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    • That is a big improvement Dave and I do agree that it s best to leave it till the last moment to prevent VCS from countering your WS. [usually using doubtful logic that can't be easily argued against in a Court atmosphere] However my first post [no. 32] about the contract is the one that really exposes Jake's flummery and calls into  question jost how close he comes to committing perjury. And that is what hopefully VCS will not want questioned by a Judge. 
    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)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; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
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Woolwich mortgage charges . ***WON***


HP Mum
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I was under the impression that if I was paying regularly that they would not send a repo letter. And certainly not for a tiny amount of money compared to the value of the property. Clearly I was wrong.

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They cant just demand you repay your mortgage without good reason and without following procedure. I have attached a guide that might be of value and your thread has been flagged for Ellen. I am sure she will look in as soon as she can.

 

Please keep any communication you receive from the Woolwich in respect of this, and I would suggest that you either keep all communication with them to writing from now on, or make sure you can record any telephone calls.

 

 

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Mum,

 

You should be as ruthless as possible to cut down on less important payments, so you can meet the required monthly amounts to this priority creditor.

 

I hope Ell-enn can offer you some guidance.

 

:-)

We could do with some help from you

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  • 1 year later...

Hello

 

 

I have a Woolwich mortgage.

I pay monthly and have not missed a monthly payment.

However, I have been late sometimes as the payment is dependent on rental income payments. When I say late, I mean sometimes a few days or a week late in the same month.

Woolwich has been charging me late penalties.

It seems that there is now over £1k in late charges.

And Woolwich consider me to be in arrears due to these charges.

Can they do this ?

It is affecting my credit rating.

 

 

Is there some kind of letter I can write to complain ?

Many thanks for advice.

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follow the link - mortgage - and read about various rulings about mortgage arrears charges and the fines which have been imposed for unfair treatment.

Arrears charges can only reflect administrative losses. How much are your charges?

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Thanks

 

Well the Woolwich letter states "my mortgage account is in arrears" - for just over £1000

 

I received the letter on the same day as the Thanks for your monthly mortgage payment.

 

So the £1000 charges on the account are only due to £40/monthly charges. I am not sure if they add interest to these monthly charges.

They also insist I bring my account up to date within the next 5 days,

And state that CRA will be notified of a default....

 

This just does not seem fair...

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They cannot treat charges as arrears, they are sums added to the outstanding mortgage . Arrears are missed contractual monthly payments and they certainly can't take you to court for possession if you haven't missed any payments and certainly not for owing charges.

 

As BF says charges should be fair and £40 isn't fair - we have a template letter for reclaiming charges.

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

 

 

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Actually - I cant find the template.

Any hints or where to look ?? !!

 

CAG library is where you will find all our Draft letters. Top left of the screen - highlighted in green.. However the letter you require is in the link below.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?390026-Mortgages-Reclaiming-Charges

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 months later...

Hi again

Been very slow in getting on top of things...

 

 

I checked out the template letter.

It is a strong worded letter telling the mortgage company [Woolwich] that their charges are unfair.

The leaflets that Woolwich send out - containing the t&c - for Buy to Let Properties, list their charges as £40 for late payments.

Is this template correct?

Can I really contest the £40 charge as unfair?

And can I really ask for them to refund all the charges?

And tell them off for incorrectly telling me I am in arrears - when I am not, their charges have just increased my balance owing ?

 

 

I am just thinking laterally here - if they add the late charges to my balance - does this mean that my monthly payment (interest only) would increase ?

Is this - maybe - why they consider me to be in arrears ?

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Hi, charges added to the outstanding balance of an interest only mortgage will increase your monthly payments as the payment is calculated on the outstanding balance.

 

For instance, if your original balance was £100,000 and £5,000 of charges are added - then your payment will be calculated on £105,000 thus making it higher. However, you should claim back these charges and the additional interest the have charged you so your balance retrns to the original amount.

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

 

 

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Hi Mum,

 

Don't be timid in tackling the bank about this.

 

Their charges are unlawful penalties and it's your right to reclaim them in full.

 

Just because the penalties are mentioned in their T&C's does NOT make them lawful. And, if you need reassurance, take a look at your old post here - http://www.consumeractiongroup.co.uk/forum/showthread.php?244006-HP-Mum-v-Barclays-Woolwich.-PLEASE-HELP-***CASE-WON***&p=3004972&viewfull=1#post3004972

 

:-)

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  • 2 months later...

Finally I have got round to write to W.

Just one thing - can I leave the total sum charged blank ? They have not given me a total charges incurred statement. So I was just wondering if it is best to just write refund all late payment fees & charges, rather than the specific £ sum ??

Realised I should get this in now, before annual end of year statement issued....

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Hi Mum,

 

Do you not have full details of all penalties charged by the Woolwich.

 

If not, you should get them using a SAR.

 

You do need the data or they could refund any amount and you'll be unable to checkif it's right.

 

Also, you need the data if you want to reclaim restitutionary interest on the charges.

 

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I don't have an up to date list of charges.

I have a letter from apx 2 months ago stating that I owe £x amount, which they have added to my overall borrowing and which they now consider as arrears.

It adds up to apx half my normal monthly amount

 

Do you think I can re-jig the template letter to ask them to send me an up to date list of charges to date and also, in the same letter, request that they refund all charges, interest added and fees ?

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Do a full comprehensive Subject Access Request now. It will cost £10 and take 42 days

 

Request as part of the letter a "full list of transactions"

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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  • 2 weeks later...

Update

Letters have crossed in the post!

 

 

I have sent a letter asking for charges to be refunded and not to put account in arrears.

Woolwich has sent threatening letter, threatening solicitors and legal costs etc, about my "arrears" - which is just the late payment charges not mortgage amounts owed...

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Hi Mum,

 

Can you confirm that you have made the normal monthly mgge payments in the last few months.

 

Did you send Woolwich a SAR to ensure you know about ALL penalty charges.

 

Have you sent a spreadsheet reclaiming penalty charges and simple or compound interest.

 

:-)

We could do with some help from you

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HI

I sent a template letter as advised by Ell-enn and CitizenB above.

 

I am up to date with proper monthly payments.

It is just the late payment fees that they have added to the account that they now consider as arrears.

And for which they are sending threatening letters.

I did notice that they have increased the total in the threatening letter to include this months mgge payment, as it was a few days late ...

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Charges are not arrears and they cannot threaten repossession due to charges on the account.

Help us to keep on helping

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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