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    • I think that rather than right, you should first of all telephone. However read our customer services guide. Implement the advice there. Then telephone and have a conversation which leads round to the loan and whatever agreement there might have been to repay. Get it recorded. Then write to him and asked him to confirm the telephone conversation. If he confirms it then you are on your way. If he doesn't confirm it or denies it then it becomes even more interesting and I think that you will properly have you more leverage. You say that you believe that you lent the money to the company and that the company has now sold. As long as the company has been sold and not dissolved then the loan to the company is still current and the company debt to you is still current. I think the first senior to do is to get the evidence – and I think you should follow the advice that I have given. The fact that the person has stopped contacting you is extremely troubling. The fact that the company ownership was transferred is even more troubling and so I think that you are dealing with somebody who is trying to be slippery about this – and so your way forward is clearly that you also have to act it in a slippery way. Come back here when you got the evidence and we will help you to the next step
    • Met usually use ANPR and get the timings massively wrong so they will be timed out. they must have used CCTV to watch the vehicle occupants "leave" and this is probably a breach of the GDPR as it wont be one of the specified reasons on their licence to spy on people so will breach protocols 1, 2 , 3 and possibly others in the list of the 8 main protocols of data protection.   It also breached the POFA as the timings are wrong so no keeper liability anyway.   The wording they use refers to the liklihood of the issuing of a NTD and thet never happened so the 56 day limit isnt applicable. My advice? ignore them as they rarely do court because they know they are incompetent
    • sorry, I meant to say UNLESS  so yes my answer reads the wrong way round
    • the terms in the contract will in many cases be unfair and thus you will be entitled to the bonus and there is case law on this. However, it is not a simple matter to resolve as it will have to take into account what the contract says and what the normal practice and expectations are for the bonus scheme. For example, Jhn Lewis pays out to anyone employed there on the relevant date so leave the day before and you lose out becasue it is a partnership and you would no longer be a partner. No schemes that withold bonuses until a certain time of the year MAY have to pay out but if your bonus is for the quarter that your resignation fell in then probably not. If it was for say Oct-Dec then you will ahve fulfilled the requirements of a qualifying period regardless of the contract saying no bonus and would more than likely be successful in a claim to recover such monies. A scheme that has been running for soem time would be part of yoru contract even if there is nothing specific included in your paperwork as it becomes implied as part of the conditions you agreed to when joining to co and staying there.   i know this doesnt give you a definite answer but hopefully makes it a little easier to see how your situation may work out
    • You have a big problem and that is proving the debt. for a debt to be created there must be an agreement that the money will be repaid, how and in what time frame. As far as the law goes you either gifted the money or loaned it in a way where you cant take civil action to recover it because there are no explicit terms. Now the BUSINESS doe owe you £2k and the debt will have passed on to the new owners but you still cant take steps to recover the money other than to ask the new business owners for it. They may deny the debt and you will be impossibly placed to prove it because there is nothing in writing. Proof of money transfer doesnt prove the debt exists nor how it should be repaid even if it did. you will lose a court claim due to the lack of paperwork showing how and when the repayment should take place. Sorry for your predicament but you are where you are
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rijohughes

Together Blenheim finance

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Hi all, I have a mortgage that started with Lancashire mortgages, this was taken over byTogether a couple of years back.

 

I had taken the mortgage out on a block of flats for £200k plus the £4k costs added by Lancashire mortgages.

No accounts were required and just a copy of a valuation I had paid for was used.

My story is that after a few missed payments due to financial difficulties and Lancashire Mortgages trying to repossess

I found the money to repay the outrageous charges and get back on track.

 

Today I received a letter telling me that I now owe £61,000 in outstanding fees, and the mortgage would not be paid as and when it should have.

I have been paying £2200 per month for the last 11 years and still owe £203,722 to date.

 

The charges include £500 per month arrears charge, issue of demands charges of £500 a time and the usual £35 per phone call and letters together with repossession charges added on top of the charges I had paid.

 

I have been given one month to pay in full!!

Could anyone help??

Many thanks for your time.

Edited by rijohughes
Misspelled title

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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, the whole DCA industry would collapse overnight.

 

 

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Good afternoon, yes the amount should have read £200,000.

Thank you for your reply.

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edited

 

so you first port of call is an sar get everything anyone that's deal with you hold.


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, the whole DCA industry would collapse overnight.

 

 

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Good afternoon,

I received an up to date account statement from Together earlier today,

I have run the figures through the Compound interest calculator found within this group.

 

The figures show an amount of charges of £25,465.00 and an amount of compound interest £21,914.20 giving a total of £47,379.20.

 

Could you please tell me the next steps to take?

I was also wondering why Together are telling me the amount ourtstanding to bring the account in line with the original term is £61,498.92.

Thanks for your help.

Edited by dx100uk
spacing

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the spreadsheet only gives you a rough idea.

 

which did you use the CISHEET


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, the whole DCA industry would collapse overnight.

 

 

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don't usually find it that wrong

but is it GIGO causing the error?


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, the whole DCA industry would collapse overnight.

 

 

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Sorry but I'm not very good with computers, I was wondering if they had added something extra? otherwise I don't know where the shortfall is. I went through the list three times and marked up everything, Please let me know if there anything else I could try?

Thanks again

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well we've not seen your sheet nor the statements so we cant tell.


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, the whole DCA industry would collapse overnight.

 

 

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Could you tell me how to upload the sheets and i will do so.

Thanks

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well you've that part right.


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, the whole DCA industry would collapse overnight.

 

 

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so not list of fees or charges

somethings wrong 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, the whole DCA industry would collapse overnight.

 

 

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Sorry, don't know what you mean, are they hiding something do you think?

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why are they not inc all those charges in their statements?

or are they a sep account within the mortgage?


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, the whole DCA industry would collapse overnight.

 

 

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is there something I should be asking Together?

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for a full breakdown down + an sar.?

 

so where have you got all the charges from?


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, the whole DCA industry would collapse overnight.

 

 

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As mentioned at the top od the page it was due to financial difficulties, the payments are back on track as I have a good job and good tenants In the property. But I was aghast as to the amount of charges they have added.

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I have received this reply from Together, it came with the same list of fee's I attached previously.

09091801.PDF

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and as we all know T&C's can be challenged hence all the bank charges reclaiming and PPI reclaiming...

 

doesn't mean they are lawful


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, the whole DCA industry would collapse overnight.

 

 

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They haven’t mentioned how they arrive at the £61,000 they are now demanding, what are my next steps? Thanks

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if you've not got all the statements to be able to work it out yourself

you need to send an sar


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, the whole DCA industry would collapse overnight.

 

 

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I emailed them a SAR on the 23rd Aug but haven’t had anything back yet, will let you know when anything arrives.

Thanks again

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