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    • ok well next time never use email esp when entering into what seems like pointless letter tennis on your behalf.?when you had no real need to reply to them in any manner or form.   it only encourages them you are a mug and gives them a free way to intimidate and harass you by email.   get some kind of records from saas/slc on what they believe is your current status as they do still do the Adminmost of these loans .      
    • ignore ...yes its not a letter of claim from a solicitor with their client being the Uni. until/if you get one of those pop back here.   no-one can add anything to any debt ...so can't increase it.   nothing to do with 'credit' but yes ofcourse you can request and they will have to produce all paperwork inc how they dealt with your dispute if the time comes and they move to court.   redwood or harwood are good names to put in our search top right in the red banner.        
    • Someone that specialises on the subject might be a better way to put it. 
    • Vauxhall's parent company has previously said its fate depends on the government's commitment to the car industry. View the full article
    • Apologies I hadn't seen that uploads need to be in PDF.   I have received the attached letter from STA which I assume is a standard letter as I've never spoken to them on the phone. I'm not sure what they mean by 're-commence recovery action'? Do I just continue to ignore them?   I have been in contact with the Uni who insist I need to pay the fees as I left the course after the first three weeks. They have not provided any evidence/documents that I signed an agreement to pay the fees or that I acknowledged that fees would be due if the course was left early. They referred me to their website which undoubtedly has changed since I was there.    I appreciate I shouldn't reply to STA however I'm not sure how to proceed with this overall.   I've read the claim form page and I'm not clear if I can request a copy of a credit agreement from the Uni as I'm not sure if its standard for a University to have required a credit agreement to be signed?    I'm not really clear what happens next and at what point I need to act. I've read about lots of different cases (fee related and non fee related) but can't find information on a case that is similar to mine. Do I wait until the Uni begins a formal action? I am concerned as I don't want the amount to increase from the already significant amount they are demanding.     Many thanks for any help you can offer.  staletter.pdf
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Mortgages 2 Has Started Court Proceedings to Repossess My Home

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as fi they dindt know they are taking you to court!


Send them a copy of the mortgage agreement and says that the ICO says this is good enough to prove identity as they have a duty to know their customer so they shouldnt need to ask you for any further proof.


also send a second letter demanding to see the same under CPR 31.14

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I have a copy of the original mortgage agreement.

The signature on that and the signature on my SAR letter are so similar as to be almost copies of each other!


Only an idiot or a desperate person (or a crook) could assert that these signatures were not from the same hand!


I have written back to them with images of both signatures and have told them to spot the difference.

But I have also sent them a certified copy of my passport, so that - from this point on - there can be no doubt whatsoever as to the validity of my identity.


The certification cost me £10.50 and my train journey to an officiating Post Office where I was able to do so cost £3.40, so I will be adding this onto the bill, together with the 2 x £1.77 for the two sets of signed-for letters (subtotal £17.44) which will be added to the cumulative cost of Mortgagesplc's illegal charges plus 8% statutory interest over the years that they have been illegally charging me.


Should come to a nice little sum!

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  • 2 weeks later...

I sent off the SAR a couple of weeks ago and I get a letter back from Mortgages 2 saying that the signature on my SAR letter and the signature on that they had for me were not the same.


I checked my signature on the original mortgage application, and I looked at the signature on the SAR letter and it was quite clear that they were by the same person in every way imaginable!


I wrote to them about this, sending them a screenshot of both signatures, and, of course, they conceded that I was quite right (they had to - I'm not copying the screenshots here for security reasons but they are like two peas in a pod!)


I also had someone from Mortgages 2 phone me to make a grovelling apology, saying that they could follow this up with an internal investigation if I wanted.


Knowing that they were playing for time with their ridiculous claim I smelled a rat here.

Surely an internal investigation would hold up the process of the SAR.

So I said I just wanted the SAR process to proceed as quickly as possible.


I should get the full documentation from them by the 25th August.



The cheek of these people!

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Have you got a copy of the court order yet? You probably think I'm banging on about nothing, but IF they have a Suspended Possession Order you need to make sure you are very clear on the conditions because if you don't adhere to them then they can reapply for possession with very little formality.


Anyone here know the process to get an SPO eventually lifted, or does it hand over you for the remainder of the mortgage term?

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You can if youve cleared the arrears long ago in some cases

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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You cant lift a SPO....the lender’s right to enforce never falls away once they have the Order...its merely suspended providing the borrower sticks to its terms.Should the borrower default again the lender can enforce the possession Order by way of a Warrant....


There is no authority to suggest an SPO can be discharged on clearance of the arrears.



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I received the details from Watford County Court only a few days ago. The undated, unsigned letter - apparently par for the course at Watford - was accompanied by the Order for possession (mortgaged premises) (suspended) which stated that:


  1. The defendant give the claimant possession of [the property] on or before [date].
  2. This order is not to be enforced so long as the defendant pays the claimant the unpaid installments under the mortgage of [sum] by the payments set out below in addition to the current installments under the mortgage. [Then gave details of payments, which I had already put in place over three months prior to the hearing.]
  3. The monetary claim to be adjourned generally with liberty to restore.

Point 3 could not be more ambiguous if it tried.



I also had to bring my mortgage payment date forward from the 5th of the month to the 28th of the PRECEDING month in order to comply with point 1 (because the shortest month only has 28 days and I could not risk a default before the payment of the 1st of the following month), which effectively meant that I was paying two sets of mortgage payments in the same month!

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