Jump to content


  • Tweets

  • Posts

    • Thanks Bankfodder!   Hello again everyone.    I received my SAR back from Elderbridge and what and absolute load of **** it is!   1.  They did not send any transcripts or recordings of any phones calls  - both myself and my husband spoke to them in Aug 2016 (noted in their diary notes) and I called them in Dec 2018 (again noted in their diary notes) it was the same day they sent the reply even though they have mentioned me calling in their notes on that day, so not sure I should let that go or not!   I also spoke to them in July 2016 (again in the notes) and I spoke to them in Dec 2012 (again in the notes)    2.  Going through the diary notes in the beginning notes were sporadic mainly because we were making payment and everything was ok, then later as things changed there were notes almost once a month, then in NOV 2012 and Dec 2012 frequency of notes increase as this is when they began court proceedings.  and throughout 2013 again lots of notes made - mostly their in house stuff about court dealings and so on - so that's fine. then in NOV 2013 hey made a not re the court date in OCT - saying that they were ordered to treat the loan as having a fixed rate from inception and sent off etc.  BUT from 21 Nov 2013 to 17th June 2014 there are no notes at all!  Now the hearing was on the 10th Jan 2014!   17/06/2014 14:43 *****Substantial EVS costs to be added to any SF ****** 17/06/2014 14:43 EVS Defended + At the hearing on 10/01/2014 an SPO for 500 on 26/01/2014 and then CMI + £60 wef 26/02/2014 plus MJ for £103,331.03 suspended on the same terms. It was also held that we could add our costs - Defended costs on this case are £33,879.80. 17/06/2014 00:00 Reviewed Reviewed 17/06/2014 00:00 ***Defended Costs*****:To be added to any SF ***Defended Costs*****:To be added to any SF 21/11/2013 04:13 ADHOC Statement Printed From 03/10/13 To 13/11/13 Batch 2015 Sequence 28 Printed 13/11/2013 00:00:00   Above you can cleary see the gap then suddenly the first notes talk about the court case and costs etc, at the trial in OCT the judge reserved cost till the next hearing (also stated on the documentation from the court)  but then at that hearing in Jan 2014 we did not discuss costs - the 6 month gap I feel is very suspicious.    The final court document  dated 13th Jan 2014 says to pay the claimant £103,331.03 which is the amount outstanding under the mortgage and goes on to says order were not to be enforced as long as we pay etc.  no mention of costs at all - so they seem to just be adding them   3.   They sent a field agent to me in Jan 2018, I only knew this as on the 9th Jan 2018 I was working at home and heard the letterbox, thought it was the postman, went to the door to find an envelope shoved through the door with a letter in it saying they had been requested to visit me and that they called today but I was not in! and gave a number for me to call ( I saw the woman walking down the driveway - but she did not ring the bell! and I wasn't about to run after her!)   But in the notes they have written this utter lie!   30/01/2018 12:44 Field Agent Report Received The field agent visited the security address on three occasions. The customer was spoken to through the window. They refused to discuss and refused to answer the door. The contact number on file is not recognised. RFA - Not known Reasons for items not verified:N/A Details of variances of items outside of expenditure guidelines and reasons N/A Property is a detached house in good condation valued at £406,000. Equity not known.   I actually cannot believe what I have read here! Can I ask them for some kind of proof of this, because I don't know who they are talking about but it certainly wasn't me!   4.  the documents they had sent me a joke, they have sent 77 documents in total, none of these are copies of letter from Elderbridge (which is who I sent the SAR to) all from First Plus and certainly not ALL of them, they have been bulked out by sending me copies of documents that I sent TO THEM for my court defence and there are strange Black boxes over some of the text!? which I don't understand!     After receiving this info from Elderbridge I decided to send a SAR to Barclays and I got a small package with a couple of letters, some diary notes and screen shot of the account, as well as a short statement of account. This was for our ORIGINAL loan from Feb 2006,  (we topped it up in June 2006) and the first one was closed.  The second one is the one that has been transferred to Elderbridge but Barclays seem to know be denying ALL knowledge of it! and I know that they still hold the beneficial interest of these loans and that Elderbridge regularly contact Barclays for help and advise - I have contact with other account holders who have diary notes from Elderbridge showing contact to Barclays!..   This week I also had a reply from the FOS (only from an adjudicator not an ombudsman) and his initial opion is that it's ok for Elderbridge to claim the costs as we defaulted, he seems to be ignoring my argument that the relationship is unfair etc but I will be sending this back and asking for it to be looked at by an ombudsman.   But was hoping that someone here could give me any advise re all of this - sorry I know it's a lot!!
    • why all the blanked out stuff in the parking contract? and no proof its paid this year either?  
    • pop the exhibits as a sep file i'll merge them for you
    • Thanks.   I've managed to reduce the file size and deleted from this copy all of the pages of photos and copies of the signs. Just their witness statement and the photos of the car parked up remain.   They say "My company relies on Parking Eye v Beavis (2015) in which it was accepted as an established principle that a valid contract can be made by an offer in the form of the terms and conditions set out on the sign and accepted by the driver's actions as prescribed therein"   Is there a refutation to this case anywhere? Or do I not argue that  and just refer back to EB's earlier post and focus on the signs?   "What you are writing is roughly your side of events and referring to the evidence you can provide so that will include their signage, any evidence or lack of authority for them to offer anything, their paperwork if that doesn't create a liability, the POFA where the vital phrases have been missed by the parking co or the timescales missed.   then you pick holes in the wording and substance fo their claim, for example, contractual sum or breach of contract - they are different. are they claiming from you as driver or keeper, cant assume they are one and the same.   What about the amount claimed? it will invariably include unicorn food tax so if they are saying keeper ia liable they are limited to asking for the amount shown on the NTK and you should make this clear as it helps damage their assertion that driver and keeper liability are the same thing   As they havent responded to your CPR request for documents you can start off with that but it isnt a golden bullet, "   thanks Bundle_the_approved,_signed_statement_with_the_exhibits-_Reduced.pdf
    • Hi, I have had to hand my notice into work this week due to my Manager telling me that I had lied to him. After we had a talk about it I received lots off emails asking about various things that needed sorted as someone else who I work with made such huge problems, so I was told to deal with it, which I have no issue with. I was also promised bonus money in April due to us doing so well and as off yet I have received nothing.  I was thinking about putting in a grievance but wanted to find out more before I do. I am still employed by them + am still on the payroll. Thanks in advance  
  • Our picks

