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    • Yes print 3 copies......Claimant Solicitor not the claimant....the address will be the same as your Proposed Notice of Allocation. CCMC Salford.   This is to allocate the claim to track...the next stage of the claim process.....as for if you have to pay .....who knows until it actually gets to a hearing and you win or lose. 
    • now I notice 2 things, 1 they have failed so say who the creditor is so they have failed to create ANY liability 2 thay have failed to indicate the location of the alleged incident, Chalon way industrial estate? housing? multistorey car park? the POFA is clear on this, no correct location, no charge. 3 in the second NTK the image of the car leaving appears to be an image of a car entering the car park on the wrong side of the road ( I do this a lot) As the cameras they use are at best 95% accurate this leaves room for doubt that they have actually captured your vehicle in both pictures as entry and leaving  for the same parking event.
    • E&W=England and Wales for correct sign see TSRGD paper on disabled parking and within that fig 6. note layout and size Whilst you are at it look at all of the suggested floor markings and bay sizes. The ones shown dont pass the regulations. That means they have fiale to meet planning regs. So then we look at intent- now they will argue that the intent is clear but then as the layout, markings and signage fail to follow the code of practice they will be considered advisory (as they should be on private land). Can it be true that you can be sued for ignoring someones advice, esp when there isnt a contractual term that says anything about it in the first place? In the fullness of time you will be copying this pdf and using it as evidence. In the meanwhile you stick to the deadlines imposed by the court procedure and if they fail to pay the allocation fee in tiem you ask for the case to be chucked out. At near the end of thsi month you post your outline defence via the moneyclaim portal and state that (1) the claim is denied as there  was no offer of a contractual term to breach in such a manner  (2) the claimant has failed to show a cause for action against the defendant, being the keeper of the vehicle because they have failed to follow the protocols of the POFA so cannot create a keeper liability in this matter.  The claimant has failed to identify the driver at the time (3) the Particulars of claim are so vague  it is impossible to determine what the claimant is actually relying upon to show a cause for action in terms of the location, date of event and how the the amount of the claim (sum of £160) was arrived at and particulary the signage they rely on to form a contract with the public. The defendant invites the court to issue a Case management Order under CPR3.3 to instruct the claimant provide evidence that signage that expressly offers a contract exists as claimed and that this contract was then breached as the defendant believes that the claim has no reasonable grounds and is a waste of the courts resources and should be dismissed if such evidence is not produced.   the last point may well be ignored whislt the paperwork is processed at Northampton as they dont read much of it and it will only be read once it gets allocated to your local court so prepare to get as far as a hearing in any case.  
    • At the end of the day, I tend to agree that they have been more than reasonable.
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Britannia introducing a new fee over half way through mortgage

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I have had a Britannia Mortgage since 2002.  Today I got a very jolly letter that flippantly mentions them adding a 'Title Management Fee' of  £50.  Seems that this is to cover admin costs of holding my deeds during the mortgage.

 

Can they just add this summarily?  Surely those costs have not changed significantly & should have been foreseen by them when the mortgage was sold?

 

I must wonder what they may add next?  Will the up this fee to £250 next?

 

I would have expected some right to object within 30 days, but they seem happy that they are still good value & I should be grateful they don't charge other fees that other lenders do!

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land registry do that for you not the brits..

 

have you ever sent them an sar as I expect there are all manner of unlawful fixed sum penalty fees they've charged over the history of the mortgage.

 

I bet they've charged you insurances too bar the only one you must have in place which is buildings ins..which if you already had it ..they cant..

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this was found to be unlawful some 20 years ago.

They either say what the charge for this is at the outset (and then it cant change) or they cant change the terms.

 

i bet they charged you an arrangement fee and load of other bits and bobs are written into the mortgage.

 

the reality is that deeds dont exist like they did many years ago.

You don't have a piece of paper that is the sole evidence of ownership,

it is just an entry on the Govt computer that anyone can look at so they aren't looking after your deeds.

 

what they are saying is that they want to charge you an extra £50 to have their name as mortgager on the deeds.

 

Well if they want to remove any mention of their interest in the property then they should feel free to do so and see how many people then do a runner

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Thanks for the responses - I take it that I will be pushing water uphill with a brush trying to notify them that I reject the new fee?  Would Resolver be a good tool to use to contact them?

 

Thanks again.

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No write directly and complain


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

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Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Your deeds are held by the Mortgagor as security not the LR.....LR only have copies of the original Title Deeds.


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