Jump to content


  • Tweets

  • Posts

    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Engage Credit SAR request ignored


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1858 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello, am a fellow concerned FM Customer

 

I have just nearly got my arrears down from 6000 to just over 1000 after a long battle

and was looking forward to not paying the extra 100 court order each month so now what..

 

got the letter from engage today!?

too late to speak to them..

 

. so what will my payment be,

the normal payment less the 100 CO

Has that been discharged or do I still have to pay that to Wallers?

or have my arrears vanished completely

and I can start afresh with a set monthly payment?

and sue FM for all of the ridiculous charges and harassment over the years???

 

Main issue is my monthly payment anyone been told this yet

 

thank you... new to posting never done it before

Link to post
Share on other sites

  • Replies 173
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Eddie everything remains the same,

only the company taking your payment changes.

 

FM is owned by a big company with a bit of reputation to protect so they sale on all problem mortgages to companies that are like debt collectors

with no reputation to protect like Oakwood who are our current mortgage owners.

 

Oakwood have loads of shelf companies that they then then use to get rid of these mortgages

and wait for another batch of mortgages and use another company again to get rid of them.

 

They are winners if they repossess and if they cant repossess they offer u huge discounts

so that you can pay off early or remortgage somewhere else s

o that they use their capital to buy other problem debts.

 

In SHORT THEY PURCHASE SECURED DEBTS AT HUGE DISCOUNTS AND MAKE HUGE PROFITS FROM SELLING ON REPOSSED PROPERTIES.

 

THEY DO NOT MIND EVEN IF 95% OF THEIR MORTGAGE BOOKS IS REPOSSESSED.

 

IT ALSO HELPS MAKE LENDERS LIKE FM APPEAR CLEAN FOR THEY WONT HAVE REPOSSESSIONS ON THEIR BOOKS.

Link to post
Share on other sites

I agree largely with blackhorse,

though strictly speaking there is no actual bona-fide thing as a 'mortgage company' outside of what we the consumer normally accepts as a mortgage company.

 

Engage Credit, given they have chosen to handle mortgages, are bound by the regulations governing any organisation handling mortgages.

So for example if they charge interest rates woefully above the norm,

they'll get into big trouble with the FSA.

This includes those borrowers coming off from the higher fixed rate period.

 

However, it is likely they will employ every trick in the book to 'eat into' any equity remaining in anyone's property.

We should all be resolute in arguing our case where punitive charges are being raised by Engage Credit..

And yes, again I agree with blackhorse, Engage Credit are far more likely to instigate reposession proceedings than the better known mortgage lenders.

 

Unless of course, a borrower is already abiding by a previously made court order.

 

Engage Credit may make offers to people for them to either pay off their mortgage or move it elsewhere.

Given the nature of the mortgages they have purchased it would be remarkably naive of them to think any borrower could possibly afford to pay off the mortgage

no matter how much discount is offered.

 

As for re-mortgaging elsewhere

- this is what makes me laugh out loud at the credit industry.

 

If Engage Credit have as much to do with debt collection as they do 'challenged mortgage borrowers',

they above most should realise very few of us financially challenged borrowers,

are likely to pass the credit ratings with another lender for re-mortgaging purposes.

Talk about a huge 'own goal', it is rather laughable.

Link to post
Share on other sites

I spoke with Engage credit today for the very 1st time

- i must say that i'm not confident at all.

 

I asked the following questions after the initial meet and greet,

i asked who sents the interest rate?

- i got no reply

- the person on the other side said something along the lines of we will send you a letter.

 

I asked

- how are u going to set the rates, again silence

- all was dealt with "we will write to you Sir"

i think we are daling with a glorified collection company that deals with mortgages that have arrears.

 

my humble view to all that have come to this thread that i started a while back challange everything from these people

and don't be afraid to do so, I

 

will give you and example the young lady i was on the phone to at one point she passed me to her manager

- once the conversation started with this chap, he on 3 occasions in a 10 min phone call referd to my Mortgage as "a problem account"

 

i asked on 3 occasions what do you mean by Problem account? he defined it by saying that FM have given them accounts that they do not consider profitable anylonger.

 

Response from my part was so you collect debt then.. again silence from the so called Manager.

 

These guys are as shady as anything,

fight your corner as hard as you can,

and needed be i agree with what was written on this thread

by others that we should if necessary unite to take collective action to cut these scandalous cowboys to size.

 

of course everyone has its own story here and priorities but i do not trust these guys,

i learned from FM how much they lie at my own expense

- Engage credit are no different, if anything they are worse.

Link to post
Share on other sites

red11 - you did a good thing by starting this thread off in the first place. Engage Credit are extremely likely to be a greedy, self-serving outfit who will be almost certainly making spurious charges on all our accounts.

 

The new interest rates they quote us soon (for those whose fixed rate ends this Dec) will be revealing I suspect. I suggest all of us compare the new rate they quote each of us - I'd have thought it should be the same ... we shall see.

