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    • They did respond to the CCA  request (eventually) ...I have the SAR paperwork somewhere..will have to dig it out....Who do I present the proof to ..? Lombard /RBS, or Idem... Cheers.
    • Welcome to the real world. What year of university are you in? What university? And what are you studying? What is the name of the agent? And what is the name of the landlord? The business of holding deposits should be affected by the Consumer Rights Act 2015 and that means that they should be subject to terms relating to fairness. It seems to me that if you pull out of an agreement to take the property then the agent or landlord should only be entitled to hold on to sufficient funds to cover any administrative losses which they have suffered as a result of your change of decision. In practice many agents will simply take the opportunity to cream off a bit of extra profit. I suppose you just paid the money over without any kind of written agreement or recording or any evidence. Certainly, if you paid over a holding deposit on the basis of a particular contractual promise – that there would be a break clause and then subsequently there was no break clause then it would be a simple matter to argue that it was the agent of the landlord who had gone into the breach of contract in which case you would be entitled to recover all of your money. However do you have evidence of this? Similarly, if you pay the holding deposit and were only told afterwards that it was not refundable then it is arguable – although not cut and dried – that they had introduced a new term into an existing contract and so once again, you would be entitled to recover all of your money. However, once again – do you have any evidence of this? It will be interesting to know whether the agent is acting of their own initiative here or whether they are really exercising the will of the landlord. Please address the questions which I've put above
    • The house was sold in 2015. What’s Ll/BB. Can any one just say what I need to do. Or what I can do. Are Lowell in there rights to claim and therefore I’m liable for paying back the debt. Even though they can’t prove a contract to me in my name. Many thanks 
    • Hi GrievingMum   I fully understand and sympathise with your medical conditions.   The 3 screenshots/images in post#21 I have removed as I have converted those into one PDF which is now showing in that post.   CAG prefers PDFs rather than multiple screenshots/images but as I said I appreciate your medical condition so I have converted those screenshots/images into one PDF and removed the screenshots/images and left the PDF in your post.    CAG also prefers that all our caggers remain Anonymous on CAG, could I just suggest that when your have edited your document to just leave it for a while then go back to it and recheck that you have removed all info to keep you anonymous before uploading to CAG.
    • The letter send to contact them. Maybe if they wanted people to ring them they should put telephone? I was in India at the time so not really convenient to call them (I can prove this to them if it became an issue)  
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wintermare

pinnacle insurance.(pppfor first national loan)

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i was involved(my partner really)in litagation with a loan company 1st national

 

he was made redundant and he had ppp so we asumed we would be ok

not the case

we were so close to loosing our house i also set off a chain of events that lead to severe hardship and depression

i had a new born baby at the time

pinnacle insurance wouldnt pay the monthly payments as my partners ex employer refused to have further correspondance but the origional documents sent were lost by them.

which meant that if it wasnt for my father (who lives near russia by the way)intervening i would have lost my house as they pulled out a repo order

this cant be right of fair

i still have documents from the time it was april 2002 my daughter was born may 2002 nice timing eh!

i spent most of that month stressing out


1)wintermare vs abbey

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perhaps i could try for latent damages,defamation,and puntitve charges +court costs, each a different case.

any thoughts


1)wintermare vs abbey

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I also had problems with pinnacle. I worked employed for a company 3-4 years ago and the company went bust. The owner skipped the country owing many hundreds of thopusands of pounds. I could not prove to the benefits people that i had no money and was made unemployed as we all had no paperwork, other than our word for it.

I tried to claim for my loan with Pinnacle PPI and they refused on the grounds that i needed to actively sign on unemployment benefit to prove that i was legally unemployed. Claim denied and therefore refused so i ended up not recieving any payments towards my loan and ended up with a claim for missed payments and taken to court in default. the court awarded costs and favored the loan company and i got a huge debt5. about £3300 punds.

I would not mind but it was for a suite from DFS that lasted 4 months and collapsed. had to be repaired 2 times and on the second time they managed to spilt the armchair with a one and half inch split in the leather.

they also strung me along for over 1 year with no compensation. Pinnacle are not worth the paper they are written on. Many letters never even helped in explaining that signing on is not the only proof of unemployment.


REWARDSNOW AND CREDITSCOREMATTERS ARE NOW GETTING THEIR COME UPPANCE, I WILL MAKE SURE OF THAT

 

Grabby bank are the thorn in my side.

Claim issued 31st may 06

Served 5th june 06

Judgement obtained 20th june 06

Claim amount 1305.19 inc costs

CCA letter sent to Activ Kapital (now in default. 60+ days have passed)

CCa letter sent to Close management(21st june no response what so ever)

Data Protection Act letter sent to Black Horse(21st june no response so far)

Data Protection Act letter sent to First National(no response either.)

DFS has succumbed to my request for a new suite as the last one was not fit for purpose

All letters sent recorded and signed for.

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Hi Guys!

 

Are you both still needing help?

 

If you want some advice let me know and I will look into it for you.

 

LOULA

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yes please would love some help.


REWARDSNOW AND CREDITSCOREMATTERS ARE NOW GETTING THEIR COME UPPANCE, I WILL MAKE SURE OF THAT

 

Grabby bank are the thorn in my side.

Claim issued 31st may 06

Served 5th june 06

Judgement obtained 20th june 06

Claim amount 1305.19 inc costs

CCA letter sent to Activ Kapital (now in default. 60+ days have passed)

CCa letter sent to Close management(21st june no response what so ever)

Data Protection Act letter sent to Black Horse(21st june no response so far)

Data Protection Act letter sent to First National(no response either.)

DFS has succumbed to my request for a new suite as the last one was not fit for purpose

All letters sent recorded and signed for.

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it was a while ago, but the whole year long ordeal really deserves some justice.as it caused so much heartache to me and my family.


1)wintermare vs abbey

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I am having a similar problem to above. My partner has lost his job, however we are having problems with his employer. His employer says he has returned the forms to pinnacle but pinnacle state these were not received. We have requested the form to be sent to us so we can have these filled in and sent back recorded delivery, however the forms have still not been sent to us after numerous chase ups with pinnacle. We are now struggling to pay our mortgage. Any advice would be great!!!

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This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group


1)wintermare vs abbey

SETTLED £1901

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 3859 days.

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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