Hi and Welcome to CAG
I have moved your topic to the appropriate forum Mortgages and Secured Loans please continue to post here.
Have you actually checked your CRAs yourself...you say you have been advised...what is showing ?
Hi, has anyone had any experience with Barclays Mortgage options being incorrectly advised?
I went on maternity leave 6 months ago and went to Barclays to see what options where in terms of my mortgage.
All I was advised was a reduction in my mortgage for 6 months which would result in arrears for six months.
I was not advised of any alternative options eg mortgage holiday or interest only.
I have now been advised that Barclays have logged arrears and missed payments on my credit file which was not explained to me.
I have sought advise from a financial expert who has advised I have been misinformed.
Has anyone had any experience with dealing with something similar?
I've had a read of the council tax 92 regs (admin & enforc).
Section 2 - seems to cover how correspondence concerning a property should be addressed.
I have the following query:
I notified my council by email (lots of messages to and fro) and sent copy of Order
- all got resolved, refunds made, property labelled as exempt.
The next physical letter for the property I still received (on divert).
The letter was not in my name.
It was labelled 'The c tax payer'.
I had not given council a forwarding address.
I had email advised I was temp residing elsewhere
- so all communication to me, about me, was to be done just by email.
I had also redacted the bank's name on the Order.
Why would the council - as seen in sar - subsequently send letters addressed to me c/o the bank's address?
The council clearly didn't get the bank's details from me.
Is it possible bank 'pretended' to be me, used their address as 'my' forwarding contact address?
The property is exempt - so there is no need for 'my' name to be on council records, let alone c/o the bank.
How can I find out what has happened?
And can I easily remove the 'wrong' address attached to my name?
dx - these people are trying all sorts of underhand tricks - they are awful.
A barrister friend likened it to "they think they are above the law; they keep trying to circumvent it for their own purposes - and it won't work".
re: the court - they still haven't served sd and their B petition thus got adjourned.
None of this was disclosed in the sar.
Are they now supposed to locate me and issue a proper sd
- before the adjourned case
- which they haven't told me about...
Out of curiosity - in the midst of nationwide lock-down how can anyone be served?
@BritanniaLtd Coronavirus: Britannia Hotel made staff homeless in 'admin error'. Read more at https://www.consumeractiongroup.co.uk/topic/420603-britannialtd-coronavirus-britannia-hotel-made-staff-homeless-in-admin-error/
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