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    • My understanding is that they won't provide the name to me whether the investigation is Live or Closed, & I have no legal rep as I didn't have P.I. Cover on my policy, & am intending to claim using OIC.org.uk, but remain completely stuck as they 100% cannot open a claim on the portal without both the Reg. No. & Name of the other driver.  
    • thanks again ftmdave, your words are verey encouraging and i do appreciate them. i have taken about 2 hours to think of a letter to write to the ceo...i will paste it below...also how would i address a ceo? do i just put his name? or put dear sir? do you think its ok?  i would appreciate feedback/input from anybody if anything needs to be added/taken away, removed if incorrect etc. i am writing it on behalf of my friend..she is the named driver  - im the one with the blue badge and owner of the car - just for clarification. thanks in adavance to everyone.       My friend and I are both disabled and have been a victim of disability discrimination on the part of your agents.   I have been incorrectly 'charged' by your agent 'excel parking' for overstaying in your car park, but there was no overstay. The letter I recieved said the duration of stay was 15 minutes but there is a 10 minute grace period and also 5 minutes consideration time, hence there was no duration of stay of 15 minutes.   I would like to take this oppertunity to clarify what happend at your Gravesend store. We are struggling finacially due to the 'cost of living crisis' and not being able to work because we are both disabled, we was attracted to your store for the 10 items for £10 offer. I suffer dyslexia and depression and my friend who I take shopping has a mobility disability. We went to buy some shopping at your Gravesend branch of Iceland on 28th of December 2023, we entered your car park, tried to read and understand the parking signs and realised we had to pay for parking. We then realised we didnt have any change for the parking machine so went back to look for coins in the car and when we couldnt find any we left. As my friend has mobility issues it takes some time for me to help him out of the car, as you probably understand this takes more time than it would a normal able bodied person. As I suffer dyslexia I am sure you'll agree that it took me more time than a normal person to read and understand the large amount of information at the pay & display machine. After this, it took more time than an able bodied person to leave the car park especially as I have to help my friend on his crutches etc get back into the car due to his mobility disability. All this took us 15 minutes.   I was the driver of my friends car and he has a blue badge. He then received a 'notice to keeper' for a 'failure to purchase a parking tariff'. On the letter it asked to name the driver if you wasnt the driver at the time, so as he wasnt the driver he named me. I appealed the charge and told them we are disabled and explained the situation as above. The appeal was denied, and even more so was totally ignored regarding our disabilities and that we take longer than an able bodied person to access the car and read the signs and understand them. As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us. I cannot afford any unfair charges of this kind as I am severely struggling financially. I cannot work and am a carer for my disabled Son who also has a mental and mobility disability. I obviously do not have any disposable income and am in debt with my bills. So its an absolute impossibility for me to pay this incorrect charge.     After being discriminated by your agent my friend decided to contact 'iceland customer care team' on my behalf and again explained the situation and also sent photos of his disabled blue badge and proof of disability. He asked the care team to cancel the charge as ultimately its Iceland's land/property and you have the power over excel parking to cancel it. Again we was met with no mention or consideration for our disability and no direct response regarding the cancellation, all we was told was to contact excel parking. He has replied over 20 times to try to get the 'care team' to understand and cancel this but its pointless as we are just ignored every time. I believe that Ignoring our disability is discrimination which is why I am now contacting you.     I have noticed on your website that you are 'acting' to ease the 'cost of living crisis' : https://about.iceland.co.uk/2022/04/05/iceland-acts-to-ease-the-cost-of-living-crisis/   If you really are commited to helping people in this time of crisis ..and especially two struggling disabled people, can you please cancel this charge as it will only cause more damage to our mental health if you do not.  
    • I've also been in touch via the online portal to the Police's GDPR team, to request the name of the other Driver. Got this response:   Dear Mr. ---------   Our Ref: ----------   Thank you for your request which has been forwarded to the Data Protection Team for consideration.   The data you are requesting is third party, we would not give this information directly to you.   Your solicitor or legal team acting on our behalf would approach us directly with your signed (wet) consent allowing us to consider the request further.   I note the investigation is showing as ‘live’ at this time, we would not considered sharing data for suggested injury until the investigation has been closed.   If you wish to pursue a claim once the investigation has been closed please signpost your legal team to [email protected]   Kind regards   ----------------- Data Protection Assistant    
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • Hi everyone, Apologies for bringing up the same topic regarding these individuals. I wish I had found this forum earlier, as I've seen very similar cases. However, I need your help in figuring out what to do next because we've involved our partners/resellers. I work as an IT Manager in a company outside of the UK. We acquired a license from a certified reseller (along with a support agreement) and also obtained training sessions from them. The issue arose when we needed to register two people for the training sessions, so we used an external laptop for the second user to keep up with the sessions for only a month. During this period, the laptop was solely used for the training sessions. After two weeks, my boss forwarded an email to me from Ms Vinces, stating that we are using illicit software from SolidWorks. Since this has never happened to me or anyone we know, I went into panic mode and had a meeting with her. During the meeting, we explained that we were using an external laptop solely for the training sessions and that the laptop had not been used within the company since her email. She informed us that for such cases, there are demos and special licenses (though our reseller did not mention these types of licenses when we made our initial purchase). She then mentioned that we had utilized products worth approximately €25k and presented us with two options: either pay the agreed value or acquire SolidWorks products. We expressed that the cost was too high, and our business couldn't support such expenses. I assured her that we would discuss the matter with the company board and get back to her. After the meeting, we contacted the company reseller from whom we purchased the license, explained the situation, and mentioned the use of an external laptop. They said they would speak to Maria and help mediate the situation. We hoped to significantly reduce the cost, perhaps to that of a 1-year professional license. Unfortunately, we were mistaken. The reseller mediated a value €2k less than what Maria had suggested (essentially, we would need to acquire two professional lifetime licenses and two years of support for a total of €23k). This amount is still beyond our means, but they insisted that the price was non-negotiable and wouldn't be reduced any further. The entire situation feels odd because she never provided us with addresses or other evidence (which I should have requested), and she's pressuring us to resolve the matter by the end of the month, with payment to be made through the reseller. This makes me feel as though the reseller is taking advantage of the situation to profit from it. Currently, we're trying to buy some time. We plan to meet with the reseller next week but are uncertain about how to proceed with them or whether we should respond to the mediator.
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Possession of property


