Jump to content


  • Tweets

  • Posts

    • You haven't returned to the thread to give us your views, but a couple of other things strike me which you should consider: 1. You say that at no time was your father's licence revoked by the DVLA. It didn't have to be revoked. It expired in September and his "entitlement to drive" (of which the licence provides proof) expired along with it. He could only continue driving whilst his application was being processed by virtue of s88, and it seems clear to me (based on what you have said) that he was not able to take advantage of the benefits provided by that section. 2. The letter he received threatening to revoke his licence was probably a template letter sent when any medical issues are brought to the attention of the DVLA. But it is clear that beyond September until it was eventually renewed, your father had no valid licence to be revoked. I believe a "not guilty" plea in court will fail. The basic facts are that your father's licence expired in September, it was not renewed until February because the DVLA were looking into his medical declaration and he could not take advantage of s88. So in December he had no licence and no entitlement to drive under s88. The facts that he believed he was fit to drive and that his licence was eventually renewed may mitigate the offence but they do not provide a defence. I also asked whether he had received a summons (very unusual these days) or whether he had received a "Single Justice Procedure Notice". The way to proceed from here differs slightly depending on what he has received so if you let me know, I'll advise further.  
    • Well, what I've read from various sources suggest if a CCJ is 6 years old that if becomes pretty much ineffective for enforcement purposes in its original form.  And that if it's about to expire then the claimant needs to apply to the court to extend the original CCJ within the final year.  Even if they do apply for an extension within the 6 years they have to have a very strong argument for doing so such as the person being out of the country or could not be traced, basically show they were actively still perusing the debt I guess. Now if a claimant ever does apply within the 6 years to extend the CCJ, would the person named on if be notified by the court that such an application has been made?.  In my case I've heard nothing from the court so assume no such application has been made.  The original CCJ in my own case is now a year beyond the 6 years of issue so must now make things even less likely again. So whilst the CCJ exists that they have not enforced it in that time must surely make it unlikely they can now take it back to court because as said it would be very rare for a judge to agree to such action now. That said, I guess they now can't use the CCJ to continue with any action for an attachment order to our mortgage either?
    • Donald Trump now banned from countries including Canada and UK as convicted felon WWW.INDEPENDENT.CO.UK There are 37 countries that bar felons from entering, even to visit.  
    • Well, they trashed their last election manifesto pledges, so nothing new really is it? They just find weasel words to try to claim they haven't actually failed if you just look at it just a little squinted and in this particular way  - and are stupid.
    • I think they're inventing stuff now. They seem to know they won't be around to implement any of it.
  • 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

Unfair terms in Mortgage Contracts?


johndeevoy
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3300 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'll try and keep this brief. Basically, my mum went into arrears on her mortgage payments (interest only) because her income support was stopped. It was a very complex legal matter which took over a year to resolve but finally she won and her benefits (including the mortgage interest) were backdated.

 

In the meantime, my mum had notified her lender of the legal appeal against the benefit decision and offered a reduced monthly payment until the matter was resolved. This meant that the mortgage account would be in arrears until such time. This was agreed but my mum was still struggling financially resulting in her making a payment ONE DAY LATE.

 

Her lender took her to Court for repossession over this 'breach of the payment agreement'. The Master hearing the case expressed his disgust at their actions but said that his hands were tied in respect of making an Order as there were arrears he could not dismiss the application. The Order for repossession was granted but stayed on the basis that my mum was to continue with the payments as per the terms already agreed with the lender (the terms that she breached by only one day in respect of a payment of 30 pounds). The Master recommended that my mum pursue a complaint to the Financial Ombudsman.

 

My mums lender then added over 1,000 pounds in legal and 'administration' costs (including two 'admin' costs of 129 pounds each) to her mortgage account over these Court proceedings. The actual Court Order is silent on the issue of costs.

 

I have since found out that the legal position is that a mortgage lender is entitled to these costs under the terms of all mortgage contracts which state the borrower will pay 'any costs or expenses whatsoever incurred' by the lender in respect of acting to secure their sureity on the property. Recent legal texts also advise that the lender does not need to specifically apply for costs nor costs specifically awarded by the Court as the lender is entitled under said contractual provision.

 

I am also advised that the Unfair Terms in Consumer Contracts 1999 do not apply to mortage contracts and that there are no specific similar Regulations that do apply to mortgage contracts.

 

Essentially, mortgage lenders can take you to Court if you enter into any arrears whatsoever and can then charge you (based on their standard contractual small print) the legal fees incurred and alarmingly high 'adminstrative costs' no matter how unfair or unreasonable their legal action e.g. payment missed by one day.

 

While legally there seems to be no recourse for this based on contract law or based on the issue of 'legal costs following the event', but can anyone point me to any other regulations or guidelines that the lender may have broken by acting in such an unreasonable manner? I wish to challenge the lenders actions here or even challenge the 'all costs whatsoever' clause.

Link to post
Share on other sites

  • 2 weeks later...

I am also advised that the Unfair Terms in Consumer Contracts 1999 do not apply to mortage contracts and that there are no specific similar Regulations that do apply to mortgage contracts.

 

Where did you get that information from?

 

I'm no expert but I thought they would be?

Link to post
Share on other sites

I represented my mother in a small claim against her mortgage provider in relation to the fees that they added to her account. I intended to use the Unfair Terms regulations to hammer that provision in the mortgage contract that says 'all expenses whatsoever incurred' but the solicitor for the other side said that the Unfair Terms in Consumer Contracts do not apply to mortgage contracts. I would have questioned him why he thinks that but the Judge agreed with him. I didn't want to start questioning the Judge. The Judge was sympathetic to our case, even going as far as to say that he has tried every angle to assist us as he did not think that what the provider did was morally correct but that, in law, they are contractually entitled to their costs.

 

I mean, surely someone has to govern what mortgage providers put in the small print of their contracts? Or can they just put whatever they like in there and if you dont like it you can just rent forever....

Link to post
Share on other sites

  • 5 years later...

I am not quite sure which section to post this in so admin can move it if it should belong somewhere else.

 

I own a residential property with a small mortgage on it of around 18k. Myself and my partner wish to buy a new home for us to live in and let out the existing property. I have one default on my credit file which I am currently fighting to have removed (legal proceedings issued).

 

After receiving a rejection from an online mortgage provider due to "adverse credit" I went to my local bank who I have banked with for over 20 years to explain the situation, I need two mortgage products, a buy-to-let for my existing property of around 25k to release 7k to go towards a deposit on the new home, a joint residential mortgage for my partner and I.

 

The bank phoned me today and said that it was not possible for me to release equity from an existing property to be used as a deposit on a new home. I queried this saying that I never heard anything like this and asked if I could release equity for a deposit on another buy-to-let and they said YES.

 

I really do not understand their stance and I would welcome advise from CAG members - is this standard practise or is someone at my bank clueless? I really do not see why they would allow equity release to go towards a BTL but not a new home.

 

Also, because my mortgage on the existing home is so low at 18k, I NEED to take some equity out for a re-mortgage as most providers will not provide a mortgage for under 25k. I feel stuck at present - any advice most welcome.

Link to post
Share on other sites

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...