Jump to content


  • Tweets

  • Posts

    • Hey! Sorry for not writing, I have been extremely busy in the past few weeks. I do have a question though and I wanted to see your opinion. I understand that the next step will be probably to take legal action against Amazon. But there is one thing that I haven't tried yet. What do you think about filing an official complaint through a third party, like https://www.econsumer.gov/#crnt or with the relevant (private sector?) ombudsman (I am not sure where I could do that)? And if I am not happy with the ombudsman's decision, I could still take court action. 
    • what about the unnecessary building insurance?   but to be honest you are not going to ever seriously dent a £148k sum  
    • No just the year stated from 2019
    • Or even the off-premises definition c will apply here too. a contract concluded on the business premises of the trader or through any means of distance communication immediately after the consumer was personally and individually addressed in a place which is not the business premises of the trader in the simultaneous physical presence of the trader and the consumer;   I am not sure what would be classed as 'immediately'   Great to have this discussion by the way which I hadn't contemplated.
    • No negotiations or discussions took place at the agent's premises - the only face-to-face contact was at my home when the agent came for initial introduction and appraisal of the property. Good question regards to the difference between the two. I guess the distance contract applies to sole online purchases whereas bullet (b) of off-premises contract applies to me as the agent's represented visited my home and the offer was made then for the services.   “distance contract” means a contract concluded between a trader and a consumer under an organised distance sales or service-provision scheme without the simultaneous physical presence of the trader and the consumer, with the exclusive use of one or more means of distance communication up to and including the time at which the contract is concluded;     “off-premises contract” means a contract between a trader and a consumer which is any of these— (a) a contract concluded in the simultaneous physical presence of the trader and the consumer, in a place which is not the business premises of the trader; (b) a contract for which an offer was made by the consumer in the simultaneous physical presence of the trader and the consumer, in a place which is not the business premises of the trader; (c) a contract concluded on the business premises of the trader or through any means of distance communication immediately after the consumer was personally and individually addressed in a place which is not the business premises of the trader in the simultaneous physical presence of the trader and the consumer; (d) a contract concluded during an excursion organised by the trader with the aim or effect of promoting and selling goods or services to the consumer;
  • Our picks

Please note that this topic has not had any new posts for the last 2035 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

Recommended Posts

Who should I send a SAR to, the mortgage providers or the DCA who are chasing the debt? (repossession shortfall and charges) I've already written to the DCA on behalf of a family member, offering £100 per month (at his request) they won't accept this because I wouldn't provide them with I/E details. I'm a bit late to the table with help so don't know what's went on before (hence the SAR)

Thanks

scotgal 

Link to post
Share on other sites

Thread moved to the correct forum.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

It was a joint mortgage, the house was repossessed - the loan was about 82k and they sold it for about 40k they're persuing him alone for 56k - I wanted a SAR to find out exactly how much it was bought/sold and any added charges. When I got the info my next plan was to come back here and ask for advice Ford

scotgal 

Link to post
Share on other sites
  • 2 months later...

Hi Ford, I have received all the stuff back from the mortgage lender - and a letter from the DCA asking what my intentions are... any advice?there is no sale receipt as such but there is an entry on the transactions stating 'possession credit' to close account of 58,943.93 and another credit of 41,574.20 redemption payment and redemption write off 16.48I am not sure how to proceed. there are a ton of charges added on to the account. thanks.

scotgal 

Link to post
Share on other sites
No they want 56k x

 

oh ok. 56 being the alleged shortfall inc interest etc?

from # 5 the initial capital is 42?

when was this taken out?

IMO

:-):rant:

 

Link to post
Share on other sites

I don't know what initial capital means - the loan was for £87,400, the purchase price was £92,000

The mortgage lenders have said they are not obliged to supply details of and I quote..details of agents responsible for marketing/selling the property, copies of valuations, the selling agents report, and report to support the decision to auction the priority, details of charges and fees and details of handling and marketing the sale of the property, so basically nothing I specifically asked for

scotgal 

Link to post
Share on other sites

soz, meant the 82 mentioned in #5.

the 42 being the shortfall which has now increased to 56?

if any thing is classed as data as defined then it shld be produced under a sar, unless there is a proper reason for not. have a look at the ICO website.

IMO

:-):rant:

 

Link to post
Share on other sites

That 82k was a guesstimate - 87,400 was the actual loan amount. I'll have a look. The person who I'm acting for offered to pay £100 a month but tthr DCA won't accept it without an I/E sheet, which I refused to provide. I'll look at the ICO website, thanks Ford

scotgal 

Link to post
Share on other sites

eg https://ico.org.uk/for-organisations/guide-to-data-protection/principle-6-rights/subject-access-request/

 

if something is personal data, and not produced, could consider a complaint to creditor and/or the ico.

 

if friend wants to pay something /mth, just start paying what can afford. they can (and usually wld do) accept payments without sight of an IE.

for friends/your eyes only for now, can do a common IE eg one from the cab/nat debtline, see what can afford. if creditor persists tell them have done one which shows can afford x/mth, as per the payments.

in the meantime look at claiming anything back that can be.

when was there a last payment since they called it in?

IMO

:-):rant:

 

Link to post
Share on other sites
  • 2 months later...

Sorry Ford, been waylaid.

 

 

I didn't get any of the stuff as it is covered by some other data protection..

 

 

There wasn't any PPI or insurance with the mortgage,

 

 

the only thing I see is interest.

 

 

The last payment was made 2012.

 

 

I sent off a basic expenditure which I found online,

it left £120 after all bills,

they've either not received it or chosen to ignore it

and have sent a detailed one of their own,

 

 

they're asking for a wage slip to verify income.

 

 

. Is that necessary?

scotgal 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...