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alisonf vs Bristol and West


alisonf
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Yep.. looks like that is the only route now. Be aware though, there is a possibilty of it going to fast track, which means if you lose you may have the defendants fees to pay. I think this is limited to £750 though.

I will have to check again when i get time tomorrow.

 

Good luck

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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I am debating if I should go for £4999.99 and stay off fast track, but the other hand is I need that money (and it is mine so I should go for all of it)

 

At the moment I am renting out my flat and moving to another town so I do not have time to file the court claim for the next week or so.

 

I am also not sure if I file in Brighton(where my flat is) or file in Camberley (where I am moving to)... Any advice?

:?

09.12.2006 B&W LBA sent

 

22.11.2006 B&W prelim letter sent asking £5500.32

 

23.11.2006 TMB S.A.R - (Subject Access Request) sent

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I have been reading the threads regarding B & W with great interest.

 

I am about to move after two years and a few months with Bristol & West. Unfortunately I am going to be hit with a £5000 Early Redeption penalty charge. This is our first house as we are living in a 1 bedroom flat at the moment and its driving us both mad with the lack of space.

 

We could really do with the £5000 they are trying to take from us for furniture and its such a lot of money to lose. Is there any way I can avoid paying this money before everything goes so far down the line that I will have to pay and look at trying to get it back at a later stage.?

(Obviously without me getting blacklisted forever more!)

 

I am prepared to claim at a later stage if I have to if necessary but if I can avoid having to pay it in the first place that has obviously got to be better.

 

Please help I am meant to be moving at the end of Jan 07 and all I want to do at the moment is cry at the thought of the amount of money I will be losing.

Thanks xx

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I think (I maybe wrong) that its has to be paid out initially then claimed back:-| sorry! I got our solicitor to get a letter from them (at the time of changing the mortgage) stating how much the ERC would be so that I wouldn't have to do the Data protection request.

 

I paid it out then started sending the letters a couple of weeks later.

 

UKAviator and Zootscoot know a lot more about this than me, they are far more wise in the world of Law!:D

09.12.2006 B&W LBA sent

 

22.11.2006 B&W prelim letter sent asking £5500.32

 

23.11.2006 TMB S.A.R - (Subject Access Request) sent

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Alison,

 

Thank-you for the advice. I think I will direct my solicitor to this site and have a word with him get things ready as soon as we have paid the rdemtion penalty. I will check out the other threads you suggested though. Thanks again.

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I am debating if I should go for £4999.99 and stay off fast track, but the other hand is I need that money (and it is mine so I should go for all of it)

 

At the moment I am renting out my flat and moving to another town so I do not have time to file the court claim for the next week or so.

 

I am also not sure if I file in Brighton(where my flat is) or file in Camberley (where I am moving to)... Any advice?

:?

 

My opinion is that Fast Track would cause far more problems for them, than any outside chance of a cost implication to yourself - of course such costs would only be possible if you were to lose, and it would be limited to £500 anyway.

 

It is also worth noting that a claim for £4999.99 would very likely be pushed into Fast Track by the judge at allocation anyway. B&W would also use the argument that you were simply trying to avoid costs, and that the complexity of the case warranted Fast or Multi-Track.

 

Be warned, B&W play hard-ball for as long as they possibly can. They will use any weakness they spot against you, until they eventually are forced into a corner and have to seek a settlement.

 

It does not matter which court you file at - just decide which is the most convenient, and make sure you give your reason on the Allocation Questionnaire.

 

 

 

 

 

 

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I sent B&W a letter on 2nd Jan, pretty much the same 'template' as Alison used.

Today I recieved a reply from Mrs Tucker.

Again, pretty much the same response as Alison.

 

What should I do now?

 

Wait til the 14 days are up and then send an LBA? Ill start my own thread and type in the letter (minus the names etc ;) )

 

I appreciate any feedback on my letter(s).

 

Thanks, FS

 

http://www.consumeractiongroup.co.uk/forum/mortgage-companies/57867-fullyskinted-bristol-west-erc.html#post483772

Barclays :- Settled March 07:o

 

RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???):confused:

Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

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  • 3 weeks later...

Just came on line for the first time since the move to see what was happening. I was going to file my court claim in the morning but just read jamorgans thread and terrified now....

 

 

DO I still go for it? Are there people on here willing to hold my hand through this if i do??? HELP PLEASE!

09.12.2006 B&W LBA sent

 

22.11.2006 B&W prelim letter sent asking £5500.32

 

23.11.2006 TMB S.A.R - (Subject Access Request) sent

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http://www.consumeractiongroup.co.uk/forum/mortgage-companies/announcement-center-bbc-request-help.html

 

I have decieded to contact dominic littlewood and see if he is interested in my little ERC problem.

09.12.2006 B&W LBA sent

 

22.11.2006 B&W prelim letter sent asking £5500.32

 

23.11.2006 TMB S.A.R - (Subject Access Request) sent

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Maybe we should all contact him....

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Go for it Dolly the more people who contact them the more they will realise this is a BIG Consumer issue for ALOT of people...

09.12.2006 B&W LBA sent

 

22.11.2006 B&W prelim letter sent asking £5500.32

 

23.11.2006 TMB S.A.R - (Subject Access Request) sent

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If only a quarter of CAG's member contact him thats still 25 thousand people... and taht would really put the fear in the mortgage companies....

09.12.2006 B&W LBA sent

 

22.11.2006 B&W prelim letter sent asking £5500.32

 

23.11.2006 TMB S.A.R - (Subject Access Request) sent

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This sounds like a good idea Dolly...get a hearing on national TV. Have you done this yet Alison? What about starting a thread encouraging people to do this? If we could get say 20 people, they'd have the potential for a very interesting show.

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I am talking to a bloke named suneil about it... the more emails the better.

 

I emailed zootzcoot and bankfodder just now to ask if was ok

09.12.2006 B&W LBA sent

 

22.11.2006 B&W prelim letter sent asking £5500.32

 

23.11.2006 TMB S.A.R - (Subject Access Request) sent

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