Jump to content


  • Tweets

  • Posts

    • Dear xxxxxxxx The Independent Appeals Service (IAS) has received a decision from the Independent Adjudicator regarding your recent appeal for the below PCN. Parking Charge Number (PCN): xxxxxxx Vehicle Registration: xxxxxxxx Date Issued: 29/04/2022 Appeal Outcome: Dismissed The Adjudicators comments are as follows:   "The Appellant should understand that the Adjudicator is not in a position to give legal advice to either of the parties but they are entitled to seek their own independent legal advice. The Adjudicator's role is to consider whether or not the parking charge has a basis in law and was properly issued in the circumstances of each individual case. In all Appeals the Adjudicator is bound by the relevant law applicable at the time and is only able to consider legal challenges and not factual mistakes nor extenuating or mitigating circumstances. Throughout this appeal the Operator has had the opportunity consider all points raised and could have conceded the appeal at any stage. The Adjudicator who deals with this Appeal is legally qualified and each case is dealt with according to their understanding of the law as it applies and the legal principles involved. A decision by an Adjudicator is not legally binding on an Appellant who is entitled to seek their own legal advice if they so wish. The Operator has provided evidence of the signs at the site, which make it clear any driver parking without paying for the duration, with a full accurate registration, will be issued with the parking charge notice. The Appellant claims that they paid for parking but fails to provide evidence to support the claims. As explained above, at this stage, the onus is on the Appellant to satisfy me the charge is unlawful. In the absence of any evidence I am not satisfied. The Operator's evidence shows no payment for the Appellant's vehicle, or anything similar. It does show two payments for the same registration in quick succession. I would take a reasonable guess, based on the circumstances described, that the person paying has paid for the registration of the person they assisted again. If they have paid for the incorrect registration they have my sympathy, but the guidance to the appeal is clear that I may only consider legal issues not extenuating circumstances. The Operator has this discretion, but they are unlikely to exercise it in the Appellant's favour, in the absence of evidence to support the claim. The Operator has provided photographic evidence of the Appellant's vehicle leaving the land they manage, ninety minutes after it arrived and without a payment for this vehicle. The appeal is dismissed." As your appeal has been dismissed, the Independent Adjudicator has found, upon the evidence provided, that the parking charge was lawfully incurred. As this appeal has not been resolved in your favour, the IAS is unable to intervene further in this matter.   You should contact the operator within 14 days to make payment of the charge.  Should you continue to contest the charge then you should consider obtaining independent legal advice. Yours Sincerely, The Independent Appeals Service
    • The government is calling a review of the plans which include a smaller shop, offices and a gym.View the full article
    • Hi dx Have done them to the best of my understanding. I do stand correction.   pzoom PPI calculations.pdf StatIntSheet v101 PPI.xls
  • Our picks

Openwork Mortgage Broker - Buy to Let


laura12
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3027 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

I can´t see a section for mortgage brokers, so I´ve pu this here I paid a 500 pounds application fee for a Buy to Let mortgage application recommended by a mortgage broker The mortgage was declined by the lender because at the time I didn´t have a continous employment record of 12 months. The initial decline was challenged, and further evidence/questions ensued, resulting in an decline. I have not been provided any correspondance between the broker and lender so I have no evidence of what the lender actually has said. My employment circumstances were disclosed to the mortgage broker, and they admit overlooking the employment criteria on the application. I´ve complained to the broker and they have advised I have exhausted their complaint system and they advise they believe the initial reccomendation was appropriate and I should take it up with the lender. Although I has tried to speak with the lender, I am not their customer and have directed me to the broker. Lastly the broker has advised I can contact the Financial Ombudsman Service but "we will inform them that we believe your complaint falls outside of their jurisdiction as it relates to an unregulated mortgage" I wonder if there are any ideas ?

Link to post
Share on other sites

I can´t see a section for mortgage brokers, so I´ve pu this here I paid a 500 pounds application fee for a Buy to Let mortgage application recommended by a mortgage broker The mortgage was declined by the lender because at the time I didn´t have a continous employment record of 12 months. The initial decline was challenged, and further evidence/questions ensued, resulting in an decline. I have not been provided any correspondance between the broker and lender so I have no evidence of what the lender actually has said. My employment circumstances were disclosed to the mortgage broker, and they admit overlooking the employment criteria on the application. I´ve complained to the broker and they have advised I have exhausted their complaint system and they advise they believe the initial reccomendation was appropriate and I should take it up with the lender. Although I has tried to speak with the lender, I am not their customer and have directed me to the broker. Lastly the broker has advised I can contact the Financial Ombudsman Service but "we will inform them that we believe your complaint falls outside of their jurisdiction as it relates to an unregulated mortgage" I wonder if there are any ideas ?

 

Anyone with any ideas here ??

Link to post
Share on other sites

  • 1 month later...

H everyone,

 

Last try to get a little input on this

 

The Financial Ombudsman have written to say they don´t investigate Buy to Let mortgages as suspected.

 

In a nutshell a mortgage broker made an administrative error when making an application for a buy to let mortgage with a lender, leaving me almost 500 pounds out of pocket. The lender subsequently declined the mortgage. The broker has admitted a simple administrative error meant one of the criteria I didn't meet was overlooked despite having the information provided.

 

The broker complaints procedure (which has been exhausted) has decided that the mortgage advisor correctly assessed my mortgage suitability and affordability and has conviniently overlooked the clerical error. The mortage lender has advised they can´t enter into dialogue

 

I´m a bit stuck for anywhere else to go as the complaints procedure is exhausted, lawyer would be very expensive and the ombudsman won´t look at it.

 

Does anyone know if the small claims court would be an option ??

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...