fee

WON - £10.00

Direct Line Mortgage Redemption Fee

WON - £99.00

Halifax 3

MCOL for £109.01 reg 07/03/07

 

http://petitions.pm.gov.uk/redemptionfees/

Please sign this petition x

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  • 2 weeks later...

Hi All,

Today I recieved another letter from kensington saying:

 

"I have been thoroughly investigating all of the points that you raised.

I want to ensure that I can provide you with a suitable and complete response to your letter. I will therefore need a further seven days to fully research the issues raised."

 

John Bailey.

 

Is this a standard letter or could it be that they are not sure what to do.

Should I give them a further 7 days, or should I send out the LBA.

 

They still have 2 days to respond to my 1st request letter in full.

I never sent out a DPA as I already knew how much I wanted.

 

Any advice would be good.

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Keep to your timetable, dson't let them set it or it'll go on forever! If its time to send LBA then send it!

 

Good luck, Sam

I'm a Foolish person

 

IGroup ERC £1928.64 Ist letter sent 12/9

LBA sent 26/9

Moneyclaim input 13/10

Claim acknowledged 6/11

Received fob off letter 11/11

AQs sent back, IGroup request multitrack and hearing

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Hi Genesco

 

I received the same letter from them last week. This is the 3rd chance I've given them to supply me with figures. The 14th day after the letter will be Thursday 12th Oct. Not sure whether to register the claim after that - I'm after £5,600 and it'll cost me £250 to register. I really can't afford to lose that amount of money or more if they choose to defend. I'm hoping to hear that others have been paid out first.

 

I know I'm just bottling it :rolleyes:

Halifax 1

WON - £1,355.49 21/07/06

MINT

WON - £273.81 14/09/06

First Direct

WON - £913.50 01/09/06

Capital One

WON - £130.13 03/11/06

Halifax 2

WON - £188.03 01/12/06

 

Kensington Mortgages ERC

MCOL for £6,204.39 Discontinued

Halifax Mortgage Admin fee

WON - £10.00

Direct Line Mortgage Redemption Fee

WON - £99.00

Halifax 3

MCOL for £109.01 reg 07/03/07

 

http://petitions.pm.gov.uk/redemptionfees/

Please sign this petition x

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Hi Genesco

 

I received the same letter from them last week. This is the 3rd chance I've given them to supply me with figures. The 14th day after the letter will be Thursday 12th Oct. Not sure whether to register the claim after that - I'm after £5,600 and it'll cost me £250 to register. I really can't afford to lose that amount of money or more if they choose to defend. I'm hoping to hear that others have been paid out first.

 

I know I'm just bottling it :rolleyes:

I would say that you being unable/unwilling to shell out £250 is exactly what they are counting on. Good old Kensington. :roll:

Kensington Mortgages: letter sent 3/10 requesting fee breakdown

Smile bank: letter sent 3/10 requesting fee breakdown

GE Capital: letter sent 3/10 requesting fee breakdown

Kensington Mortgages: first letter re £13k ERC sent 3/10

MBNA: letter sent 3/10 requesting fee breakdown

Morgan Stanley: letter sent 3/10 requesting fee breakdown

 

Those B*stards have got my money & I want it back!!! Now!!!

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