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    • Hello,   I've recently been awarded PIP for a degenerative condition that has worsened & I'm finding it entitles me to more help with things like council tax, but is there anything else i can now apply for or that i could be able to get more support with now I'm on PIP? 
    • Hi all,   I had an Lloyds bank overdraft in 2019 with the overdraft amount being £1350 maxed out by December 2019. I had left the account alone for two/three months as the overdraft fees were basically ruining me(Adding to the £1350 overdraft), i then received a letter from Lloyds asking me to phone them regarding this debt (This was January 2020). I had phoned Lloyds and we went through an expenditure on the phone and the outcome was i was to make payment of £30 towards the debt for 6 months and then after the 6 months is up they would get in touch with me to discuss further options. (There was mention in January that after the 6 months there was a possibility of a loan to pay of the remaining balance and then you make payments against the loan for however many years/months you choose.) It is worth noting that whilst i was making these payments they seized all interest on my account.    I have made every payment since January and have gradually managed to reduce my overdraft down to £1200. My problem is that the bank have phoned as it now at that stage for re-discussion, they have asked me to go through another expenditure and i panicked and over estimated things to make it look like i had less income; not loads but i was in a deficit of -£47. Due to this they said they could not allow me to take out a loan as it would only mean i was borrowing more to pay of debt which they would not allow. It then got passed over to another team and he said that i only had two options. Take a one month break with all interest etc stopped and this will allow me to seek financial advice elsewhere, or they said they would default the payment and i can then pay the minimum i can afford but the default would stay on my credit file for 6 years. He mentioned that they wouldn't take any money of me to help clear the debt as i had a deficit of -£47 and that shows i financially cannot afford to do that option. I have looked at the effects a default can make to your credit file and it impacts it tremendously.   Lloyds asked me how i cover my expenses every month and i mentioned that my Grandparents help me out sometimes with cash flow. So the gentleman at Lloyd's suggested going away and asking my grandparents if they could contribute money to me to help aid in my debt. so that he could go back to the original team(I think collections team) and say she now has this ____ He is due to phone me on Thursday (Tomorrow). I can afford to contribute probably £50-£80 a month but it would mean cutting down on fuel and some other expenses.   Its worth noting that i have a credit card with Nationwide maxed to £1000 too and this will soon be at the stage where they charge interest and i cannot afford to clear this either. Is this worth writing to them about?   Is there anyone that can advise me on what to do to help me pay as little as i can and avoid the default PLEASE, any help is really REALLY appreciated.   Thank you all in advance.
    • In terms of whether or not this is a private sale, clearly it will be for a judge to decide. It seems to me that we have somebody here who bred a litter of puppies and has sold several of them or all of them at probably around £1200 each. I think that is very different from selling your own private second-hand car to get what you can for it in order, for instance, to buy another one. Anyway it's for the judge to decide. In terms of whether or not the seller is aware of the defects – if they are a private seller – all it really means is that they are not subject to sale of goods legislation so that a purchaser in a private sale does not have specific protections. After that you have to fall back onto the common law of contract and once again I think that the liabilities are reasonably strict and I still think that even in a private sale if you bought something with defects which was represented to you as being without defects then you would probably have a good case. In this case, the dog has been accompanied by a health certificate and I think that is as good as any kind of representation dog is without defects. I think we are coming to an altogether more interesting issue. Apparently the dental defect with this puppy is observable and could have been detected by any reasonably careful examination carried out by a reasonable professional. But apparently also there is the possibility that there may be a more complicated problem which could be addressed by work costing up to £2000. What I'd like to know is whether this more complicated problem is as a result of the failure to spot the initial problem. Even if the initial problem had been spotted, with this still be a possibility that this more complicated work would be necessary? I suppose what I'm getting to his that at what point does one decide that a defect is an unacceptable defect or simply a risk that comes with purchasing all animals and therefore could still be considered as "satisfactory" because it would meet the reasonable expectations of any reasonable pet owner. To put it bluntly: are we saying here that if you buy an animal is less than genetically perfect, that you are purchasing defective goods and you are entitled to a refund? Does this mean that all animal traders are obliged to ensure that all the animals they sell are genetically perfect? This is dangerous territory: eugenics.  
    • a dn can be issued even on one default payment.
    • I think I still remain to be convinced that a court would not find the seller's offer to take the puppy back and give the OP a full refund both reasonable and acceptable.   Ignoring that this is the sale of a puppy, isn't this more akin to the private sale of a second-hand car?   I don't really know what the phrase:  "I recently bought a puppy from a home breeder. They have never breed dogs before and aren't a licensed business" means.  Is this a business to consumer sale, or is it simply the opportunistic private sale of puppies from a domestic litter?  I think the OP needs to establish this because it's not clear to me - yet.   AIUI, if I as a private individual privately sold, say,  a car with umpteen non-apparent faults or defects with it, but I was honestly unaware of them and could not be expected to be aware of them, then I'm not liable for any breach of contract when those faults and defects manifest themselves to the buyer a week later.  Isn't that what worried private sellers of cars are told here when aggrieved purchasers threaten to sue them?  It's not immediately obvious to me why this is necessarily any different - unless this is clearly a business to consumer sale.   The OP also says:  "Our puppy was sold as having passed a full health check from Vets4Pets", and so far as I can see this isn't disputed.  Unless that health check revealed the dental problem the OP is now complaining about, but the OP never was shown it (seems unlikely that the seller would mention it but not make the results available), then I think the seller may well be entitled to rely on it.  What more could they do to ascertain the health of the puppy?   I think this is not necessarily a clear-cut claim, and from the way the OP describes the breeder I think the question whether this is a consumer sale or a private sale may not have a black or white answer.     1.  The OP mentions following advice to buy puppies bred from a "home pet" (or similar such wording).  Not clear if this was the case here, but if it was, doesn't this suggest a private rather than consumer or trade sale?   2.  The OP also suggests that the health of the puppy was misrepresented, but is this necessarily correct?  They say the puppy was advertised as having had a "full health check", but that's not the same as saying the puppy was actually healthy.  And if it was a private sale, is the seller required to declare health problems they are aware of if they aren't specifically asked?
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123fat

Nationwide Partnership mortgage

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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.

