Jump to content


  • Tweets

  • Posts

  • 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 
        • 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

givitback v Alliance & Leicster (ERC) ** WON **


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6185 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

Well guys, I've been following this section of the site with great interest. I sold my house and redeemed my A&L mortgage in August 2005. I was in a 2 year fixed rate which started in March 2004 & redeemed early 17 months later at a cost of £2014.60.

 

I copied Zoot's letter (fantastic Zoot, thanks) requesting that amount plus £60 of late payment fees back & have today received the following reply:

 

"I have noted everything you have said but I am afraid we do not agree with your views on the legality of the charges you highlight in your letter. As such, I regret that it will not be possible to agree to your request to refund the charges to you.

 

The fees totalling £60 relate to unpaid direct debit payments and have been applied in according with A&L's tarriff of charges.

 

The Early Repayment Charge of £2014.60 has been applied in line with the terms & conditions of your mortgage which you accepted. I enclose a copy of your mortgage offer & have highlighted the part that explains about the repayment fee period*." (also noted below)

 

Highlighted bit from the Mortgage Offer document in exact words:

"The repayment fee period means the period of time starting on and including the day of funds release and ending after the following periods have expired.

 

The repayment fee means a sum of money equivalent to 180 days (ie. approximately six months) interest at the basic rate during the period starting on the day of funds release and ending after 2 years.

 

 

Now, I'm assuming that the repayment fee is the £2014.60 ERC. Frankly, I'm confused. I'm quite clear on the £60 charges but I'm not quite sure where to go next with the ERC. Any advice would be gratefully received.

 

(Note: Statement description is Early Repayment Charge £2014.60)

Link to post
Share on other sites

Yes, looks like the ERC is £2014.60...not quite sure what you mean where to go? Do you mean how to word your letter?

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

Link to post
Share on other sites

Use the template LBA from the library just make appropriate changes to reflect that it is ERC and late payment fees.

 

There is nothing really to add at this stage. You might want to incorporate a bit to respond to their letter by stating that the fact that you agreed to the terms will have no bearing on whether they would be classed as a penalty charge in court of law.

 

Good luck

 

Zoot

Link to post
Share on other sites

  • 2 weeks later...

OK, so the A&L have replied to my LBA with a standard response which repeats what they said before ie. that they don't agree with me. A couple of questions?

 

I haven't had a breakdown of how their fees are calculated, do I need this? (They referred me to a section in the T&Cs which explains the %age that they take as an ERC.)

 

Do we claim the whole fee anyway, regardless of their actual costs, the same way we do for bank charges?

 

Should I now just file a MoneyClaim?

 

Hmm, that's 3 questions!

Link to post
Share on other sites

I haven't had a breakdown of how their fees are calculated, do I need this? (They referred me to a section in the T&Cs which explains the %age that they take as an ERC.)

 

 

If they have not explained how the ERC equates to a genuine estimate of their losses then likelihood is its a penalty.

 

Do we claim the whole fee anyway, regardless of their actual costs, the same way we do for bank charges?

 

 

Yes. Its either a penalty clause unenforceable in its entirety or a liquidated damages clause in which case valid. If it is a panalty they may then claim for any actual loss they have in fact occured, but would need to plead and prove each loss and this would be subject to s.4 UCTA.

 

Should I now just file a MoneyClaim?

 

 

 

If its been 14 days since LBA yes.

 

Best of luck

 

Zoot

Link to post
Share on other sites

  • 4 weeks later...
  • 4 weeks later...

The Alliance & Leicester had until Friday to lodge their defence. Cheque received on Saturday dated 17.11.06 in full settlement of claim. I am absolutely over the moon! Donation will be sent as soon as cheque is cleared. Thanks everyone for their help and hopefully this helps other people who are wanting to recover their ERCs.

Link to post
Share on other sites

Fantastic news giveitback!!!

 

If only they were all that easy.

 

You'll be having a great Christmas now - well done.

 

:D :D :D :D

Ellielou x

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

Link to post
Share on other sites

My goodness, that was quick! congrats...

Barclays Bank

13/9/06 - ACCEPTED HALF ON BOTH A/Cs

HSBC

21/10/06 - SETTLED IN FULL

Preferred Mortgages

11/8/06 - prelim let sent - redemption fee

12/07 - case dropped

Halifax B/S

2/07 settled in full

Halifax visa card

MCOL due

Citicards & Hillesden

2/07 Data Protection Act & CCA let sent

3/07 Prelim let sent

4/07 LBA sent

Barclaycard

04/07 offer received for 1/3 - refused

Argos Card services

Half offered - refused

PPI Claims:

8/12 MBNA Loan settled in full

7/12 Barclayloan settled in full

9/12 Liverpool Victoria settled in full

7/12 Barclaycard claim rejected

Link to post
Share on other sites

Brilliant News - well done!

 

:D

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

Link to post
Share on other sites

Fantastic news - I am so pleased for you.

 

xxx

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

Link to post
Share on other sites

:) :) :) Well done giveitback so pleased for you and mighty quick. Hope this sets the ball rolling for a lot of people out there including ourselves. Enjoy!!

Catherine Bear

xx

:D :D :DMoney in account £13216.66!!!!

GMAC - stmnts rec'vd letter requesting £1662 refund of chrges MCOL on line being issued for ERC

SPML - issued MCOL on 21.11.06!

Kensington - statements received letter requesting £2455.55 refund of charges issuing MCOL for ERC

MBNA - refund £341 offered-sent letter requesting refund of £3846.59 charges!!!!!!

Capital One-going to issue MCOL for £1243!

Link to post
Share on other sites

Well guys, I've been following this section of the site with great interest. I sold my house and redeemed my A&L mortgage in August 2005. I was in a 2 year fixed rate which started in March 2004 & redeemed early 17 months later at a cost of £2014.60.

 

I copied Zoot's letter (fantastic Zoot, thanks) requesting that amount plus £60 of late payment fees back & have today received the following reply:

 

"I have noted everything you have said but I am afraid we do not agree with your views on the legality of the charges you highlight in your letter. As such, I regret that it will not be possible to agree to your request to refund the charges to you.

 

The fees totalling £60 relate to unpaid direct debit payments and have been applied in according with A&L's tarriff of charges.

 

The Early Repayment Charge of £2014.60 has been applied in line with the terms & conditions of your mortgage which you accepted. I enclose a copy of your mortgage offer & have highlighted the part that explains about the repayment fee period*." (also noted below)

 

Highlighted bit from the Mortgage Offer document in exact words:

"The repayment fee period means the period of time starting on and including the day of funds release and ending after the following periods have expired.

 

The repayment fee means a sum of money equivalent to 180 days (ie. approximately six months) interest at the basic rate during the period starting on the day of funds release and ending after 2 years.

 

 

Now, I'm assuming that the repayment fee is the £2014.60 ERC. Frankly, I'm confused. I'm quite clear on the £60 charges but I'm not quite sure where to go next with the ERC. Any advice would be gratefully received.

 

(Note: Statement description is Early Repayment Charge £2014.60)

Hi

 

Did you have any luck reclaiming ERC as the A & L charged me £3000

 

Thanks for any advice

Link to post
Share on other sites

Hi

 

Did you have any luck reclaiming ERC as the A & L charged me £3000

 

Thanks for any advice

 

As Giveitback said above they settled in full. If you read the thread properly you will see his claim was for an ERC and charges.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

Link to post
Share on other sites

  • 6 months later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...