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    • I'm trying to unravel this – but I get the impression that there was no contract between you and EVRi and that you didn't even choose them but instead you decided use some third party parcel broker in the USA which organised the delivery. Is this correct? EVRi came into the picture because they would then eventually selected for part of the journey although you had no knowledge that it might be them and I suppose it didn't really matter as long as the item got to you. Secondly, I really don't understand the journey which this item made. You bought the item from somebody in the USA. They then were meant to dispatch it to you to another address in the USA but for some reason or other it came to the UK and then into the hands of EVRi at which point it was lost or stolen. More confusion here because you now tell us that EVRi marked it as being out for delivery but it was never delivered. This suggests that it was going to be delivered to a UK address but earlier on you said that it was going to be delivered to USA address. I think you need to look at the story. Maybe show it to a friend of yours who is not particularly where the details and ask them if they can make head or tail of it and then come back to us with clarification so that we fully understand. Also, I think we'd like to know what the item is, how was it declared, what was the value which was declared. You said it was a valuable item because it was rare and collectable. I gather from this that it is non-fungible. We need to understand more about this. Was an insurance policy purchased to cover it during the delivery process. I understand that this rare and collectable item be valued at £200. Have evidence this value. This could become very important. Also you have given is no idea when this happened. We need to understand the full timescale. There are a number of possibilities here including the possibility of the contract action against EVRi on the basis of your third party rights or an action for negligence but we need to know far more and we need to get a story that makes sense.   Finally, I understand that you have sent the letter of claim. What did it say? How much time did you give them? What did you expect to happen as a result of the letter of claim? Whatever the answers to those questions might be, clearly you had no idea how to proceed after having sent such a letter. A letter of claim is meant to be a serious threat of some legal action if some condition which you have stipulated is not complied with. You set a deadline for compliance and at the end of that deadline you issue the court action. Clearly you are not in a position to do that so your letter of claim is a bluff and undermines your credibility and it will find its way into the EVRi wastepaper basket – if it's not there already.  
    • Good morning. I just wanted to check something please. The other side have moved slightly and negotiated a full and final offer price to end this matter. I am happy with this. However, I want to make sure this is the end of the matter and am emailing the following over to them prior to payment. Is this enough to ensure they can come back for nothing else? Thanks -------------------------------------------------- Dear Sir.   With regards your last email below.   I am pleased to agree to the full and final settlement figure given below.   Can you confirm this payment will be in full and final payment with no further claim to be brought against me in this matter?   Best regards
    • 100% sure I didn't receive it, that why my first post is with the £100 letter.
    • Engine, the technology business Starling Bank was built on, has been busy launching banks around the world, from Romania to Australia.View the full article
    • use this your WS and inc this as an exhibit off to bed now 3 nights been up till 4am aurora watching wont be on too early as it's lambing season out herding with the dog. your WS main thrust is the debt would now be SB'd , the DN was filed xxxyrs+months after it should have been thus unlawfully extending  SB date to infinity. highlight their admittance regarding errors at that time period in your 'redetermination'  paragraph. agreements unreadable. would have already been written off due to SLC age write off criteria has they not issued the claim to stop the SB clock when they had no paperwork to prove their case in the 1st place. never earned over threshold. dx       Erudio - stopped sending email deferments won at FOS DRN-4141462.pdf
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      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.

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Black Horse Secured Loan / 2nd Mortgage arrears dispute FOS complaint


Baz1994
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5 How are second charge loans approved by the first charge lender?

 

This is quite complex. Some lenders will put a ‘restriction’ on the title (i.e. property) at the Land Registry preventing the registration of subsequent charges without the lender’s consent. However because of administration difficulties many no longer do this. Instead, a ‘unilateral notice’ may be used to protect a second charge on the register even if there is a restriction.

 

Where a lender does not use a restriction there is no need for the second charge lender to obtain consent.

 

[ATTACH=CONFIG]61952[/ATTACH]

 

Here you go, this should answer your question and it would appear there is nothing to be concerned about :)

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks citizenB

 

Could you kindly advise where you found this information ? Tried to click on Attachment but will not allow me to look at.

 

Ok so original lender is Bank of Scotland (1st charge).

 

1st Secured Loan / 2nd Mortgage is BH (2nd charge).

 

2nd Secured Loan / Personal Loan is WFS (3rd charge) with restriction on LR.

 

Am I correct in saying that BOS entered the restriction and therefore no consent was required for WFS to enter their charge ?

 

Just trying to get my head round all this thanks.

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I have added it for you in pdf format rather than a link.

SN04837 (1).pdf

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I have added it for you in pdf format rather than a link.

 

Thanks citizenB

 

Very much appreciated and I will have a read.

 

So if original lender has entered a restriction, would the 2nd and 3rd charge need their consent ?

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  • 3 months later...

I just wondered if anyone had any further comments to the above thanks.

 

Latest is that we are now being constantly chased by Skye regarding disputed arrears amount.