 

We should be assuming a new rate of around the 3.62% mark - it must mirror Future Mortgages tracker rate as our T&C remain unchanged.

 

Dependent upon how 'busy' this thread becomes as Engage's behaviour progresses, we may need a better way of consolidating our information and discussing plans of action. I should be able to help there but let's see how Engage Credit react at the first test - namely the new interest rate expected to be announced around mid-December.

Link to post
Share on other sites

engage credit are part of oakwood homes,

and believe me this company has used repossession as a first option not a last on many occasions

then sold the properties for a fraction of their true value,

 

iam at this moment advising someone whose house was repossessed by oakwood then sold at auction for just half its market value,

oakwood has come up on the cag website times for vexacious litigation in terms of repossession proceedings,

 

be careful people,

glorified debt collectors that use every trick in the book,

 

dont swallow any of this

"they have to abide by financial codes of conduct and regulation,

they dont and wont,

you see they go to court because they have nothing to loose and everything to gain,

 

even if they loose your liabel to end up with more costs on your mortgage balance time and time again on the forums others

and myself have advised people who are being manipulated conned and lied to by this outfit so be careful.

Link to post
Share on other sites

I only mention financial codes of conduct & regulation with regard to interest rates charged. What do you suppose would happen if for example Engage Credit put all those coming to the end of their fixed rate period onto a new tracker rate of say 12% ? That would be more than 11% over libor ! Does anyone genuinely believe the FSA would do nothing ?

 

However, applying fees & charges arbitrarily to the mortgage balance is what Engage will be doing. The buildings insurance policy is likely the first.

 

Watch out for charges coming up here such as £37.50 insurance lapse fee as our existing policies expire each year and the new letter & policy arrives after Engage's deadline. Another fee for "Engage's Security Protection insurance". If you have your own insurance, another, yet to be disclosed fee for Engage to ensure the policy is adequate.

 

Future Mortgages have already claimed I didn't pay November's monthly payment, blatantly untrue but now I have to challenge them and/or Engage Credit plus the usual fee being charged. Who here would be surprised if Engage didn't also do the same things every now and then across all or most of their borrowers ?

 

At some stage we made need to start thinking about how best to fight these sharks in one or more collective responses (to my mind they are no better than thieves but of course the law won't see it that way)

 

Off the top of my head, appealing to our respective local MPs with a view to several MPs raising the matter with the FSA. With regard to mischievous court appearances and excessive legal fees forced by the lender, MPs may raise the issue with the Lord Chief Justice' office - who knows as yet the various ways collectively we can fight back. Maybe instructing our own solicitor to represent ALL our interests collectively. Don't shout me down - I'm only thinking aloud here.

Link to post
Share on other sites

just wondering if anyone has had any payments collected yet by engage credit, im still waiting for them to get in touch to tell me how much my payments are going to be.I came out of my fixed rate some time ago thought i would be better off on the variable rate but no im not.

Link to post
Share on other sites

I spoke to engage credit today and I am even more worried. I have 3 months to fixed rate comes in and my payments will be the amount I was paying future mortages. thought I just needed to hold on, now I am not so sure now. I have had shelter fighting for me in court to do a deal with future for them to sell before it was reached. i am now urging we all get together and fight these companys together, its the only way. please can someone on here orginise it if you can I am in.

Link to post
Share on other sites

I think we all need to stick together and help one another, ive only had 1 letter off engage credit introducing themselves not had any letters telling me wether my payments are the same or even try to collect the money, does anybody know when they should be collecting their first payment november of december.Im really worried and dont know what to do for the best.hope someone can help us and point us in the right direction

Link to post
Share on other sites

ok just spoke to my solicitor not realy that happy. we were told by future motgtages way back at the beginning of the year to request from irwin and mitchel the following . pay half the interest and the other half would be written off. the errears would be put back into the mortgage and the deal would either be a fixed 2 years or till we went a varable rate. now only 3 months to go, did anyone else get told to ask for this. Irwin and mitchel always said they had never heard of it. my question is did anyone else on here get told to ask for it. also my contract states I am aloud 2 modifications in 5 years. asked for them and never got them. did anyone else?

engaged credit lady said to me on several occations that I contradicted myself in conversations with her for me then to put her straight. in my eyes thats a sign of someone on the defence. its time we got together and fought. The person on here who fought and got back all his fees and arrears and solicitor costs can you tell us how you did it and which solicitor you used? maybe we could all get to gether and employ him to fight for us all and create a land mark case. we all need to stick together i am sick of banks and the money people taking the p*** out of us all. ok for cameron and his 18 millionares in his cabanet and hay labour aint any poorer, but we are and its getting harder. lets fight together. anyone on here have a friend whos a solicitor?? or is a solisitor who fancys making his name big still? we all need justice.

Link to post
Share on other sites

Dear All.

