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    • Good Afternoon,   I am hoping to receive some advice regarding the below topic.   I was looking to purchase a property off-plan with a incentive attached and in order to secure this you pay a 'finder's fee'.     The fee was paid but then the property was un-mortgageable due to various reasons including the incentive being offered.   Having gone back to the agent to ask for a return of the finder's fee - they have refused saying that the incentive does not need to be disclosed and that essentially my broker is useless and I should use theirs!   Their broker also advised it would be hard to get a mortgage with the incentive disclosed which backs up what my broker has said.    This fee will now be kept on account.     I signed a form which confirms that the finders fee is non refundable - which was my error I should have checked if the property was mortgageable beforehand - however I wondered if there was anything I could do because:   The property is un-mortgageable - my broker tried all lenders including those who are happy with the incentive which was offered They have advised to withhold information which is clearly questioned in the mortgage application process   This is not a case of pulling out, this is a case that I cannot get finance and so cannot proceed.   Thanks in advance.
    • Hi all,  just wondering if i could get some help. me and my ex wife decided to get a loan back in 2017....i was continuing paying it but she didn't even though she promised me she would pay it as i agreed to it... and we split up in 2018, i was sectioned under mental health due to her behaviour.  short story... i came out 6 months later and she did not pay anything, my inbox was full, my phone with voicemails. i was not expecting this..... this loan was for £2000,    i tried to call her obviously she changed her phone number and email address, 2020 still not heard anything from her.... sent her letters she choose to ignore it.....   so i thought i come on here.... see you can make a complaint about responsible lending credit search.... behold just got a reply from progressive money....   i've also complained to amigo loans.... that is again she didn't pay anything... checked credit karma £11,876 on £7000 loans... hopefully something comes out of this....  - Summary Resolution Letter .pdf
    • Sorry it was 1250l before shielding he 
    • Is the 1250BR his code from before shielding?   Before shielding, the tax code would have been 1250 as this is the personal amount allowed to earn before tax. It should then have been followed by a single letter. The BR at the end means it is an emergency tax code, and that you receive no PFA, this is usual if you have more than one source of income.  This code means that all the earnings from this income will be taxed.   The 605T code is a temporary code, and shows that your tax is still being reviewed.   The changes in codes is due to the change in circumstances, firstly he was in work, then claiming UC while shielding (unpaid I assume), and then going back to work again.   They should sort themselves out, but you can always sign up to HMRC and keep an eye on the codes yourselves, and query anything with them as well.
    • Do as above, and we can find out if it's an enforceable agreement, often it isn't from Lowell.   But from another point of view, as long as they have your current address, why pay them if you only have £30 at the end of each month? It's not visible on your credit file, so won't affect your credit score in any way. This is in no way a priority debt.    
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      I was in Sainsbury’s today and did scan and shop.
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Hi been reading this forum for a while and had some good info. I have a few banks and DCA chasing me, but with the info on here been able to send them off to have a re think.

 

I am now at a point where I am just fed up with them and what to turn the table on these num heads, so looking for some advice on an attack plan, prepeard to and will take these all the way to court and hit them where it hurts.

 

Here,s where I stand with the first one I want to have a go at, a bank for a loan and a DCA

 

The bank does not have an agreement and never had one, Facted.

They sent me a Default Notice, wrong dates no time to put right then sold on to DCA.

 

DCA came up with unreadable agreement with a signature which I belive was lifted from an old agreement I had with the bank. old agreement was all paid off.

 

Now did pay money to both but at that time was convinced by them that they had a agreement, after coming on here I now know different.

 

So looking for some advice to turn the table.

 

E.:-x

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Hi been reading this forum for a while and had some good info. I have a few banks and DCA chasing me, but with the info on here been able to send them off to have a re think.

 

I am now at a point where I am just fed up with them and what to turn the table on these num heads, so looking for some advice on an attack plan, prepared to and will take these all the way to court and hit them where it hurts.

 

Here’s where I stand with the first one I want to have a go at, a bank for a loan and a DCA

 

The bank does not have an agreement and never had one, Fact.

They sent me a Default Notice, wrong dates no time to put right then sold on to DCA.

 

DCA came up with unreadable agreement with a signature which I believe was lifted from an old agreement I had with the bank. old agreement was all paid off.

 

Now did pay money to both but at that time was convinced by them that they had a agreement, after coming on here I now know different.

 

So looking for some advice to turn the table.

 

E.:-x

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1. How old is the debt?

2. If the cca is illegible it is unlikely to be enforceable.

3. Have you challenge the DN?

Personally I would send the account in dispute letter now and demand that all action ceases until they complied with the CCA request to your satisfaction.

If can truthfully say the signature has been lifted report to OFT and Trading Standards.

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It may be to your advantage with respect to the signature query to send the Bank a SAR's request, this should include 'all' paperwork they have on you, and not just this loan, either.

 

You would then be in a better postion, to decide from which angle you wish to attack.


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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The debt goes back to 2005.

Not challenge DN as yet,

 

Already sent cca request, received copy of agreement. and t & c for a car loan, note this was not a car loan.

I know for fact they do not have a origanal agreement and have asked them to confirm in writing that they do.

 

I will now SAR them and get what else I can as harrassed senior suggest. Dont want to take them on half cocked,

 

Thank you guys for your input.

 

E.

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