 

Skye Loans are still refusing to accept Account in Dispute letter and are adding fees every month.

They still cannot provide evidence of the original arrears amount.

 

They are now pressurising us on a daily basis with threatening letters

and constantly calling my OH mobile number in which we believe was given by BH.

 

She eventually answered it and had a conversation with an Arrears Officer at Skye

who was rather rude to say the least and had my OH in tears.

We are now extremely worried and concerned.

 

They said if arrears not paid then they would start court action

and asked if we had any equity in our property to sell our house to pay of disputed arrears amount of approx £2,600 !

 

My OH said that the balance keeps increasing even though she has been making regular monthly payments.

They also suggested that if amount is increased then it will be paid off by end of term of original loan.

 

They have now today sent another letter asking us to complete an expenditure statement,

to provide 3 months pay-slips and bank statements within 7 days.

They also say that they will continue to add default fees whilst the account still has arrears.

 

Now both of us are at our wits end what to do next especially as we are now being constantly harassed.

 

We are sure something does not sit right with this but don't know what to do next.

Do we need to complete what they have requested or agree to demands for bank statements ?

 

Do we need to send a SAR ?

 

We see that Skye are regulated by the FCA.

 

Any help would be very much appreciated thank-you.

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You must stand up to them

 

Yes Sar

Yes get reclaiming

I think its time for a CCA too

Something smells here

 

Can we have the full history with dates please

 

Stay off that phone!!

Block them

If they could do any of what they say

They would do it

Not willy wave!!

 

Who's name is on the land registry now

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ok thanks again dx

 

I will collate and respond in detail as soon as possible with dates etc.

 

I have attached edited BH agreement details.

 

Now Skye Loans Ltd on Land Registry.

 

Shall I draft up another account in dispute letter regarding the arrears and claim back charges ?

 

Cheers for looking

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Not exceeded upload limit again have you?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Stupid tablet ...war.

 

SAR them yes

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes Ford and now things have moved on.

 

Skye are pressurising us now regarding arrears.

 

Monthly payments due are being made but interest keeps increasing.

 

Not a nice outfit to deal with according to my OH.

 

Ignoring Account in Dispute Letters, requesting that we sell house / equity to pay arrears.

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threads merged.

 

 

this whole debacle smells

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

the address on their statements will do

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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reg'd office London 40 dukes place?

no not a dca

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Well after further discussions with my OH, it now transpires that Skye were quite threatening to her on the telephone last week.

 

She didn't want to tell me (as would have angered me) but they even suggested that we rented out one of our rooms to pay-off arrears. This was in addition to telling her to sell our property or they would issue court proceedings. She said she was in tears and very upset on the phone but they continued to ask her what she was going to do about it.

 

Anyway they have sent another letter received today demanding that we return the enclosed I & E sheet, 3 months payslips and 3 months bank statements within 7 days.

 

We are happy to send back I & E details but are we obliged to respond with other details requested ?

 

My OH has been making the regular monthly payments to Skye and any arrears with them have been cleared.

 

Now on reviewing previous written correspondences further to our Account in Dispute letter, Skye did not provide evidence regarding the arrears amount apart from stating the amount.

 

They actually say that it should be referred to BlackHorse as it is not their issue ?

Also they still keep adding default fees / charges and interest even though we requested not to do so.

 

As previously advised I have sent a SAR, especially requesting telephone conversation details

re the day concerned as my OH was advised that it was recorded.

 

Should I now send a Formal Complaint letter,

including the above mentioned incident and remind them that they are regulated by the FCA ?

 

Any help would be appreciated.

 

Baz

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pes i'd not send them anything.

 

 

what they sai on the phone is out of order

and they would never repeat in a letter.

 

 

somethings wrong with this loan

can you scan up all the paperwork again.

its gone since the crash[you might have to rename the file first]

as old filename wont be allowed to be uploaded again.

 

 

formal complaint yes.

how much of this arrears are fees?

how much is outstanding

 

 

trying to gather why they are simply threatening

and being forceful rather than taking things to court..me thinks they cant

hence why BH sold the loan

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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A belated thanks dx had to pop out.

 

I will start drafting complaint letter and should I head it up as a formal complaint ?

 

Agreement all loaded now. One sheet no copy of Terms of Agreement mentioned overleaf.

 

Secured loan but apparently unregulated.

 

I am just going through BH statement of account that was recently sent by Skye but no breakdown of arrears. Do they need to still provide breakdown of arrears ?

 

Also checking fees / charges added.

 

I wondered this as BH had never previously put any pressure on us. There again monthly payments were being made but no proof of arrears.

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Just an afterthought

 

On checking letter details received from Skye,

I see that it states that this mortgage is being serviced by Capita Mortgage Services Ltd,

in which are authorised and regulated by FCA (306235).

 

Sorry for daft question but are Skye Loans Limited therefore registered / regulated ?

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