Prestige Finance - 2nd charge secured loan - going for home repo - help!

[denysemarst1]

I don't know dx only that this is very very confusing, but this type of company is always dodging from one name to another I suppose presumably so they can't be caught or something.

[caro]

letters, returned payments, court costs and interest.

 

 

then that with the PPI can be reclaimed.

 

 

you owe nowt

 

 

think you are missing the point.

 

 

the judge will be none too pleased that what they have taken you to court for is solely penalty charges.

 

 

as soon as you get the statements

we'll knock up the spreadsheets.

 

 

you don't have to have already paid them to get them back ..they are bogus

 

 

and any T&C's stating they are lawful can be challenged.

 

 

dx

 

Just to add that they may be relying on you not fighting this so they can get possession by default.

[dx100uk]

look at the name company at the bottom of the letter

 

 

who's name is the 'claimant' who is trying to take possession?

 

 

something smells here

 

 

dx

[denysemarst1]

The SAR arrived this morning,

 

 

I've never asked for one of these before,

 

 

I imagined it would be a comprehensive list of what they have sent to me and notes on my account,

 

 

however they have sent EVERYTHING it's a massive bundle,

 

 

I am completely overwhelmed and need advice on what to do,

 

 

if I have to go through this it will take hours and hours!

[dx100uk]

take your time

sort it into say

statements

comms log

letters

etc.

 

 

I got a sneaking suspicion you are going to find this debt has been passed between companies several times

and they'll be loads of stuff there that you are supposed to have been sent

like notice of assignments or transfer of ownership letter

between their various companies that you have never seen and should have been sent.

 

 

dx

[denysemarst1]

Just typed a detailed reply and somehow lost it very frustrating!!

 

My last post was probably a kneejerk reaction based on the amount of paper work they sent (about a ream of A4!!)

 

 

I am pretty good at trawling through information and finding errors and misleading stuff

so I will just do what I do with work stuff, a little at a time and what you suggested put things in separate piles,

 

 

I did say before that these people sent me letters at the rate of 2 per day for a considerable time,

all the letters said the same stuff, also I was getting up to 5 phone messages a day,

 

 

in the end I told them that I would only respond to them via email (because phone calls are not good evidence if I am not recording them,

email have the time date etc.,) also it stops them from saying a letter was not received.

 

 

Also when I complained about the PPI they sent me a copy of the original phone call I made

and I know without any doubt that it had been edited, because not all the conversation was on it!

That's why I do not trust them at all,

 

 

in the end I had to threaten them under the harrassment law, that's when they stopped.

I have got a number of emails (from over the years) regarding my complaints and I don't know if they would help at all.

 

At the moment I'm dealing with some personal and professional issues (nothing like this though thankfully)

and I'm nearly done with them, after this I will start to look at what they have sent

(I'm probably going to need most of the time I have left before the hearing to do it lol)

but once again thank you for at least calming me down and I appreciate your advice and support always.

 

Denyse

[dx100uk]

go nail 'em

you deserve it

[denysemarst1]

Hi Everyone,

 

Had a couple of hours spare this morning, so decided to look at the SAR and put documents in separate bundles as advised,

they have sent copies of 247 letters to me, which I cannot confirm receipt of as I have not kept the original copies to me,

but I sincerely doubt that they sent as many as this,

together with 50 default notices and other bits and pieces,

 

 

they also sent a copy of the original application which clearly states that I am self employed (mis sold PPI)

interestingly it does actually state the cover is only for 5 years yet the loan is over 8 years??

 

 

The most interesting documents they have sent however is the internal notes for the account,

most of it is double dutch to me because it is heavily abbreviated and I don't know what they stand for,

but entries do contain the word 'threat' not 'advised' as I would think this is more professional.

 

 

There is one document that is made out to my partner not me as the 'payer' and also letters which confirm my complaints over the years,

an offer to reduce costs as a goodwill gesture - which I refused because it was not enough,

and also notification that the PPI providers had gone into liquidation,

 

 

they refer to debt counselling agencies they are sending to me,

which as we all know is a glorified name for debt collectors,

also there is another letter from a company that I know nothing about, yet it refers to this loan.

 

All in all this is a massive job to sort through and as I said I've only just started,

I wonder if they think that by sending me a bundle of about 500 pages

I will just give up due to the enormous task of sorting through it and how confusing the whole bundle is.

 

Also they wrote to me today acknowledging the adjournment,

also sent another letter addressed to the tennant/occupier of my home

this letter did not have any kind of postage mark on it,

it was not included with my letter and I assume only reached here because the address was correct,

 

 

this letter advised the persons other than myself of the intention to possess the property

and advised them to contact CAB or local housing department!!

 

I'll post a section of the internal notes so you can see what I mean,

I should just say that I had to change my telephone numbers because of the harrassment

,yet there is a note on 22/10/14 that I had changed my number because I had moved to a new house,

I never said that to them and they know full well that I haven't because they have continued to send me letters to the house

they are trying to re possess!!! WHAT IS ALL THIS ABOUT?????

[denysemarst1]

Thinking now that this is just getting more stupid by the minute, basically do you think I should write to them stating I was not part of the Enigma code breaking team, and ask them to fully explain their 'secret language code' also I can see they have not responded to my request to fully explain their costs regarding administration charges, does anyone think a judge would look at this just because of sheer volume??

[citizenB]

They should have sent you a list of their codes and what they mean. If they didn't, then yes ask them to supply a list for you.