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Please is there anyone out there that has taken the NHS partnership mortgage with Nationwide.

Who has either taken them to court and won or lost their case. Would be great to connect with someone who has been dealing with them regarding the equity share as we are at the moment .

 

thanks

123fat

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Hello and welcome to CAG.

 

Could you tell us more about what has happened to you please? That should help us to advise.

 

My best, HB


Illegitimi non carborundum

 

 

 

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Please is there anyone out there that has taken the NHS partnership mortgage with Nationwide.

Who has either taken them to court and won or lost their case. Would be great to connect with someone who has been dealing with them regarding the equity share as we are at the moment .

 

thanks

123fat

 

Hi 123fat,

I am in the middle of trying to get Nationwide off my back and get my house from them. I have paid the mortgage, but they are looking for a % of the equity of my house. I too have a partnership mortgage or in my eyes had. I still believe once the mortgage had been paid the partnership should cease. Is this the same with you? Where are you up with them. I would be happy to try and get in touch with as many as possible and look at taking a collective case against them. My mortgage ended in Aug 2014, I had it attached with an endowment policy which did not cover the mortgage, I had a shortfall of 30thousand. Nationwide threatened to take me to court for non payment of the mortgage. I had a double wammy. I had to borrow the shortfall of the endowment and paid it to Nationwide. Then within days they were looking for the % of the equity- 45.5%. I have tried Ombudsman, waste of time and effort.

Do get back to me.

Bonnie Mac

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Hello! I`m in a similar situation. Retired Nurse and have lived in a small attic flat for 30 years. The Mortgage term has ended but Nationwide demand 136.5 when sold so feel I`m trapped her for life. Was it misselling or legal?

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I would love to take them to court but don`t have the financial means to do so. We were conned into a trap which has only benefited Nationwide.

I feel doomed to stay here forever as I can`t see a way out. May be live in a caravan.

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Hi Kanga65,

Just got your posting today, I posted my bit back in 2016 and am still trying to get rid of Nationwide! Am happy to ring you if want and I can fill you in on "my story".

 

However I do know you may not want to put a number out, so in a nut shell, I had to get both barrister and solicitor on the case and it seems Nationwide have us stitched up!

The recommendation I got was not to go to court. I am now trying to negotiate and am at the early stages. I am not sure what to advise you to do, am happy to give you my contact of legal eagles so you can chat with them.

Bonnie Mac

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no off thread comms please

read our rules!!


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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sorry for off thread comm!

Bonnie Mac

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Hi Kanga65,

Just got your posting today, I posted my bit back in 2016 and am still trying to get rid of Nationwide! Am happy to ring you if want and I can fill you in on "my story".

 

However I do know you may not want to put a number out, so in a nut shell, I had to get both barrister and solicitor on the case and it seems Nationwide have us stitched up!

The recommendation I got was not to go to court. I am now trying to negotiate and am at the early stages. I am not sure what to advise you to do, am happy to give you my contact of legal eagles so you can chat with them.

Bonnie Mac

Thank you very much. I think the lawyers are probably expensive. It`s a pity the Press doesn`t expose them. It`s not the best way to spend retirement trapped in my flat after spine op and joint replacements.

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Hi Kanga65,

Totally agree. The only thing is if you go with the ones I have been using, they will already be "in the loop" and do not need hours getting their heads around it. They may also be able to help with negotiating. Remember, they still have a hold on your property, well they do on mine. Take care.

Bonnie Mac

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Thank you! Yes please send me their details so maybe I could call them. I`m desperate to get out but fear I`ll end up homeless.

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please read our rules gentlemen...


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi Kanga65,

I have just emailed my solicitor to see if it is ok with him to put his Firms name on this site, lots of things I am not sure about posting here! so do not want to get anyone into trouble. There is not doubt the legal advice is expensive, but look if he agrees, he will already have the gist of mine and I suspect strongly it is very similar to yours. If he agrees, and to be honest I do not see why not... two cases are better than one. However we will obviously be at different stages so let's just see. I will keep an eye on the blogs.

Take care

Bonnie Mac

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Please do not post the name of your Solicitor here on the open forum...you can PM it to any of the Site Team.

 

Regards

 

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

 

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

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Hi Andy,

thank for reply.

 

What does "PM it to the site team mean"? and how do i do this?

 

Is it possible for site team to give me phone number of Kanga65 if she wants too??

 

Or can I put a phone number up here for Kang65 to ring me???

 

I know too many questions........!

 

Bonnie Mac

Edited by dx100uk
Spacing

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Click our username on the left

 

No we cant exchange private numbers

And no you can't post it here


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Click our username on the left

 

No we cant exchange private numbers

And no you can't post it here


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi Kanga65,

I an not sure how we go about me / you contacting it seems I can not put up a contact number! I am not sure if you have a public phone near you? I know all in my area are gone, I thought that might work ? If you have any ideas or suggestions let me know

Bonnie Mac

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as said thru the siteteam we are willing to forward your solicitors details simple click our username on the left


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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you should have something called a supplementary agreement with this mortgage and terms and conditions are on this .

Do either of you have it?

Im trying to find mine ...

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