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    • If the OP follows king’s advice and then the neighbour’s roof leaks, who do you think the neighbour will blame? a) the dodgy “roofers” (who will be long gone), b) the OP for “damaging a perfectly good repair” (even if they don’t damage it, and it wasn’t a good repair!), or c) someone else   King may be technically correct, but the OP following their advice isn’t likely to end well if the neighbour is already ‘difficult’. 
    • I sent a SAR. which also provided a copy of proof of ID, last month to Northumbrian Water, and received no reply whatsoever.   After the 30 day deadline passed i sent off a complaint form to the ICO and sent a letter of claim to NW for breach of statutory duty. (As up until today they had failed to respond in any way to the request that was made)   Today i received a reply saying the my ID wasn't in the standard format and they could not accept it,   (The exact same copy of ID has not been an issue before and the exact same image was accepted perfectly fine by a previous energy company i SAR'd), and that they required i give them 2 forms of I.D, 1 from list A and from List B Along with questioning the alternative address like i mentioned above.   I wanted the request to be sent to the alternate address, as i work full time and i'm not always at my home address, i'd most likely not be in at a time when it can be delivered and can't get to the delivery office easily enough before it would be returned back undelivered. (Which i wanted to avoid happening again as this happened to the last SAR i made.) The address is my partner's address, where i regularly go and who also works from home and wouldn't have issues receiving/collecting mail.
    • yes they are entitled to query...GDPR applies   full story please don't play secret squirrel        
    • Hi,   I received a reply from a SAR I sent today (This was only after I sent a Letter of Claim as the company failed to reply or acknowledge the SAR in any way, though that deserves its own thread)    In the SAR I asked for my request to be sent to an alternate address, In the response they asked for clarification as to why I requested this.    Provided that the company has been given enough proof and information to verify my identity would I need to provide this reason for them to process my request? 
    • Following a six month battle with a supplier concerning the purchase of a faulty item which resulted in the submission of a case to money claims on-line & mediation, an agreed settlement was reached & part of the settlement involved me having to arrange, return & pay the necessary charges to return the faulty item to the supplier/manufacturer. On receipt of the item they would within seven days refund the agreed settlement figure together with the costs of the postal/courier fees.     A contract was taken out with Parcel Force on line, 24 hour express delivery according to the information that is given when entering into this contract, the customer will receive up to date tracking of their parcel together with a message alert when the parcel reaches its destination.   Parcel was picked up as promised   when checking the tracking some 24 hours later the parcel had still not been delivered nor had the tracking.   A number of telephone calls were made to Parcel Force where I was told that my Parcel was at the National Hub but had been delayed due to a malfunction & could I check back later that evening.     Following morning I checked the tracking & it still read the same.   Following several telephone calls I have been informed that they are unable to confirm whether the parcel has been lost,   the exact location of the parcel & whether it will be delivered.     I submitted a claim on line to Parcel Force on the morning of 19th June & to my astonishment when checking the status of the claim a number of hours later have discovered that they have closed my claim.     Status says rejected - claim passed to online team.     Due to the situation of this parcel having to reach its destination as soon as possible I want to pursue this matter via a money claim online process.   I would also like to add that I did not take out an insurance with Parcel Force as I naturally & genuinely assumed that they would fulfil their contract & deliver the parcel as promised.     I feel that I am being given the runaround every time I speak to them   am very keen to commence action against them as soon as possible.     Any advice would be gratefully received & sorry for the long winded post.  
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    • My personal experiences of Future Comms 
       
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
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      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
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      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
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      so far so good....
      • 14 replies
Pleasehelpme26

old igroup/GE Mortgage - beat GE years ago - now Engage announced they were taking us to court

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Can anyone help I'm at my wits end.

 

I have had a mortgage with ge for 10 years.

 

We have arrears of £40k.

These have accrued though ill health and self employment.

 

We have been paying part of the contractual payment each month

although no arrangement set to do so.

 

I am under medication as I'm agoraphobic and mentally unwell.

My GP has written to ge to confirm.

 

They wanted a GP letter to do a final review but have said they are going for eviction.

 

Letter only posted today so not read by ge.

 

My husband starts a new job, more money and as an employee.

 

I have offered as of end nov to pay full monthly payment to prove we can pay each month.

Then I have asked for arrears to be paid off over remaining term.

 

Ge said no.

I have 2 children and one has a heart murmur.

Will a judge listen or just laugh at me.

 

Ge sent police to my door and contacted a social worker today as they thought I might kill myself.

 

Can anyone help?

 

Please :(

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blimey £40k arrears!!

 

so how much was the mortgage for?

when did you take it out?

is their NO MPPI or insurance with the mortgage to fall back on?

what is the full term of the mortgage?

 

dx


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Make sure you go to the eviction hearing, the judge will be on your side.

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To northern bloke. I can't send pm yet...Thanks for your reply. When you say 50% is that half the arrears? We could only afford £228 per month but that is repaying over the remaining morgage term. What did ge do about fees and additional interest? Thanks

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Make sure you go to the eviction hearing, the judge will be on your side.

 

Will he? I've been told that £40000 is cert for eviction.

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blimey £40k arrears!!

 

so how much was the mortgage for?

when did you take it out?

is their NO MPPI or insurance with the mortgage to fall back on?

what is the full term of the mortgage?

 

dx

£205,000 15 years remaining. No ins

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Hi, has this case already been to court? is there a suspended possession order in place?


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If they apply for an eviction order then you can submit an application to the court on an N244 form

asking for a hearing to have the eviction stopped (we can help you with that).

 

 

Obviously you will have to be able to show you can pay towards the arrears each month and clear them within the remaining term of the mortgage.


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Thanks I'm so grateful. My husband starts new employment on 4th nov, is paid monthly so could commence end of November. We also have a secured loan with ge but not taking action on that at the moment.

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Is the secured loan in arrears ?


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We have done calculations and yes we can afford them on both accounts. I made an offer to ge paying cmi plus arrears spread over rest of term. Ge rejected saying we couldn't stay permanently in arrears

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You will have to start repaying the arrears on the secured loan - how long has it left to run ?

 

It would help you to get an idea of what you can realistically afford if you complete the affixed budget sheet (it calculates automatically as you fill it in) - you need to factor in what you can pay towards the arrears on both the mortgage and secured loan. You will also need to submit a budget sheet with your N244 application so you might as well get it done now and we know what we are dealing with.


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Hi yes ok. Do I tie it in with my other morgage? Will the judge laugh at me because of arrears amount and payment history? I will fill in sheet, can I do it on my phone and do I submit on here to you? Thanks

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Hi yes ok. Do I tie it in with my other morgage? Will the judge laugh at me because of arrears amount and payment history? I will fill in sheet, can I do it on my phone and do I submit on here to you? Thanks

 

Probably best to do it on a laptop/pc etc. Let me know when you have completed it and you can email it to me at Ell-enn@consumeractiongroup.co.uk (there is no space between the c and o).


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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hello again.

 

Please don't beat yourself up about this. You've found us and you're getting help here. I don't think the judge will laugh at you; there's a financial crisis and lots of people are having problems.

 

HB :hug:


Illegitimi non carborundum

 

 

 

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