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    • Coverage.   SMETS 1 use a mobile network   SMETS 2  use a Government network, which where not suppose to know about 🤣🤣🤣🤣🤣   https://www.smartme.co.uk/technical.html   As posted early on, if you have a smart meter installed make sure its SMETS 2     .....................
    • So it looks like a long trip to court is going to happen, I'm going to write out my defence, I've taken some legal advice and they said to ensure it is short and simple, with any evidence easily referenced and found for the judge.    So the basis of my defence is going to be:   Trespass and who can take me to court over it as per the comment above lack of visible signage and confusing signage about what part of the car park is owned by who, especially as it was at midnight Time taken to contact me after the offence was too long Grace period not given of 10 minutes Previous court cases of the same firm losing because of similar reasons   As the court location cannot be changed and I need to make a long travel to get there, plus all of the time wasted putting my defence together, if I am lucky enough to win, can I claim costs for the inconvenience? for example like this case: https://www.theguardian.com/money/2017/aug/26/parking-eye-takes-on-top-barrister-85-fine
    • I intend going back and getting photos DX, simply because I can't believe that I never saw ANY signs and even missed the machine to pay at.  Like I said I've frequented this place many times in the past few years so I think I would have noticed something different, unless I'm going senile  The times on the letter are a bit strange, the entry time was dead on x hr and xx mins but no seconds, whereas the exit was x hr, xx mins and xx seconds. I don't really want to go through the appeals process online, confirming all my details in the hope they will show the photos, just the cynic in me coming out 
    • Hi and thanks for the info.  Update: today received the SAR info - great you might think.    Just a waste of paper: screen prints, NO bills, NO data sheets from the meters, just copy letters of my complaints and their "we need more time" letters.  But wait, there is a disc. For disc you have to install Nero Secure Disk Viewer - use the password sent in separate letter - only to find recordings of misc phone calls by me over last couple of years.  Doesn't give any information to me whatsoever regarding this alleged debt.  Hopeless. Why it took so long to produce a package of worthless information I don't know.    Observations I did make was a sudden change from being Miss to Mrs on the screen prints, (not applicable) and something in the  "contact owner" heading/column, which may be a salesperson as I am not Hannah Leach, and I did not request a Hitachi product financed through BM financial in 2010.  (BG tabs for that page: Edit, Delete, or CLONE.)
    • Hi Cheshire and welcome to CAG   As the work was completed and paid for, it's down to the customer to take action against you if they remain unhappy and that could include court action.   Your only problem sounds like the failure to say in writing in your Estimate that "the colour match and finish would match as close as poss but you were working from photos so you cannot guarantee this aspect".   Learn from this and include any agreements, terms, disclaimer, etc in your written Estimate.   1. What was the approx value of the work done ?   2. What would the remedial work cost you including travel, material and labour ?   Even if you visited and redid work, who's to say the customer would then be happy after the friend got involved.
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maverick18

Calling all commercial first customers re: repossession HELP NEEDED

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Calling all commercial first customers re: repossession HELP NEEDED

 

May i firstly apologise for the length of this post however, when you read the same i hope you will understand that it is required.

 

In February 2008, my property was repossessed by Commercial First. During this time I had suffered sever health problems and was under the care of a mental health team, which to date it still the case. After repossession I did not have any will left to live, let alone keeping an eye on the development of my repossessed property.

 

Some months after the repossession i received a court order advising of what exactly they were claiming for including excessive solicitors fees and an early repayment fee of over £50,000.00. After being completely devestaed by this and knowing that if i didnt try to resolve this matter my life would be furthermore in ruins. It is then that i made steps to buy back the premises. Without going into further detail i did manage to re-secure the property in November 2008 despite the process starting in June 2008.

 

However, during this time the property had been broken into on at least 6 occassions that i am aware of to date. The amount of vandalism was tremendous and would you be suprised to hear that they are not admitting any responsibility for this. Tens of thousands of pounds worth of damage had been done, items stolen, sever damp caused by neglect. I have over the past 12 months been making complaints about this to the company you refuse to respond to my correspondence in full and will not take this matter any further. Whilst I have been investigating the matter I have found several areas in which they have been at fault and have been advised I have a very strong case against them.

 

I am looking for any other commercial first customers who can advise of any dealing they have had with the company. I have a list of complaints as long as your arm and still they fight it. I am 26 years of age and due to the stress of this situation i feel way beyond my years. Although I am just one person I feel that this is a matter that needs to be persued not only for myself but everyone who has ever been or will be in this situation.

 

I would be grateful for any input or advice that anyone can provide. Please do not hesitate to get in touch.

 

Again, apologies for the length of this post but I have only just skimmed the surface.

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Hi there, while the property was in their possession it should have been covered by their insurance and therefore their responsibility to put things right.

 

Is this a commercial property?


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that is the exact issue i have been trying to stress for 12 months but are still refusing to deal with it. it is part commercial and part residential. I sent them 100 photographs of defects. i have been doing my own investigations and have found numerous discrepencies

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Perhaps you should now send them a Letter Before Action - giving them 7 or 14 days to respond positively before you issue a claim in the county court.


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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hello, I just wanted to say that I had my property repossessed by these people on 8 December 2009. I identify exactly with your opening experiences and personal damage: I fear for what is yet to come for me. My property was also my home.

 

You have my thoughts.

