Jump to content


  • Tweets

  • Posts

    • Thank you to you all, you guys are amazing!! Yes of course i will be making a donation, i am very grateful to you all. Keep up the good work
    • I'm not quite out of the woods yet. The email they sent me also said that I have £290 of arrears and it has been passed onto their collections department. If anything my account should be £10 in credit.  They haven't taken into account the trainers that were returned back in October. The other items have been credited to my account so it looks like I've still got work to do.  They are not very quick to reply to emails, although I've only sent one trying to find more information, and I have no idea what happens next. Half of me want's to get it sorted properly the other half just wants it over with, if that means a default then so be it. 
    • No. It's a public (council maintained) road with some houses in it.   Some other houses back onto it too and those owners have right of way down the road to access the back of their properties.  Theres a few garages with private osp - so one drives out the garage, over the osp, and onto the public side road and then out on to the public main road.  Irrespective of whether the garages are used - the local businesses parking their cars on the private osp are ostensibly preventing cars from accessing the public roads.
    • is the side street solely for access to your garages? who owns the land and thus the road? dx  
    • A local business has been parking on an off-street parking space in front of my garages (in a side street).  I wasn't using them for a while so didnt bother to do anything.  But now a second local business is also using the osp - taking it in turns with the 1st biz.  This has started to nark me.    The employees choose to drive to work.  There is no private parking in their business's street.  But there are some underground secure garages in their street - which cost apx £2.4k/y to rent - which works out apx £6.60/d. (I believe one of the biz owners already rent one for storage purposes).  If the employee had to park on a meter it would cost them £6.60/h - £66 for 10h and have to move every 4h.  They just don't want to pay for parking. I haven't confronted either of them.  Instead I just put 2 clear "no parking" signs in front of the garages. And a note on one of the cars specifically saying that as they don't live or rent in the street and it's private land could they stop parking.   They ignored that.  And just put notes on their dash with a # to call if one needs the car moved.  There is a sign and they've been told in writing to stop parking. And they are just ignoring it.    I don't what a confrontation.    I don't want to go to the expense of bollards (other than maybe traffic plastic ones - but they'll probs just move them).  Council won't do zilch cos it's private land. And police won't get involved - unless I clamp/ tow the cars and then they'd be after me, not the drivers!    What's the best thing to do?
  • 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 
      • 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

mortgage advice


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4462 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

hi guys, just need a bit of advice regarding mortgage's, i currently am thinking of getting on property ladder, my current situation is this....

 

previously had very bad credit history, so currently have 2 defaults from mobile phone companies for relatively small amounts both £300-£400 ish both settled a long time ago and they have been on my record for 4 years and 5 years now.

 

i currently have 3 years perfect credit history no missed or late payments and a few active accounts with very low balances gettin paid off in full every month, my current credit score is 600 from experian.

 

im wanting to buy a house in the region of £130,000 and i have a cash deposit of £30,000, how do you think i will get on with deals interst rates etc?

 

my partner has no idea of my past problems so just hoping i dont get any nasty shocks when it comes to seeing a mortgage advisor with her.

 

any advice, tips or comments welcome thanks!!

Link to post
Share on other sites

hi guys, just need a bit of advice regarding mortgagelink3.gif's, i currently am thinking of getting on property ladder, my current situation is this....

 

previously had very bad credit history, so currently have 2 defaults from mobile phonelink3.gif companies for relatively small amounts both £300-£400 ish both settled a long time ago and they have been on my record for 4 years and 5 years now.

 

i currently have 3 years perfect credit history no missed or late payments and a few active accounts with very low balances gettin paid off in full every month, my current credit score is 600 from experian.

 

im wanting to buy a house in the region of £130,000 and i have a cash deposit of £30,000, how do you think i will get on with deals interst rates etc?

 

my partner has no idea of my past problems so just hoping i dont get any nasty shocks when it comes to seeing a mortgagelink3.gif advisor with her.

 

any advice, tips or comments welcome thanks!!

Link to post
Share on other sites

The bottom line is that you won't know until you start making applications. That said, you've got a good record of payment for three years, and mortgages are generally seen in a different light to, for example, credit cards or loans, because they are obviously secured on the property they are used to buy. In addition to that, you also have quite a substantial deposit, so the mortgagee's loan to you will be at less risk if you do default.

 

Other than wait another two years (probably not an option) until the defaults fall off your file, I think you're just going to have to bite the bullet and make an application for a mortgage. I think you might find yourself pleasantly surprised.

 

A word of warning though - don't, under any circumstances, use a sub-prime lender, it will cause you more problems than you can imagine if you get into difficulties. If a high street lender (prime) won't lend you the money, then wait the two years for the defaults to fall off your file and apply again.

Link to post
Share on other sites

yep things exactly as i state, my own personal spin on things before coming on here was that, yes i have poor credit rating but i do have decent deposit so was hoping the latter may out weigh the defaults. main worry been that not sure if its entirely up to computer to decide my fate or if someone could take a look from a human perspective if u know what i mean?

Link to post
Share on other sites

Well, some banks do have face to face advisers, so shop around, find the one that suits you best, where you can go in and actually speak to someone. You can outline the details as you have here, and ask whether they would be likely to approve a loan to you. I think many of the high street lenders would, simply because you have quite a large deposit in relation to the value of the property you are looking at purchasing and therefore the loan they make to you would be at less risk.

 

Make some enquiries and let us know how you get on. Good luck!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...