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    • Correct, my brother is the keeper and so VCS are suing him.    I've submitted the AOS in my name now and I can't change it... Could this be an issue?    Thanks
    • Hi recieved this letter it says there's an outstanding balance that needs paying on my Mother's old EE account.   Long story, on this  site somewhere, but the account was closed with the help of Ofgem and EE was maded to pay my Mother 50 quid as compensation for 'poor service'.   My Mum passed away last January, and I don't want to get into this with what I believe must be some kinda [problem].   I was a long time carer for Mum and I'm now suffering from Anxiety and depression. Don't want to get into a discussion with these people now.   Oh it threatens to increase the amount if I don't pay.   But I've got all the paper work from last time just too stressfull atm, still trying to get through one day at a time. Hope someone can help, lowest stress approach without them getting a penny.   Thanks in Advance.                                            Bob
    • Okay, you're not in any particular hurry so I suggest that you write to them and ask them if they will account in detail as to why they consider they are entitled to retain the entire £450 and whether they believe this reflects their administrative losses and if so you believe that you are entitled to a detailed breakdown of those losses. I would be careful about the letter not to couch it in terms which might be interpreted as an admission by you of any breach of contract. You can post a draft here if you want. I think that you can look forward to issuing a claim in January. I think it's very important to send the letter which I have suggested here and so I can't really see that you will be in a position to issue any claim until the New Year. It will of course have to be preceded by a letter of claim which you will probably send a few days after having received their reply to your enquiry – or in any event in the first week of January.
    • Will get to the post office now and avoid email.  Draft defence, feedback much appreciated;    I am the defendant in this matter and deny liability for the entirety of the claim. The particulars of the Claim disclose no cause of action against the Defendant on the following grounds:   1.    It is denied that the registered keeper of vehicle XXXXXX parked in breach of the terms of parking stipulated on the signage at Regents Retail Park on 16thSeptember 2018.    2.    No contract was formed or agreed between the registered keeper and Local Parking Security Limited. The contract between Local Parking Security Limited and the Landowner which gives Local Parking Security Limited the right to enter into contracts with the public has been requested and has not yet been supplied.     3.    This claim is has no legal standing and the case is requested to be dismissed under CPR 3.4.
    • I will try to break down the answers to individual points Thanks for taking the time to offer considered replies   RE admin fee offer I addressed this in post no 4, and was questioned as why I was offering , confused ! But I can revisit that with an offer , Not sent a LBA or formal letter as opposed to email as yet , which I can do   I have addressed the question of their losses in a roundabout way , they bleat on about it being , unfair that they kept a booking open for me , and would lose money by refunding me    Yet  in another message they tell me they had to turn down many requests for bookings , to which I have suggested they would have to prove they were not able to fill the vacant place at short notice ,so having  minimal losses  . I have covered losses indirectly .I will though ask directly for them to quantify their losses in this specific instance .   My daughter moving back home incurred  us or her no additional expenditure ,in fact for her , she would have had less outlay , think “bank of mum and dad “😘 With regard to claiming the whole amount , I take it I should address this in any CC action, then  indicating I will be  refunding the insurance company , as the kennel are already aware the insurance company have settled on half of the amount in question  
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saturdaykids

TSB/Lloyds TSB/ Now Lloyds

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This goes way over my head,

I have had a long painful complaint with Lloyds and do not want to bore you to death so will bullet point the occurences:

 

Mortgage taken out as first time buyers 1996

 

conveyancing solicitor did not perform completion and contracts signed over a receptionist desk no solicitor present.

 

transpires we purchased a property that did not reflect what was explained on the estate agents property description.

 

Lloyds wrote to me in 2003 and advised that the property was not registered with the Land Registry, they advised they would sort out and appointed a solicitor.

 

2012 I lost my job and later on that year my wife passed away.

I was sold a policy that covered "every eventuality" told the advisor I did not want it but he advised "it comes with the mortgage" (subtle)

 

contacted Lloyds 10/2012 to make a claim on the policy.

was told they could not locate account and I would have to write to the Cheltenham & Gloucester to recover account

 

they ignored my first letter,

sent a second letter this time recorded and copied in the first No response

sent a third letter recorded copied all in again still no response.

