old tesco/RBS loan - help
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If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.
If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.
Thank you
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sadly no they can just take. and it wasn't a private company no. -
By Sick Of Legal Bullies · Posted
Happy Easter. Does anyone know it the Unfair Contract Terms Act 1977 applies to a Commercial Mortgage Offer? Thank you -
Still no correspondence. I have spoken to the court, who, as it stands have nothing from Southern Water, but have a back log, and technically it could be in the system waiting to be processed. The direction either way, is to send it to the judge for further review and decision. MCOL is showing no further updates. Am I right in thinking that I would have heard from Southern Water independently from the court process. The last correspondence stated the claimant was to reply to the court and defendant. So I’m taking it as I haven’t heard, nor would the court. Anyone know what the next step would be, if Southern Water haven’t replied in time?
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How long have they given you to send the form back? The statutory period is seven days but many EA's give you more. Just some basic things about CTax bailiffs you probably already know. They have no powers to force entry, however, they can gain access through an unlocked door or take goods from the garden. They can call on any day of the year between 6 am and 9 pm. If the Bailiff does not collect, and the warrant is returned to the council all fees will disappear and you will be left with just the original debt. So if you did nothing and you are happy for the threat of the Bailiff calling for up to twelve months you could just "sit it out" and eventually you may get away with just paying the council the original debt without fees. Many subscribe to this course of action. The downside is, for the period mentioned there is the continual threat of the bailiff calling and all the stress that goes with it. in addition most importantly, the authority, on the return of the warrant may just pass it to another bailiff. So perhaps over the weekend, you could decide which path you want to pursue. I don't want to persuade you either way but personally, I would rather just get it sorted, (With the authority if possible) and get on with the important stuff in my life :). -
Bought a car for £350, drove it home with insurance and MOT, but no tax. Parked it outside the house while someone else was taxing it, however the other person (who was to borrow the car for a few weeks) mixed up some log books and taxed the wrong car. 5 hours later, private company came around, picked up the car and took it 20 miles away into London (as opposed to the local inpound 2 or 3 miles away). Didn't realise it was gone until the morning, called 101 and confirmed it was taken for no tax. Called impound, they want £260 to release it, said I had half hour to pick it up or it goes up another £100. My fault 100%, shouldn't have parked it without tax on the road. Now, it wasn't parked dangerously, it wasn't abandoned. Should it have only been clamped first? I'd pay the £100 DVLA fee but the car isn't worth getting back for £360. Just seems sneaky that a private company took it, and transported it 20 miles away into London (it would take an hour and a half each way at least).
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FUTURE COMMS
Mark Edwards posted a topic in Telecoms - mobile or fixed,
This is a bit of a lengthy one but I’ll summerise best as possible.
THIS IS HOW THE PHONECALL WENT
I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker)
I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded.
Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
so far so good.....
i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
so far so good....
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BankFodder, -
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A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp bank complicity – coming soon @A_Gentle_Woman
BankFodder posted a topic in Barclays Bank,
A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/-
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BankFodder, -
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Hot news for anyone who has suffered mortgage arrears charges, irresponsible lending or other unfair lender conduct
creepycrawler posted a topic in Mortgages and Secured Loans,
The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
Please see the links below for summaries and full details from the FSA website.
It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
Furthemore, irresponsible lending practices are also unfair and unlawful.
Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
You are entitled to refuse counsellor visits and not incur any charges.
Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
It is clear that some mortgage lenders are trying to cheat you out of your money.
You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
You should consult others on these forums when considering any offer.
You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
You must make your complaint through the County Court for a rapid and effective remedy.
http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
http://www.fsa.gov.uk/pubs/final/redstone.pdf
http://www.fsa.gov.uk/pubs/final/db_uk.pdf
http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
Do you have a mortage arears claim to make? Then post your story on the forum here-
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EMC car sales of Bagshot - 30 Day Right To Reject - Vehicle Casualty Report
SavoyTruffle posted a topic in Vehicle retailers and manufacturers,
30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/-
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SavoyTruffle, -
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