monkeyface1312
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Help is required as mortgage company Paratus Amc Limited have sent a letter claiming possession of my property.

 

The court date has been set for the 21st March 2011 at 11.30am.

 

The grounds for possession are based on mortgage arrears of £2378.62 over a 7 months period.

 

I work as a company director and during the past 18 months work has come to a stand still in the construction industry.

 

I sought advise from my accountant regarding the financial situation of the company and he has advised that the company is not insolvent yet but very near.

I then sought advise from CCCS who advised me to go and sign on and claim JSA and look for work to try and create an income in other fields of work until the construction recovers.

 

My claim for JSA went in on the 4th January 2011 I have not recived any money for mortgage intrest payment yet

as JSA have told me I have to be claiming JSA for 12 weeks before they will consider the intrest payment towards the mortgage.

 

I have been reciving £72.76 per week working tax credit and was advised to pay my other debits to creditors at £1 a month from this amount which I have done.

 

My problem has been that my mortgage company would not accept my £1 payment offer for the time being

towards the mortgage payment until my claim comes through from JSA towards mortgage intrest payment.

 

They told me that I need to pay them the full amount plus something towards the arrears.

 

This is impossible on the amount of working tax credit I get as I have another secured loan

to pay as well each month who have accepted a reduced payment of £20 until the intrest payment comes through.

 

CCCS have told me that from my budget plan my income is at the moment £278 per month my expenditure are £1,659 leaving a deficit each month of £1,381.