 

I have made a complaint to Future Mortgages and I understand the Complaint was forwarded to Engaged Credit. My Complaint is with Future Mortgage.

Wht have they sent my letter on to Engaged Credit. under the data protection act they can not do this. I am complaining about my charges and I want to get thet back.

I have had my 2 modifications which you are allowed in 5 Years.

Would the person that took Future Mortgage to court advise us what solicitor he used and give some advise please.

 

Engaged Credit have been very helpful but I do not trust them. They have asked me to complete an Income & Expenditure form which they sent me, but am I giving them information about me that they could use in Court ??.

 

What do I do. I come out of my fixed rate next March 2011 and my payments will come down from £2206 to about £1,030.00 which I can afford.

Link to post
Share on other sites

  • 2 weeks later...

Hi i have also had a letter from engage they have taken over my mortgage from future, i need some information i have at present got a suspended possesion order on my property for arrears of 3367.00 i have been paying the correct monthly payment for the last 6 months and fm said they would caplitlize my arrears i receivced the letter signed and sent it back, i have now been informed by engage that they will not do this because they now own my mortgage, i phoned up to say that this month i could not pay the full monthly payment of 687.00 and wouldpay 150.00 until my benefit is sorted out, i was advised by te lady i spoke to that if i did this they would repossess my home because i hadnt made full payment, can they do this?????????? Please help im worried sick x

Link to post
Share on other sites

I dont know wht they can and cant do, I was on a capital and interest mortage with fm and now im only on a interest only mortgage which is down to engage its not wht ive requested my payments have halved which is the only good thing out of all of this. Ive not been informed when they will take payment though

Link to post
Share on other sites

I spoke to engage credit today regarding my mortgage account, they sound worse than future mortgages, they didnt know wht i was talking about and when i asked them about payments they said they were staying the same yet i had a letter saying that i was on a interest only mortgage yet they dont know anything about tht i can see this situation ending me back into court, bad times ahead :(

hope someone can advise me in the right direction

Link to post
Share on other sites

  • 2 weeks later...

have made a complaint to Future Mortgages and I understand the Complaint was forwarded to Engaged Credit. My Complaint is with Future Mortgage.

Wht have they sent my letter on to Engaged Credit. under the data protection act they can not do this. I am complaining about my charges and I want to get thet back.

I have had my 2 modifications which you are allowed in 5 Years.

Would the person that took Future Mortgage to court advise us what solicitor he used and give some advise please.

 

Engaged Credit have been very helpful but I do not trust them. They have asked me to complete an Income & Expenditure form which they sent me, but am I giving them information about me that they could use in Court ??.

 

What do I do. I come out of my fixed rate next March 2011 and my payments will come down from £2206 to about £1,030.00 which I can afford.

 

I have had my 2 modifications which you are allowed in 5 Years.

 

just a question when you got your two modifications were you paying full payments for 6 months, also did you have a lot of errears. we never once got future mortages to agree to one. engaged credit are hopless my solicitor dida deal with future which should of been passed to engaged the know nothing of it. dont look good. like above person I go flex rate in march £633 to £302 big difference fo me but will we get it or is this goverment going to drive them up again?

Link to post
Share on other sites

  • 3 weeks later...

has anyone had any problems in getting in contact with engage credit, I've tried numerous times and have only got an answermachine so I've left a message a few times and no-one has phoned me back.

also when we first received a letter from them I contacted them to set up bank transfer as this is the arrangement I had with waller solicitors, they couldn't give me my reference number as they didn't know it but they advised me to contact future mortgages - so I did and they refused to give me a reference number as my account had now been passed to engage !!!!!!!!!!!!

so have now finally got a statement from then with a reference no on the top and have used that to set up a bank transfer and make a payment

also in reply my new rate after coming off fixed is 2.86% how's everyone else's

Link to post
Share on other sites

hi loonylam they just want your equity. I must be down to about £4000.00 now and deminishing fast. they just wanted to talk about my errears last time, I know I have them but they are not helpfull in stopping them. even if I go to my new rate due the end of next month they still want another 6 months of full payments before they will put the erears back into the mortgage which means another £300 to £400 onto the errears in admin charges. they are all just crooks. They could be fair and help but its worth too much to not help people. I have nothing but contempt for these people and banks. I run a small buisness and they wont lend for that either. we struggle to build it to were it is now and we have a long way to go. We could however be employing people and be more efficiant if banks gave us the overdrafts and loans we need , but the wont guess they need it for their bonus. all the best tactical

Link to post
Share on other sites

we got to the point of it being sugested by future mortages and it went to head office but never got it offered that was a year ago. they never helped us at all. all about getting your equaty. can I ask why the question?

Link to post
Share on other sites

we got to the point of it being sugested by future mortages and it went to head office but never got it offered that was a year ago. they never helped us at all. all about getting your equaty. can I ask why the question?

 

will let you know in due course

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...