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    • Post #415 you said you were unable to sell it yourself. Earlier I believe you said there had been expressions of interest, but only if the buyer could acquire the freehold title. I wonder if the situation with the existing freeholders is such that the property is really unattractive, in ways possibly not obvious to someone who also has an interest in and acts for the freeholders.
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    • Hello, I will try to outline everything clearly. I am a British citizen and I live in Luxembourg (I think this may be relevant for potential claims). I hired a car from Heathrow in March for a 3-day visit to family in the UK. I was "upgraded" to an EV (Polestar 2). I had a 250-mile journey to my family's address. Upon attempting to charge the vehicle, there was a red error message on the dashboard, saying "Charging error". I attempted to charge at roughly 10 different locations and got the same error message. Sometimes there was also an error message on the charging station screen. The Hertz 0800 assistance/breakdown number provided on the set of keys did not work with non-UK mobiles. I googled and found a bunch of other numbers, none of which were normal geographical ones, and none of which worked from my Luxembourg mobile. It was getting late and I was very short on charge. Also, there was no USB socket in the car, so my phone ran out of battery, so I was unable to look for further help online. It became clear that I would not reach my destination (rural Devon), so I had no choice but to find a roadside hotel in Exeter and then go to the nearest Hertz branch the following day on my remaining 10 miles of charge. Of course, as soon as the Hertz employee in Exeter plugged it into their own charger, the charging worked immediately. I have driven EVs before, I know how to charge them, and it definitely did not work at about 10 different chargers between London and Exeter. I took photos on each occasion. Luckily they had another vehicle available and transferred me onto it. It was an identical Polestar 2 to the original car. 2 minutes down the road, to test it, I went to a charger and it worked immediately. I also charged with zero issues at 2 other chargers before returning the vehicle. I think this shows that it was a charging fault with the first car and not my inability to do it properly. I wrote to Hertz, sending the hotel, dinner, breakfast and hotel parking receipt and asking for a refund of these expenses caused by the charging failure in the original car. They replied saying they "could not issue a refund" and they issued me with a voucher for 50 US dollars to use within the next year. Obviously I have no real proof that the charging didn't work. My guess is they will say that the photos don't prove that I was charging correctly, just that it shows an error message and a picture of a charger plugged into a car, without being able to see the detail. Could you advise whether I have a case to go further? I am not after a refund or compensation, I just want my £200 back that I had to spend on expenses. I think I have two possibilities (or maybe one - see below). It looks like the UK is still part of the European Consumer Centre scheme:  File a complaint with ECC Luxembourg | ECC-Net digital forms ECCWEBFORMS.EU   Would this be a good point to start from? Alternatively, the gov.uk money claims service. But the big caveat is you need a "postal address in the UK". In practice, do I have to have my primary residence in the UK, or can I use e.g. a family member's address, presumably just as an address for service, where they can forward me any relevant mail? Do they check that the claimant genuinely lives in the UK? "Postal address" is not the same as "Residence" - anyone can get a postal address in the UK without living there. But I don't want to cheat the system or have a claim denied because of it. TIA for any help!  
    • Sars request sent on 16th March and also sent a complaint separately to Studio. Have received no response. Both letters were received and signed for.  I was also told by the financial ombudsman that studio were investigating but I've also had no response to that either.  The only thing Studio have sent me is a default notice.  Any ideas of what I can do from here please 
    • Thanks Bank - I shall tweak my draft and repost. And here's today's ridiculous email from the P2G 'Claims Dept' Good Morning,  Thank you for you email. Unfortunately we would be unable to pay the amount advised in your previous email.  When you placed the order, you were asked for the value of your parcel, you stated that the value was £265.00. At this stage the booking advised that you were covered to £20.00 and to enhance this to £260.00 you could pay an extra £13.99 + VAT to fully cover your item for loss or damage during transit, you declined to fully cover your item.  Towards the end of your booking on the confirmation page, you were then offered to take cover again, to which you declined again.  Unfortunately, we would be unable to offer you an enhanced payment on this occasion.  If I can assist further, please do let me know.  Kindest Regards Claims Team and my response Good Afternoon  Do you not understand the court cases of PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729)? In both cases it was held by the courts that there was no need for additional ‘cover’ or ‘protection’ (or whatever you wish to call it) on top of the standard delivery charge, and P2G were required to pay up in full for both cases, which by then also included court costs and interest. I shall be including copies of both those judgements in the bundle I submit to the court next Wednesday 1 May, unless you settle my claim (£274.10) in full before then. Tick tock…..    
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Reduced Income - reduced mortgage payment agreement


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hopefully it doesn't as AP is a devil to get rid off and can screw credit for upto 12yrs if a default is not registered.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Still unsure how this agreement with the bank should be recorded. Bank literature does not state the exact nature of what they report. Not sure how people can make informed decisions when a lack of information exists.

Key to moving forward is:

1- what was reported - on case with this waiting for details.

2 - what should have been reported - for this still unsure - more help/research required.

3 - how then to reduce the impact on credit score - for this I am completely in the dark.

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SAR/GDPR returned - but incomplete. No transcript of telephone conversation. They know it exists but now claiming this is a second request with a 30 day turn round and no staff to access the recordings. More delaying tactics, delayed as wanted a signature/proof letter.

