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mrsmartinpar v Stroud & Swindon


martinpar
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Got the following in response to the lba from Stroud & Swindon:

 

"The mortgage was not regulated under the Consumer Credit Act 1974 and completed prior to FSA Mortgage Regulation which occurred on 31 October 2004"

 

 

I guess they're right but it doesn't alter my case? I assume though that I should remove reference to the CCA in my claim?

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Are you claiming for charges or ERC?

A little background information may help people in giving you some advice.

x

Halifax 1

WON - £1,355.49 21/07/06

MINT

WON - £273.81 14/09/06

First Direct

WON - £913.50 01/09/06

Capital One

WON - £130.13 03/11/06

Halifax 2

WON - £188.03 01/12/06

 

Kensington Mortgages ERC

MCOL for £6,204.39 Discontinued

Halifax Mortgage Admin fee

WON - £10.00

Direct Line Mortgage Redemption Fee

WON - £99.00

Halifax 3

MCOL for £109.01 reg 07/03/07

 

http://petitions.pm.gov.uk/redemptionfees/

Please sign this petition x

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There response is correct, however the consumer and contract legislation involved with these claims is still relevant.

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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There response is correct, however the consumer and contract legislation involved with these claims is still relevant.

 

So does that mean I should leave in references to CCA in my particulars? Need to get the claim in tonight.

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The Consumer Credit Act is not included in the POC's in the Bank Template Library. Are you using your own POC's?

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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Hi we had a mortgage with Stroud & Swindon and when we changed companies we paid over £5k in ERC's are we likly to get any back or are they as stubborn as the rest !! we changed our mortgage over 2ys ago.

any ideas

statements requested 23rd Nov charged £5

statements arrived 28th Nov

sent first letter claiming £1264 on 7th Dec to halifax

halifax replied standard letter 13th Dec

second letter sent 22nd Dec :p

Halifax sent letter 22nd Dec offering £1087 full & final only £177 short of the full amount:eek:

Accepted the offer on 28th Dec on to the next one.......

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