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    • Many, many thanks.  That is genuinely useful.     The lender was Natwest.  I am fairly sure they will owe me something one way or another, but they do seem surprisingly keen to cooperate so far.  Also Barclaycard.  I think they may have decided it is a lost cause from their point of view.  So, they might as well try and score a few brownie points for customer service.
    • probably far too old and mostly in those days [pre 1990's] no-one was regulated anyway. the real changes like GISC and ABI didnt come in till later and they only regulated the insurance co's.   not sure what rules existed on mortgages back then but the only thing you must have inplace certainly since the 2000's in buildings ins if you didn't already have it. so being charged home [contents ins] as a compulsory term of your mortgage could be a no-no.  and can all be reclaimed.   there was a case not so long ago of home ins going back to I think it was 1992 from today and the couple got over £50k back ithink.   sar to your original lender might be the only chance of getting paperwork.  
    • So I'm the one that's paying the mortgage for my kids to have a home so I have to let them no what goes in and comes out and pay them payments with my card so he just authorized me to talk to them when he ohones as they always have to as me questions and what not
    • Because I pay all the household Bill's my partner as always had to authorise them to speak to me on his behalf as I'm the only earner in the house 
  • 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.
      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.

      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies

ECP ANPR PCN - Overstay - Esso meads Purfleet

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My husband received a parking charge notice through the post stating he had overstayed the Free period in the car park which appears to be within the grounds of esso meads service station at purfleet and it advised he has to pay £100 within 28 days, reduced to 60 if paid within 14 days.


Firstly he never even knew that you had to pay to park in a service station car park, he never saw any signs

after receiving this charge notice he went back there to see if he could see any signs

all he could see was 1 sign saying you needed to pay by phone.


He has been using this petrol station for years filling up his tank and has never noticed any signs, 

on this occasion he was there just over an hour. 

He often gets his car washed there.


We feel this is unfair as we feel there is insufficient signage telling people of this parking charge.


Do you think we should appeal this?

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in short, no.

Reason for saying this is that until you have acquainted yourselves with the ins and outs of private parking matters anything you say in a hurry now will come back to bite you later so hold off doing anything and start to read up on the subject.


There are several posts on this site here so do a word search and have a look at them specifically.


what was hubby doing there for an hour? this may be relevant.

he should also get some photographs of the signage there as well,

decent pictures of anything that is visible and

also some pictures to show context


so if a sign is hidden behind a pillar when you drive in

a picture of it from that perspecive to show that it couldnt be expected to be read by the average motorist as they entered the land so not applicable or enforceable.


the bad news is all parking co's only make money by inventing petty reasosn to "fine" you a large sum of money so they have an incentive to argue the toss about everything, howver reasonable your arguments.


Broken down?

well you knew that you should have fixed the car before you set off.

Stolen vehicle? y

our fault for not hiding it. etc etc.

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When EB said not to appeal he did not mean that you should pay.


In fact I don't think that we have ever advised a motorist or the keeper to pay as these parking companies find it impossible to adhere to the Law so why should anyone them.


If you would kindly fill out the questionnaire below we can start to find out all the reasons why the ticket does not need to be paid.


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There are very few palces where the parking co have the right permissions and word their signs in an unambiguous and clear manner.

PE are more likely to get it right than most of the others but they are also usually too lazy to get the planning consent unless pushed by the thought of losing  money at court.

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Thank you, I had to drive to the service station to get the pics needed also I have answered the questions below, I hope this is right? I am having trouble uploading the pics but will eep trying


For PCN's received through the post [ANPR camera capture]


please answer the following questions.


1 Date of the infringement - 15/4/19


2 Date on the NTK [this must have been received within 14 days from the 'offence' date] - 25/4/19


3 Date received - 30/4/19


4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] - Y


5 Is there any photographic evidence of the event? - 2 photos of the reg no. plate only... on entry and then again on exit


6 Have you appealed? [Y/N?] post up your appeal] - N

Have you had a response? [Y/N?] post it up


7 Who is the parking company? - Euro car parks


8. Where exactly [carpark name and town] - MFG - Esso Meads - Purfleet - ESSEX

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I have attached 4 pics in all on 2 pdfs

consisting of 2 pictures of different angles of the view you have upon entering the service station, one is a close up of the 1st signage after entering which is located approx 50ft from the roadside on the right hand side and a picture of the main shop building showing 2 signs located on each end of the building but none by the door in the centre of the building which is where you enter. Esso meads pics1.pdfEsso Meads pics.pdf

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



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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so armed with some other information you can tell ECP where to go when they write to you again. We will help you with that whent eh time comes but for the moment let things be

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