 

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Not good enough,

 

They failed, report them to the ICO. There is no such thing as needing a second request

 

https://ico.org.uk/for-organisations/report-a-breach/

We could do with some help from you.

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  • 2 weeks later...
  • 1 month later...

Still trying to get to the bottom of this. Her CRA shows the six months of reduced payments as late payments as follows:

You have arrears on your account

Up to two months late.

Lender has argeed to vary payments for a time - 1 Nov 19 to 1 May 2020.

 

The following  6 months entries then shown as:

 

latest 2 entries as  1 month late

4 entries as 2 months late

 

Questions - 1) why recorded as late? and 2) why different length of lateness? The arrangement ended in March 2020

 

Still unsure of how these agreed late payments SHOULD be recorded. Any help on this would be greatly appreciated.

 

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Barclays now stating they are unable to supply transcript of telephone conversation relating to the payment plan due to Covid 19 restrictions.

Fear just a stalling tactic.

 

As stated by London 1971 inclined to report them to ICO, but unsure of the benefits to my daughter and whether she or I have the energy to do so.

 

She is very stressed and just wants the matter resolved.

I realise this will take a very long time to clear and I am trying to focus on the process rather than the outcome.

One step at a time.

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Is your daughter now paying the full amount? Or has she taken a Covid 19 payment holiday?

We could do with some help from you.

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Daughter now in tears - just got a letter from Barclays advising mortgage payments increasing by £340 a month.

Given the impact of the payment plan on her credit file she is not hopeful of getting a better deal. Assuming it has gone from fixed rate to their SVR.

Really need some help.

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They have calculated the arrears and divided it over the number of months left on the mortgage.  It does sound a lot though, mine has only gone up £45 per month taking into account a 6 month payment holiday. Although I have 18 years left. Does she have much left on her term?

 

I think a good step would be to find a good broker, I'm not convinced that a few late payment markers is going to be terminal to remortgaging. Also how much equity does she now have in the property? More than 25% and she probably has a world of better deals to choose from, and can tell Barclays to Foxtrot Oscar.

We could do with some help from you.

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Think the increase is due to end of fixed term and switch to SRV. Going to see her later to today to clarify. Hopefully can arrange a remortgage on more favourable terms and pay of the arrears.

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We could do with some help from you.

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It's all about the equity. That is the most powerful tool you have.

 

This lockdown has hurt me badly, I've had a payment holiday, but by a quirk of fate, house prices round here have ensured that I am at 25% equity from the 15% that I put down 2 years ago.  

 

What she needs to look on her credit compare the mortgage balance with what she brought the house for.  Typically at the beginning of a mortgage your only paying off a few thousand per year of the capital. The longer she's been paying, the more equity she will have.

 

Then it's worth looking on Zoopla to get a loose valuation, on how much the house might have gone up.  Naturally any mortgage would be subject to an independent valuation in order to confirm this, but Zoopla gives a rough idea.

We could do with some help from you.

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I think she will have companies falling over her to give her a better deal. Anything over 25% opens many doors.  Although this would be subject to an independent valuation.

 

33% equity trumps a few late payments during the the worst economic crisis in 100 years.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Got to find for a really good broker to help. 

 

Has anybody on this site got recommendations for a broker or mortgage company that could help.

 

Site team  - Would it be worth starting a new thread for this request and if so which section should it be opened in??

 

Thanks in advance

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Hi, has anybody had direct experience of using a Goodwill Adjustment letter to a creditor to have a bad marker removed from file? Came across this on the Which website

Looking to see if it might be worthwhile for a late payment issue where poor advice was given, especially re consequences. All payments quickly made up so no outstanding credit issues.

I know this relies on creditor having some empathy which is rare.

 

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far more info needed intend...

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have threads elsewhere re a repayment plan (6 months) with Barclays Mortgages during a maternity leave. Arrears now paid, trying to re-mortgage but with great difficulty.

Not really advised of dire consequences of this decision, trying to get SAR info but no luck with telephone recordings as yet. Complaint handler appear sympathetic but who knows to what extent.

Looked at Which website and they mentioned a Goodwill Adjustment letter which I have never heard of.

Intention of this thread was to see if anybody had used this to remove bad markers from their credit files.

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3 threads merged

please keep to one thread.

 

forget the calendar section of a credit - no-one bar the original creditor and the person can see that

 

its the summary status line the any potential lender will only see.

 

so as it stands, she as 1 or 2 in the calendar section which, correctly shows she was either late with the required payment for that month or short paid what should have been.

 

although these will effect here potential 'score'.

as said above only the lender and her can see them

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Happy to stick to one thread, purpose of thread in CRA section was to target responses re the Goodwill Adjustment.

Lack of response from Caggers to this would indicate it to be at best a very rare occurrence, if used at all.

 

She has been via one mortgage broker who was unable to help. Appears only route at moment is to stay with Barclays. Guess she will need a specialist broker who specialises in those with credible file issues.

 

Arrears have now been paid off - not sure how this will reflect on her credit file

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always better to keep to one thread

as anyone thats read it will be alerted

whereby a new thread does alert anyone and they have to browse to find it.

no-one gets any alerts if a new thread is started in a forum anymore. 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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