Been to court this morning case v Rooftop. they had applied for the claim to be struck out based on my complaint being frivolous especially in light of the decision by the Ombudsman last year that the Arrears Management Fees where lawful and in line with my contract.
Briefly I was claiming back £850 in AMF's, Rooftop had offered to repay £500 which they did back in July but for reason only known to them they wouldn't repay the other £350 ( the total amount was made up of 17 x £50 pm charges).
Hearing was brief Judge said I had a well presented case but he eventually agreed to strike out, mainly citing the Ombudsman's decision as his reasons., which was a blow. Not sure if they will now reinstate the £500 they repaid, just have to wait and see.
Not sure if this affects further claims, Rooftop did get criticised by the Judge when I asked about their costs for the Solicitor which I am liable for under t&c's which they had applied back in October well before the case came to court and he ordered them to be refunded so its cost them £1200 rather than refund £350 so a minor win I guess although I am already paying £000's in interest anyway.
I will await the full write up and now await the reaction of Rooftop as they will no doubt feel its "happy days" as regards charges.
Next one is JP Morgan for Home Visit Fees.....................
Hello, could do with some advise
Ive received a scary letter from Drydenfairfax Solicitors for a Santander loan I defaulted on in 2010
I passed the loan/debt onto Step Debt Change in March 2010,
in 2016 I did not have enough to even pay Step Change
I wrote to Santander explaining this and asked them to write off the debt this was my last correspondence with Santander January 2016.
I have had various letters from Moorcroft then Wescot etc which I have ignored,
yesterday I received one from Drydensfairfax stating "they are solicitors instructed by our client Santander UK Plc, to obtain repayment of the amount £6804.03 or take appropriate recovery action should you fail to pay".
Is this company really solicitors ?
what power do they have can they issue a CCJ ?
this was an unsecured loan unfortunately I fell on hard times and I could not pay it.
Is it safe for me to ignore this letter ?.
Shocking pictures reveal ‘disgusting’ conditions inside Hermes depot where workers ‘feel like slaves’. Read more at https://www.consumeractiongroup.co.uk/topic/419726-shocking-pictures-reveal-%E2%80%98disgusting%E2%80%99-conditions-inside-hermes-depot-where-workers-%E2%80%98feel-like-slaves%E2%80%99/
Euro Car Parks issued this ticket to the police in Devon and Cornwall. Read more at https://www.consumeractiongroup.co.uk/topic/419522-can-anyone-identify-the-parking-company-which-issued-this-ticket-to-the-police-in-devon-and-cornwall/