 

 

50 default notices

 

They sent you 50 - FIFTY default notices ?

 

Did you receive any of these, if so, did you remedy the breach each time ?

[denysemarst1]

not a chance

they sent so many of these letters and notifications,

they state to me that they have not received some of my letters

so I will adopt the same attitude when it comes to court,

after all if they are asking to be believed I shall do the same.

 

 

The abbreviations I refer to are not like you see on bank statements,

they are a sort of personal code system between employees which they have put on their internal notes,

and I have decided probably not to ask them to explain this code,

rather wait for the hearing and see if the Judge is more equipped than myself to decipher it,

probably not and neither will anyone representing this company. Just a thought!

[Lea_HTH]

The judge will expect you to present your evidence - not expect him/her to decipher it for you. Don't start out on that foot - it's the wrong one and won't endear you to a judge. You'll be wasting their time.

 

You are entitled to a copy of the codes they use, and one should have been included in the SAR. Get them to send it to you.

[denysemarst1]

Sorry the last post was meant to be facitious!

I wouldn't dream of asking a judge to decipher it for me!

Can see I need to watch my humour in future!!

 

Just to be clear

- the abbreviations used seem to be personal ones used between employees!

That was the point I was making plus I have information from other 'victims' of this company

who have also been subjected to this secret language,

they have already been to court and the judge was completely dissatisfied with this behaviour,

I wrote the post knowing this sorry

 

Sorry, but I can't sort this out any more I'm exhausted,

firstly the internal notes are so confusing nobody would be able to understand them!

There are 49 pages of them,

I thought at first some were duplicated as they had the same dates on them but different operators!

 

 

The charges just don't add up even by their claims and one note records me telephoning telling them about my second brain tumour operation

and asking for a payment break, they have noted this and it just says proceed with eviction!!

 

 

There is an entry offering to cut the cost of letters by 50% but I did not accept this and I wrote to them telling them this because of other costs and charges.

Another states that I had moved house because of change of telephone number, I have not moved house,

I changed my numbers because of their harrassment but I did tell them my email address so they could contact me,

but still they continued to call and I presume charge me for this. I've had enough of this!!!!!! but maybe that is their plan?????

 

Also it is the language they use in the notes, for example they do not say 'advised customer' they say 'threatened her'???????????

 

Can I just send a counter claim through small claims court and see what their response is?

[dx100uk]

I'd concentrate on filling the PPI & PENALTY/arrears charges spreadsheets out

[denysemarst1]

dx - it does seem like a massive job though,

 

 

they mention daily interest charges,

 

 

they say they have sent 297 letters which I cannot confirm,

 

 

do I claim for the so called one off PPI charge

and then all the charges they are claiming

or do I have to identify each claim separately?

[dx100uk]

the PPI and the penalty charges are separate issues.

 

 

you should be able to easily see all the penalty charges in the statements?

[denysemarst1]

Decided today to work from the annual statements (much easier - I thought!)

again they don't make sense,

 

 

there are a number of 'litigation' charges and although the cost of these are stated in their t&c's (£250 I think)

there are three charges on the same day marked 'litigation' which amount to almost £800!

 

 

this was around the time I was in hospital in 2010,

surely they can only charge once?

 

 

Also the charges do not agree with the internal notes,

I know for a fact that they sent 'debt counsellors' to my home on at least 5 occasions throughout the loan (until I told them to stop)

yet there are no charges showing for this on the annual statements.

 

 

The new hearing set for 24/04/15 is for 20 minutes only,

 

 

I cannot see how this is possible due to the anomalies I have found,

 

 

should I let the court know this in advance?

[denysemarst1]

Also the PPI amounts to £1497.00

and they have recorded the interest rate at 16.4%,

 

 

should I reclaim this amount with the interest or just for the lump sum?

 

 

The PPI payments were added onto the loan (they have sent a copy of the original contract where it clearly states I am self employed).

[dx100uk]

you can only reclaim the charges listed in the statements

 

 

if you were taken to court

and those charges are within the time of a court case

then you cant reclaim them.

 

 

for the PPI look at link 1 below

 

 

the spreadsheet is at the end

 

 

dx

[denysemarst1]

Maybe I'm not explaining myself properly, the charges are listed on the statements, I just wondered why there are three charges all on 16/03/2010 amounting to almost £800 when it states that court action is £250! I will try and upload a copy of the statement so you can see what I mean, also no links on the last post dx?

[denysemarst1]

Does anyone know what an enquiry fee is please? There are 11 on the annual statements all varying amounts most over £60 some £34 and one over £70, I can't find anything in the contract which states anything about these payments and I never agreed to them! the last one was in April last year (and I was making regular payments to them then).

[dx100uk]

reclaim the enq fee

 

 

understand about the 3*legal fees

needs investigating.

 

 

sri no links

looks like this forum doesn't carry them.

 

 

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DX

RIP Martin3030

[denysemarst1]

Thanks dx,

 

 

don't know what the hell they are,

 

 

also they sent 3 copies of solicitors letters to me yet have charged me hundreds for these (apart from court costs charged)

 

 

I am going to upload a couple of documents for you to see,

 

 

interestingly the annual statement on 16/3/2010 has nearly £800 worth of 'litigation' costs but on the internal notes nothing anywhere around that date to say they have done it?

[dx100uk]

no that's pretty much std.

 

 

are these sols fees within the time scale of any litigation

 

 

dx

[denysemarst1]

I'm trying to attach a couple of documents but I don't seem to be having much luck