 

I have sought advise regarding my possission as a director of the company and until it becomes insolvent I will still be paid working tax credit and then JSA.

 

Because I have not got any money now as I have used up my savings to try

and save the company as this has been my source of income for many years even though we have not made much profit it still provided an income until 18 months ago.

 

I have already put application in for council house with my partner who also is out of work at the moment

as we can not see us keeping the house under the current financial circumstances as we can not pay the amount that is owed and the current money owed is £182,000.

 

The house was valued at £225,000 when we re-mortgaged away from Northern rock costing us £18,000 ERC (early repayment charge).

 

At a guess these mortgage/Loan companies have had at least £60,000 of our equity over a 10 year period so far

and now they are seeking possession as we have got into arrears through the economic climate.

 

I would appreciate any comments or help please from anyone who has been in this position,

 

thank you

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Thread moved to repossessions forum

 

Hopefully help will be forthcoming soon

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I have received a letter today from leeds city council

saying that they have been notified by my mortgage lender Paratus AMC Limited

that they are seeking possession of my property due to arrears on mortgage of £2378

and added charges at £50 a month plus letter fees plus D/D fees on top of the whats owed on intrest only mortgage of £177305.00

 

they now say with fees £181009.98 fees are £3704.98.

 

So they have charged another £1326.36 in arrears letters and charges.

 

This has been added into the total amount of £181009.98 saying that I owe to pay them in settlement.

 

They say this amount includes £337.25 solicitors costs.

 

Dont understand the figures here?

Can anyone put some light on this?

Are my mortgage company allowed to do this as this could impact on me for elligability of

getting re-housed by the council if the judge gives possession of my house to them

and i am made homeless due to them adding on these charges.

 

My case is due to be heard on the 21stMarch 2011 and the judge has not yet given his decision.

 

So how can my mortgage provider tell the council they are commencing repossession if the judge has not ruled yet?

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Hi silverfox1961

I have entered somemore info to this thred and hope that one of the mods can help with this. It seems to me that my mortgage company are not being reasonable in this case as they have notified my council that they are commencing re- possession due to the arrears on mortgage. I am worried that the council will see this as that I have made myself homeless if the judge gives my lender possession as I am in arrears with my mortgage payments to them. Can anyone give me any advise please only got three weeks to date of hearing.

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I am going to report this to the site team with the hope one of them can help

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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please enter new lines when typing

 

makes it alot easier to understand for the reader.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi dx100uk

 

Have you had chance to look at the thred I started regarding house repossession in three weeks time.

 

If this is not something you can advise me on would you be so kind as to ask another site team member to reply who can advise

 

Many thanks

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Hi silverfox1961

Sorry to keep asking but would you ask one of the team members to take a look if possible at this thred.

I remember a few years ago when I had some financial difficulties with Mechenzie hall debt collectors you helped me, got it all soughted out thanks

from Monkeyface

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I have re-alerted your thread but it's a case of who sees it. Best thing I can advise is for you to hunt around and see if you can find a thread similar to yours and filch some info from that

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I have been reading through the claim form for possession of property sent to me by my lender Paratus Amc Limited formally Gmac RFC.

 

Just noticed some payment date issues regarding the payments I have made to my lender over the past eight months.

In section 12 of the particulars of claim Paratus Amc limited have said month of August and September payment was recived.

Cumulative arrears of £400

Payment not recived for the month of October

Cumulative arrears £855.70

I have a bank statment that shows a full payment being made to them and duly recived for the month of October, but in the statment shows no payment on the payment history sheet they have sent to me in the particulars of claim court papers.

Would this be grounds for contesting the statement of truth where they have stated we believe that the facts stated in this form are true and signed.

Can someone give me some advise please as i have a meeting in the morning with housing options regarding my situation.

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.Certainly I think the incorrect info in the POC would add to your arguments, as would the fact that your charges are more than the arrears.

