Jump to content


  • Tweets

  • Posts

    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
  • Recommended Topics

  • 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
  • Recommended Topics

need urgent info on mortgage for my friend


genesco
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6412 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

Bassically she is on benefits and has an interest only mortgage on variable rate, the rate has gone upto 9.9% and she can not afford to keep up with the payments, she has asked the mortgage company if they can change her onto a lower rate but they say they can't help her, she can't remortgege cause she is not working.

 

Is the mortgage company obliged to help her beable to pay

 

What can she do she is desperate she has a new born baby and she doesn't want to lose her house.

The council are paying some of the mortgage but onle a fraction of it

 

What can she do.

Link to post
Share on other sites

only advise i could offer is to shop around. Possible to get better rates by putting up a bigger deposit if possible

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

Mortgage Express charges- settled in full after issuing claim

 

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

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

Link to post
Share on other sites

also maybe she can apply for a payment holiday/break

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

Mortgage Express charges- settled in full after issuing claim

 

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

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

Link to post
Share on other sites

i personally think your friend needs to speak to citizens advice or a solicitor.if as you say shes not working then why not go along to the dss and see can they help her out !i dont know how it works but im always reading in news papers how people on benefits get help with housing costs ! sorry i cant be of any other help as i havent any experience when it comes to benefits and the like !

if my advice has been of any help to you then please click the scales ! Thank you :D

Link to post
Share on other sites

Bassically she is on benefits and has an interest only mortgage on variable rate, the rate has gone upto 9.9% and she can not afford to keep up with the payments, she has asked the mortgage company if they can change her onto a lower rate but they say they can't help her, she can't remortgege cause she is not working.

 

Is the mortgage company obliged to help her beable to pay

 

What can she do she is desperate she has a new born baby and she doesn't want to lose her house.

The council are paying some of the mortgage but onle a fraction of it

 

What can she do.

 

As i understand it the DSS will pay 100% of interest on a mortgage if you are claiming certain benefits- this takes about 9 months to kick in, then they will pay 50% of interest for 13 weeks and then all interest for as long as you areentitled to benefits.

 

Shelter have experts on this sort of situation and provide a free service - most areas have a drop in centre so I would direct her to them.

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

Hi Team

 

Your friend is in bad situation. The mortgage seems to be an Interest only one, which means that you are in effect paying rent only.There is'nt anything coming off the mortgage loan amount. Without a job you are tied and can't even change the mortgage. What needs to be looked into here is :

 

1. How much equity is in the home?

 

2. What are the Mortgage payments?

 

3. How do you intend to payback the Mortgage after the term?

 

4. How much to rent from a housing association?

 

If you can't pay this back, long term it may be beneficial to your friend to sell the house and pay off any debts with the proceeds.It maybe better to rent from a housing association than to get further into debt and possibly lose everything, including any equity. Once the sharks get going,there may not be much left.

Some people rely on inheritance to payback what they owe. Need a bit more information to be able to advise you more. Remember this is just advice, always seek legal help and do your research carefully.

 

Hope this helps

 

Uk...

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

Link to post
Share on other sites

Hi Team

 

Your friend is in bad situation. The mortgage seems to be an Interest only one, which means that you are in effect paying rent only.There is'nt anything coming off the mortgage loan amount. Without a job you are tied and can't even change the mortgage. What needs to be looked into here is :

 

1. How much equity is in the home?

 

2. What are the Mortgage payments?

 

3. How do you intend to payback the Mortgage after the term?

 

4. How much to rent from a housing association?

 

If you can't pay this back, long term it may be beneficial to your friend to sell the house and pay off any debts with the proceeds.It maybe better to rent from a housing association than to get further into debt and possibly lose everything, including any equity. Once the sharks get going,there may not be much left.

Some people rely on inheritance to payback what they owe. Need a bit more information to be able to advise you more. Remember this is just advice, always seek legal help and do your research carefully.

 

Hope this helps

 

Uk...

 

highly unlikel yshe would be offered a housing association place as they pick up from council lists - it may be an idea to look at shared housing options with a HA - but there is still the problem of no job.

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

Hi Team

 

She will stand a better chance with the Council or a housing association as there is a young child involved. Gets priority in these situations.We need more information to be able to help more.

 

Uk....

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

Link to post
Share on other sites

Hi Team

 

She will stand a better chance with the Council or a housing association as there is a young child involved. Gets priority in these situations.We need more information to be able to help more.

 

Uk....

 

As long as she isn't found intentionally homeless. Priority doesn't mean accommodation they will usually offer B&B or similar temporary accommodation for 6 months. Of cours if she sells and gets a private rental then HB should cover it - deposit etc could be covered from house proceeds.

  • Confused 1

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

As long as she isn't found intentionally homeless. Priority doesn't mean accommodation they will usually offer B&B or similar temporary accommodation for 6 months. Of cours if she sells and gets a private rental then HB should cover it - deposit etc could be covered from house proceeds.

 

Yes i agree..We need more information, renting privately or with shared ownership will probably be the only way.If it carries on like this, she will be broke and maybe lose the house and any equity left in it.

 

Prevention rather than cure as i see it

 

Uk...

  • Confused 1

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

Link to post
Share on other sites

I believe the DSS only pay upto limits they set, as they are not covering the full payments my ex wife is making. she has a shortfall of about £120 a month they refuse to cover.

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

I believe the DSS only pay upto limits they set, as they are not covering the full payments my ex wife is making. she has a shortfall of about £120 a month they refuse to cover.

 

Not neccasarily true that they have set limits - there will be a reason why she has to make up shortfall - they will pay interest on mortgage after 39 weeks @ 50% and then after 52 weeks @ 100% - what is your wifes mortgage and how long has she been cliaming?

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

Not neccasarily true that they have set limits - there will be a reason why she has to make up shortfall - they will pay interest on mortgage after 39 weeks @ 50% and then after 52 weeks @ 100% - what is your wifes mortgage and how long has she been cliaming?

 

she has been claiming about 12 months now and her mortgage is interest only. They didnt start at 50% because she does claim benefits for mobility. But they only pay about 80% of the total payment. Maybe she should get back onto them again.

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

As far as the DSS goes, they will only pay to a certain amount. This is based on a maximum interest rate, so If you are on a non high street rate you already have a shortfall. Also if you have remortgaged they will only go up to the original amount of mortgage, They also only pay the interest part of your mortgage. They do not pay for the first 29 weeks unless you are claiming certain benifits (Not sure which ones apply). All in all it can be to little to late. What she could do, is look into a company they purchases the home then rents it back to her. The DSS will pay the rent. Some of these companies have written into the contract a clause that allows buyback at a preferential rate. I am not sure of all the ins and outs of these schemes but may be worth a look

Please Click The Scales if I have been of help to you.

 

 

Kensington Mortgages withdrawn. no costs

NatWest Settled in full

Abbey Court Settled in Full

Capital 1 settled in full

Halifax settled in full :D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...