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Hi we are in the process of dealing with this company, we have sent letters of complaint and the internal investigation procedures are a joke! we had our property repossessed in April 2008 it was our business and our home. 9 months later the property was subject to an arson attack and they are still trying to claim the full amount + extremely unreasonable charges off of us. we would be interested in getting in contact as two heads are better than one!

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Are you a Commercial First Customer? If so, it is more than likely that you have possibly been miss-sold your mortgage, over charged and generally misstreated by this company.

 

I am looking for customers to come forward so we can actually see this company brought to justice so if you are a customer of theirs at present or have been in the past please please get in touch as action is being taken and the more people that group together the harder the company will fall.

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Hi there

I would be interested to know if you have already taken action re commercial first i have good evidence my mortgage was missold and that even though the broker has gone bust there is still redress .i have been misstreated by this company and the Fsa are looking at them as well as my local county court ..i am in litigation with them too .Please get in touch

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Hi we are in the process of dealing with this company, we have sent letters of complaint and the internal investigation procedures are a joke! we had our property repossessed in April 2008 it was our business and our home. 9 months later the property was subject to an arson attack and they are still trying to claim the full amount + extremely unreasonable charges off of us. we would be interested in getting in contact as two heads are better than one!
the situation that maverick is in is identical to mine I've rang them several times an they just say we're looking into it.

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Calling all commercial first customers re: repossession HELP NEEDED

 

May i firstly apologise for the length of this post however, when you read the same i hope you will understand that it is required.

 

In February 2008, my property was repossessed by Commercial First. During this time I had suffered sever health problems and was under the care of a mental health team, which to date it still the case. After repossession I did not have any will left to live, let alone keeping an eye on the development of my repossessed property.

 

Some months after the repossession i received a court order advising of what exactly they were claiming for including excessive solicitors fees and an early repayment fee of over £50,000.00. After being completely devestaed by this and knowing that if i didnt try to resolve this matter my life would be furthermore in ruins. It is then that i made steps to buy back the premises. Without going into further detail i did manage to re-secure the property in November 2008 despite the process starting in June 2008.

 

However, during this time the property had been broken into on at least 6 occassions that i am aware of to date. The amount of vandalism was tremendous and would you be suprised to hear that they are not admitting any responsibility for this. Tens of thousands of pounds worth of damage had been done, items stolen, sever damp caused by neglect. I have over the past 12 months been making complaints about this to the company you refuse to respond to my correspondence in full and will not take this matter any further. Whilst I have been investigating the matter I have found several areas in which they have been at fault and have been advised I have a very strong case against them.

 

I am looking for any other commercial first customers who can advise of any dealing they have had with the company. I have a list of complaints as long as your arm and still they fight it. I am 26 years of age and due to the stress of this situation i feel way beyond my years. Although I am just one person I feel that this is a matter that needs to be persued not only for myself but everyone who has ever been or will be in this situation.

 

I would be grateful for any input or advice that anyone can provide. Please do not hesitate to get in touch.

 

Again, apologies for the length of this post but I have only just skimmed the surface.

 

I'm shocked that your on the same situation as Me, we feel it's an inside job to ruin people's lives. I hope one day this company losses everything

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Hi there

I would be interested to know if you have already taken action re commercial first i have good evidence my mortgage was missold and that even though the broker has gone bust there is still redress .i have been misstreated by this company and the Fsa are looking at them as well as my local county court ..i am in litigation with them too .Please get in touch

I am in the same situation as maverick18 too my property was repossed and then after making a lumpsum payment I got the keys back only to find the property was stripped of all electrics copper pipes, so it had become inhabitable and not rentable after speaking with commercial first to sort out the repairs they dragged me along for Approx 9 months to tell me that it's not their problem although I have been making payments for insurance at my expense, beause I have not been able to repair the property and generate an income I have fallen back into arrears with them they took me to court to repossess again unless I make another huge payment, I'm beginning to think they sent someone on the inside to break in to my property so they can cash in and make a nice profit. The Fsa have been informed of the practices I offered to make payments which were agreed by commercial first they took the payment and told me they would stop action with courts only the next day I received a repossesion order. I am also a victim of rip off charges professionalism in this company is absent this company are modern day mafia and thieves I hope they rot in hell.

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Originally Posted by racyfilly:

Hi there

I would be interested to know if you have already taken action re commercial first i have good evidence my mortgage was missold and that even though the broker has gone bust there is still redress .i have been misstreated by this company and the Fsa are looking at them as well as my local county court ..i am in litigation with them too .Please get in touch

I am in the same situation as maverick18 too my property was repossed and then after making a lumpsum payment I got the keys back only to find the property was stripped of all electrics copper pipes, so it had become inhabitable and not rentable after speaking with commercial first to sort out the repairs they dragged me along for Approx 9 months to tell me that it's not their problem although I have been making payments for insurance at my expense, beause I have not been able to repair the property and generate an income I have fallen back into arrears with them they took me to court to repossess again unless I make another huge payment, I'm beginning to think they sent someone on the inside to break in to my property so they can cash in and make a nice profit. The Fsa have been informed of the practices I offered to make payments which were agreed by commercial first they took the payment and told me they would stop action with courts only the next day I received a repossesion order. I am also a victim of rip off charges professionalism in this company is absent this company are modern day mafia and thieves I hope they rot in hell.

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