Surfer01

CAG New look forum

Recommended Posts

It was a lot easier to use CAG with the old format.  Now when you do New or Unread Posts you only get several posts coming up.  If you click on a post to read it, when you are finished and click to go out, it takes you to the top of the page of new posts and you have to scroll down to find the one that you have just viewed.  Must a admit I don't personally like the drab colours associated with the pages.

  • Like 2

Share this post


Link to post
Share on other sites

Try clicking > Activity >Unread Content...there is no New or Unread Posts option

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites
4 minutes ago, Andyorch said:

Try clicking > Activity >Unread Content...there is no New or Unread Posts option

 

Andy

I got that however the issue is that when you bring it up and click on a post to read which may be near the bottom, when you are finished and come out of the post you are taken back up to the top of the page.  You then have to scroll and try and remember where it was so that you can look at the following post!

Share this post


Link to post
Share on other sites

How long has this NEW LOOK been up and running.

Keep getting 

Sorry, there is a problem

The page you requested does not exist

Error code: 1S160/2

 

when I click on hyperlinks.

Is the site broken or in maintenance mode?

 

 

Share this post


Link to post
Share on other sites

We already have an ongoing thread in connection to the upgrade where you can post questions....and hopefully resolve problems

 

Can we keep it in one place rather than numerous threads.

Regards

Andy

 


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites
1 hour ago, Surfer01 said:

I got that however the issue is that when you bring it up and click on a post to read which may be near the bottom, when you are finished and come out of the post you are taken back up to the top of the page.  You then have to scroll and try and remember where it was so that you can look at the following post!

I have gotten in to the habit of opening links in a new tab and when I'm done. close the tab. Whilst this may not work for mobile users, most modern browsers support tabbed browsing.


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

Quote
No... you can't eat my brain just yet. I need it a little while longer.

Share this post


Link to post
Share on other sites

I wasn't a great fan of the old site layout.

I prefer the look and feel of this new site, keep up the good work.

Hopefully these type of errors are temporary😊

 

Sorry, there is a problem

The page you requested does not exist

Error code: 1S160/2

 

and

Sorry, there is a problem

Please wait 4 seconds before attempting another search

Error code: 1C205/3

 

and a search for "BT" and "British Telecom" produced no results. Who would have thought it!

 

 

 

 

  • Like 1

Share this post


Link to post
Share on other sites
8 minutes ago, Jemn said:

BT" and "British Telecom

Hi Jemn

Or you could simply go to the relevant forum........rather than search

https://www.consumeractiongroup.co.uk/forum/87-telecoms-mobile-or-fixed/

Regards

Andy

 

 


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Thanks, second post meant to go to upgrade thread.

Still getting to know the new site,

  • Like 1

Share this post


Link to post
Share on other sites

There may well be broken hyperlinks.