 

This may be of interest to you. http://www.consumeractiongroup.co.uk/forum/showthread.php?296126-Hot-news-for-anyone-who-has-suffered-mortgage-arrears-charges-irresponsible-lending-or-other-unfair-lender-conduct

 

As far as I know until such time as your house is actually repossessed (if it gets that far) the council are unlikely to be able to offer much help. Do you have children or any special circumstances?

 

If you decide that you want to sell your house anyway I suggest that you try and sell it yourself so that you can be sure of getting the best price possible.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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Please take Caro's advice - above and folow the link to the article about the FSA decsions in realtion to unfair mortage charges.

 

If your arrears are made up principly of charges then it may also be the case that the solicitor's fees which they have incrurred were unnecessary.

 

This is a bit new but it certainly seems that the FSA decsision in DeutscheBank make it clear that all charges etc must equal actual costs. This is unlikley to be so in your case - and in fact as far as I can see, all lenders use charges as a nice little earner. This means that they are all acting unfairly and in breach of their statutory duty under the Financial Services and Markets Act 2000.

 

The question here is how do you introduce the challenge to the court?

 

Firstly, you must assemble all of your figures so that you understand you position accurately.

 

Read the Two Final notices from the FSA and see if you are able to identify unfair treatment by your lender in addition to charges.

 

Have the repo proceedings actually started?

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Thanks caro

 

I have thought about putting house on the market, but house is in negative equity.

 

I also have a secound mortgage secured against the house for 28k with Blackhorse which was used for home improvments and consolidation of some credit cards some years ago.

 

Blackhorse agreed to accept £20 per month until first lenders court date 21 march 2011, and then they said they would review my circumstance.

 

I also run my business from home which is in decline with the construction industrie as it is at the moment no work in progress.

 

My business bank account has now been passed onto recovieres department I was told yesterday.They said will write to me soon regarding this.

 

I dont have any children but have a partner who is unemployed at the moment who has lived with me since I bought the house and is looking for work.

 

It is through the recession that we are finding it financially difficult now and work usually picks up middle of march, but who knows if this will happen this year.

 

I think this is why the first lender has commenced court action to recover monies and not giving us enough time for work to come in so we can get back to normal monthly payments.

 

The first lenders know we are in negative equity as well, as prices have dropped on all property.

 

The Property is worth about £180,000 now, but was valued at £225,000 when we re-mortgaged away from northern rock costing £18,000 ERC.

 

If the judge gives first mortgage possession the secound mortgage company Blackhorse on 28k loan will not get anything I dont think, but this will depend on how much the property sells for I guess.

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Please take Caro's advice - above and folow the link to the article about the FSA decsions in realtion to unfair mortage charges.

 

If your arrears are made up principly of charges then it may also be the case that the solicitor's fees which they have incrurred were unnecessary.

 

This is a bit new but it certainly seems that the FSA decsision in DeutscheBank make it clear that all charges etc must equal actual costs. This is unlikley to be so in your case - and in fact as far as I can see, all lenders use charges as a nice little earner. This means that they are all acting unfairly and in breach of their statutory duty under the Financial Services and Markets Act 2000.

 

The question here is how do you introduce the challenge to the court?

 

Firstly, you must assemble all of your figures so that you understand you position accurately.

 

Read the Two Final notices from the FSA and see if you are able to identify unfair treatment by your lender in addition to charges.

 

Have the repo proceedings actually started?

What about this?

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I have asked my mortgage provider to send to me a copy of all the transactions data regarding payments and any fees etc they hold on my account to establish the dates they have been applied to the account.

 

I will then cross check the statement against the perticulars of claim POC to see if they do match up.

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Maybe worth a mention in your defence that GMAC were fined £2.8m for 'mistreating' mortgage customers. Link here:

 

http://www.guardian.co.uk/money/2009/oct/29/gmac-fined-mistreating-mortgage-customers

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 4 months later...

Hi

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

 

It can be bit confusing at first.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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