 

Six months had gone by

I stopped my mortgage payment and behold they contacted me,

the telephone number was the original office who could not locate my account

was advised that the account was there and there was protection on it.

 

I asked to make a claim

they intimated I might not be covered but said they would send a booklet out on how to may a claim.

No booklet was ever received,

Wrote and complained again and transpires I was not covered for these eventualities!

 

Complained about being miss-sold protection,

was advised after investigation they sold it fairly.

 

I kept on at them and they then said ok we miss-sold it.

they offered full refund of 16 years worth of instalment + 8% interest.

told them I wanted what I was told was covered for ("every eventuality")

and they should write off the mortgage.

They said no.

 

I kept on at them but was getting no where.

they failed to respond to a 21 point complaint letter only explaining themselves on 4 of the points and told me to take it to the FOS.

 

In sept 2015 although I kept on at them it was clear they were not interested in responding to the complaint

I wrote a letter of an offer to reinstate mortgage payment, they ignored it.

The legal letters started coming as I had not made any payment since april 2013.

( why did they not get a possession order)

 

I kept on writing asking why they were ignoring my offer, for months.

In the end I called the collections office and said I would not lose the property

asked them to give me a monthly figure to pay.

 

This was twice the original mortgage payment

I decided on selling the property as I felt their next move may well be possession order and a fire sale.

 

I received an offer on the property,

a third below the asking price but accepted it as I felt I would make more than a fire sale would give back.

 

After months of solicitors work

the buyer pulled out as there was no tittle on the gardens.

 

My solicitor suggested getting a possessory tittle on the gardens as it appeared the deeds were lost by the solicitors.

 

I have written to Lloyds and again complained as they had instructed a solicitor to carry out the registration who clearly failed and I was left with a solicitors invoice and no sale.

 

They have come back to me and offered to register the gardens and to offer a £500 compensation for this error.

I asked what tittle would be achieved the person was not sure as diff. dept.

 

I explained possessory/absolute, as possessory would still take value off the property.

She said they had the deeds so there should not be an issue.

 

This was annoying as my solicitor wrote to them October last year and asked if they had the deeds, they never responded.

 

my question is

 

what was holding them back from a possession order and any advice on how to respond to this offer they have made,

as I requested the mortgage be made void due to years of issues.

 

you would not believe the amount of failings I have left out but its already a small book. sorry for that

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Have you sent them an SAR?

why don't you get everything they hold first

then make a decision


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Hey DX,

I got a SAR from them March 2015, not sure what to look for.

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you asked...what was holding them back from a possession order


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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I've looked through the Sar and cannot find any indication of why action was not taken it was with there collections and legal team for a couple of years at least!

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unenforceable agreement.......????

 

they cant find it

or

this mis-sold protection invalidates it under CCA?

 

I believe in 1996 most mortgages were covered by the consumer credit act....??


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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so should I be looking if the mortgage was covered by the CCA and if so what then.

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have they send a copy in the sar?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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FfHey dx,

there is no copy of the mortgage contract and the covering letter with the Sar says:

 

"the majority of contracts we hold between the Bank and our customers are not held in relevant filing systems and are therefore not subject to the right of subject access under the Data Protection Act.

 

However where a copy of a contract is held in a relevant filing system or is held digitally in an automated system it will be found by our searches and will, of course be provided."

 

but there are sheets headed MTG02 MORTGAGE ACCOUNT DETAILS which has a section showing CCA Regulated Subs N and MTG03 SUB ACCOUNT LOAN DETAILS with section CCA Regulated Loan N.

 

Which suggests not CCA regulated.

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unenforceable agreement.......????

 

they cant find it

or

this mis-sold protection invalidates it under CCA?

 

I believe in 1996 most mortgages were covered by the consumer credit act....??

 

No....... they were regulated by the FSA...Under the CCA 1974, s16 defined the exempt agreements, including mortgages. However CCA 2006 introduced an amendments lifting the threshold of 25K

 

Andy


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Just looking through my file letters from Lloyds

they were threatening legal action since November 2013,

 

I started payments approx. Sept 2017.

there must be a reason unless they just have too much on their plate which I would not believe the way banks act now.

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