If you can let us know when you find one, then we can probably find its target and then correct it.

That would be very helpful to everyone and we would appreciate it. Thanks


Share this post


Link to post
Share on other sites
14 hours ago, Jemn said:

 

and a search for "BT" and "British Telecom" produced no results. Who would have thought it!

 

 

 

 

That's very strange. This is what it produced for me - https://www.consumeractiongroup.co.uk/search/?q="british telecom"&sortby=relevancy

  • Like 1

Share this post


Link to post
Share on other sites

Desktop Opera but whilst for the past 10 years or so we had sticky threads then user threads.

 

Now I have multi coloured stickies whole of page one then I think but am not sure user threads starting on page 2

 

what is going on? 

 

 

  • Like 1

Share this post


Link to post
Share on other sites

1st new post in the thread and top of page 2 amazing and let's keep it here!

Share this post


Link to post
Share on other sites
Posted (edited)

This new layout is so confusing and just plain horrible. The idea you have to go back two pages just to see any new posts is ridiculous imo.

 

Also why are posts here being altermatically posted over onto Twitter? If I wanted them there I'd post them there. Utterly ridiculous.

Edited by sadone

Share this post


Link to post
Share on other sites

What's happened to this site? I can't find anything! Mobile or laptop it all looks like Zippy from Rainbow has been let loose with his colouring crayons! It's about as user-friendly as the DWP website!

Sort it out CAG owners! Way to go to kill your already dwindling user base! For a forum that's moderated tighter than North Korea I can't understand how you can get this upgrade SO wrong!

Come on BankFodder, you asked for feedback and the general consensus is "Our survey said... 'Waah-Waah! XXX' "

 

 

 

  • Like 1

Share this post


Link to post
Share on other sites
2 hours ago, sadone said:

This new layout is so confusing and just plain horrible. The idea you have to go back two pages just to see any new posts is ridiculous imo.

 

Also why are posts here being altermatically posted over onto Twitter? If I wanted them there I'd post them there. Utterly ridiculous.

post titles have been automatically tweeted over to Twitter for at least six or seven years.

There are at least 90000 or so tweets on Twitter which shows you how long it has been going on.

It must be simply that in the past you have never noticed

 


Share this post


Link to post
Share on other sites

Well If thats the case I won't be posting here again in a hurry. If I wanted my queries broadcast to Twitter I would have done so.

Share this post


Link to post
Share on other sites

Only post 1 of a new thread is tweeted......its amazing how tweeting your " Queries" quickly resolves and extinguishes the problem by getting their attention.........the power of social media hey ? 


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Nah. Sorry.

Share this post


Link to post
Share on other sites
16 hours ago, BankFodder said:

post titles have been automatically tweeted over to Twitter for at least six or seven years.

There are at least 90000 or so tweets on Twitter which shows you how long it has been going on.

It must be simply that in the past you have never noticed

 

I was not aware of this and cannot recall giving permission for my posts to moved to Twitter.  Is your name shown?  Anything to do with Facebook and Twitter I avoid like the plague!

  • Like 1

Share this post


Link to post
Share on other sites

User Name (Alias) is not shown.... only the first post title and synopsis..

 

Time to refresh your self with the Forum Rules on uses and copyright.

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Sorry you seam to have mixed up my concern with whatever.........

The https://www.consumeractiongroup.co.uk/forum/111-benefits-and-hmrc/ now only shows sticky posts on the 1st page.

An actual and valid post asking for help now will only appear on page 2 when it is created. 

If you seriously do not understand how this might be an issue........

I truly despair! 

If I ask a question it has to be on page 1 as who [removed]  is going to go to page 2 to help me for a new questin?

Well you seem to think that will happen but..........

Nobody disabled is going to now get past page 1 as there is zero new content there. 

I can turn on caps lock if you like but you ain't listening are you!

  • Like 1

Share this post


Link to post
Share on other sites
1 hour ago, speedfreek said:

I can turn on caps lock if you like but you ain't listening are you!

No need to shout. The number of stickies in the Benefits forum is a subject that has already been raised behind the scenes.


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

Quote
No... you can't eat my brain just yet. I need it a little while longer.

Share this post


Link to post
Share on other sites

You could simply have a few stickies that contain/collate listed links for certain individual benefits.

 

Going to be a lot of crossover so a simple link to the answer/thread/post and everything is good!

 

It's not (5 banning points awarded by a mod - insert favourite word about sex beginning with f here) rocket science? Although the ing at the end might be stone cold Olympic Ice skating 10!  

 

Rightsnet up dated not long ago and did a very good job of it. Here whilst I'm neither here nor there I'd love to see the disability impact study you did of this change???? 

 

 

  • Like 2

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...