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    • Good advice thanks very much. Are there any guidelines on how long they should take to send said transcript? I was quoted 28 days on an information request today...    I have just sent two secure messages to NW.   The first was to state that they did not follow my instructions from this morning when I cancelled the DD authority held with PayPal, as they allowed PP to reinstate this mere hours later. I gave them formal notice that PP have no authority to take DDs from my account and so I will seek reimbursement from NW should they allow any in the future.    The second was a formal request for them to re-credit my account for all DDs taken by PayPal in the given time period, in accordance with the DD mandate. Reason being that I did not give PayPal the authority nor instruction to take those payments by DD.    Will relay this to the manager tomorrow and ask for a transcript so I can complain to the FOS if this is not sorted by end of play. 
    • Its directions agreed between both parties how the claim will proceed in preparation for the hearing...Fast Track Directions are not set by the court as in small claims track.
    • Make sure to ask for the name of the person you are speaking to, as well as a full email transcript of the call. If they ask why,  tell them everything on the call is being copied to the FOS for a full official complaint. They usually shift pretty quick.
    • Was the claim dismissed or struck out ?  You keep referring to you " won " you got judgment ...a defendant cant get judgment ?   Andy
    • ericsbrother - thanks for response. Please see photos as requested + more ExternalSignage_EntranceSet_v0.1.compressed.pdf ExampleBayMarkingsSet_v0.1.compressed.pdf InternalSignage_v0.1.compressed.pdf PayMachine_v0.2.compressed.pdf
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      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. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      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.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
      • 0 replies
Pleasehelpme26

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

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Thanks for your response.

I know exactly what you mean. I've finally been able to relax with regard to the mortgage, so I don't want to go down that horrible road again.

I've posted the letter this morning. I've also spoken to the cab, shelter and the law centre.

They all said that GE would have a massive problem justifying any more court action. So we will see.

Thanks for your help :)

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Hi everyone,

Don't faint....Had a call from GE Money today.

They have looked into my complaint and listened in on the previous calls and have apologised to me!!!

So we have done an income and expend and they have accepted the promised half payment at the end of the month. Set for one month only with the court order being reset for the following month. I have obviously requested this in writing.

Surprised very much I must admit!!

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Hi everyone,
Can anyone please offer any advice? 


My family have got into horrendous financial difficulties in the last 3.5 years.

 

My 3 year old son was diagnosed with leukaemia,

I have been his carer and my husband is self employed.

 

Money has been very very tight and we got into serious mortgage arrears.

 

Last September Engage Credit announced they were taking us to court, although we were trying to sort out repayments with the help of Shelter.

All our proposals(as advised by Shelter) were rejected. 


We kept telling Engage we couldn’t increase the contractual mortgage payment to address the arrears until April when our son finally finished his treatment. 


the judge ordered us to pay a sum on top of the CMI starting on 31.12.18.

We were unable to pay it although we have continued making full mortgage payments via direct debit on the day it’s due. 
We had to complete a financial statement last week and submit it to the court.


Life has improved somewhat and we are now in a position to pay the arrears off within the remaining term of the mortgage.

The statement shows this.


We are back in court on Tuesday and I’m scared that the fact we were unable to pay the extra over the last few months will most definitely not be in our favour.


Please can anyone give me any practical advice?
Thanks

 

To add, we worked with Shelter and we were offering the CMI until April and then planning  to address the arrears.

 

The solicitor on duty in court on the day of the hearing told me there’s no way the judge will agree to that.

So i felt helpless and pushed into saying yes to something I was unable to do.

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is this your old GE mortgage one now sold to engage par chance?

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Posted (edited)

Hi,

Thanks for responding.

Yes sold on after we went to court, went to Engage about 2 months after

in 2013. 

All was well until my son became very very ill late 2015. 

Edited by Pleasehelpme26

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Can anyone please  offer me any advice? 

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Talk to your local MP immediately.

Email, phone or weekly surgery. 

Son with Leukemia?

Trying to evict you ?

Unbelievable. 

 

Oh and send a letter to Engage or whoever they are,

 

Notes from consultants, doctors included, treatments , side effects, everything even photo's, telling them you have informed your local MP, the stress is destroying your family.  Please lay off immediately.

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good or bad let us jnow


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Fingers crossed

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Thanks everyone. Done and dusted in 5 minutes.No costs for me either 

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What happened?

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We done an income and expenditure which showed be can pay the arrears over the term of the mortgage.

judge agreed it was fine......also said if we get into difficulties in the future and mortgage company won’t listen,  we should go back to court and he’d do his best to amend it for us. 

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Congratulations!

 

Pure common sense.victory !!  

  • Like 1
  • Thanks 1

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