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    • god where ever did you find all that twaddle rabbit hole stuff to go down .... no wonder you came here...we don't allow nor portray twaddle , neither lead people doen rabbit holes that then cost them money by sending PM's offering help of anything upto £360 for even a failed CCJ defence...   anyway enough of that BS. lets get you moving in the right direct , you should be ok as CEL are always losers if you do things correctly   can you fill this out please:   Received a Court Claim From A Private parking Speculative invoice?? - How To Deal With It HERE***Updated Aug 2016*** - Private Land Parking Enforcement - Consumer Action Group
    • Where was the help for the environment, social care, renters, and to cover the future costs of Covid? View the full article
    • Hi All, I have received a parking ticket as RK (thats registered keeper right?) for overstaying by 16 mins in a well known wholesalers car park in Liverpool. I read some very confusing (and sometimes contradictory information on several sites) on how to deal with this. I followed the instructions to firstly challenge the validity of their claim. I wrote to them (no response) and emailed them. I had to guess at the email address because they provide only the registered office address or a 'claim line', which if i had contacted them on that, would have been agreeing to their idea of us having a contract in the first place (right?). i eventually got the admin email and sent it there, stating that i had already written to them with no response. I got a response saying that they do not respond to correspondence at that address and i should either write to them (already did) or contact via the appeals line or appeals email (again with the acknowledgement that its an appeal i need, rather than straight up confirmation). I asked in at the wholesalers customer/ member services in store about the car park ownership and they informed me it was a consistent problem and they didnt know the owner. I have contacted the head office in Herts for the information. (Customer services/ member services/ online services & complaints) for the information regarding ownership of carpark and the contract of agreement between them and the CE parking management with no luck. I received no further correspondence and therefore assumed that they had dropped their spurious claims. They acknowledged my letter with: "Response from representation team -  We refer to your recent correspondence. We accept for you to pay the original reduced sum of £100. The Parking Charge Notice has been passed to a debt recovery agency. All further enquiries, including payments, must be directed to them. Please follow the instruction on the correspondence you have received." I received nothing else until I receive a Northampton county court business service court claim. The amount is now in the hundreds (£274). I have acknowledged and sent back the form with nothing else written on it. now i have another week or so to mount my defence. I dont know anyone who speaks 'legalese' and frankly its giving me sleepless nights. Incidentally, at the time of the alleged 'contravention' there was a bout of sudden severe weather which was 'waited out' inside the wholesalers porch by several members and their children because the soft furnishings and electricals (for example) bought in store would have been destroyed by the downpour. Further investigation into the owner of the Civil Enforcement ltd has shown me that they are owned by CCP parking, who are in turn owned by Qa Nominees and are owned by people exposed in the Panama Papers scandal.   I am feeling like im a tiny part of a very big scam here, one that DVLA are profiting from. Under advisement, I have written a complaint to the wholesalers complaining about being treated so shoddily as a member. Under advisement, I have also written to CE ltd requesting a Subject Access Request. But I really dont understand the process or what steps to take now.
    • Hi Anney,   When you get the SAR, can you give us some more detailed info info like loan amount, date taken out, last pay't made, balance remaining,.
    • Also what reason do Vodafone give for the sudden increase in the bill In Jan 16? Why no ETFs in that note there?   I don't think you are getting the whole picture.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
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      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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Barclays First Plus/Elderbridge FOS Mediation


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Did you raise a dispute to the claim ? If not it would not require allocation and would have automatically been placed in either FT or MT.

 

 

The hearing

 

CPR 55.8

 

(1) At the hearing fixed in accordance with rule 55.5(1) or at any adjournment of that hearing, the court may –

 

(a) decide the claim; or

 

(b) give case management directions.

 

(2) Where the claim is genuinely disputed on grounds which appear to be substantial, case management directions given under paragraph (1)(b) will include the allocation of the claim to a track or directions to enable it to be allocated.

 

(3) Except where –

 

(a) the claim is allocated to the fast track or the multi-track; or

 

(b) the court orders otherwise,

 

https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part55

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well done you i'm going to recommend we announce this too.   i've merged your old thread for history

Then as per my last post ...the court must have decided to dispense with DQs and placed it automatically in Fast Track...always handy to retain a file from any court dealings then you have all the paperwork to hand for future reference.

We could do with some help from you.

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well if it was that straight forward and Elderbridge believed they are correct to charge the costs or add them to my loan etc, then why has it taken them over 4 1/2 months to tell me so.

 

They still have not responded to me about this, they've treated it as a complaint and have not replied!

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MF I have nothing but admiration for you, I’m very glad that you have the buyer , if it were me in your position now, I would go back to court and let the judge know the other party are trying to add costs even tho these can sometimes be added to the final mortgage amount and and find out if indeed it was the judges intention you should be liable, because maybe there is a difference between a secured loan and a mortgage ?

 

The other aspect worth mentioning i think, is that firstplus failed on many counts to adhere to pre court action protocol also failed the the lenders duties, together with many other aspects listed in the shelter advice site leading to: order the lender to pay your legal costs and stop your lender from adding their costs on to what you already owe them.

Whatnot..

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well if it was that straight forward and Elderbridge believed they are correct to charge the costs or add them to my loan etc, then why has it taken them over 4 1/2 months to tell me so.

 

They still have not responded to me about this, they've treated it as a complaint and have not replied!

 

They cant add them...we have already covered that.

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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Thanks Andy,

 

Not much I can do right now I suppose, I'm waiting to hear from the court that they've found my file, waiting for my SAR to come back too.

 

When he SAR gets to me, I plan to make them an offer, I have already paid around 94k, I borrowed 100k, they can have 6k at the most. Or I pull out of my sale and go to court.

 

I am aware that they have now settled with 5 other customers now. I know things that I don't think they want me to know, it'll be in their interest to make a deal

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  • 2 weeks later...

well it will come as no shock that Elderbridge have not complied with the SAR, I have now complained to the ICO. also still no reply to my complaint re the settlement amount.

 

But got this from the court, which still doesn't make any sense!

 

‘This is a mortgage case, so the mortgage itself usually entitles the Claimant to add legal costs to the mortgage account. The court therefore does not order costs and the Defendant will need to check with the Claimant what costs (if any) were added to the mortgage account. The case was allocated to the Fast Track by order of District Judge ****** made on ** June 2013. That decision would have been made based on the type of claim, its value and complexity among other factors.’

 

I replied back to them

 

'The issue I have is that the case was for over 100k which is well above the 25k limit, it was also quite complicated.

It is my understand that costs can only be added to the mortgage account if they are reasonable but the costs were not assessed. Also in a fast track trial I believe the costs are capped, but capped at what? They supplied an estimate of their costs but as explained costs were not discussed in the last hearing, I do not understand how the judge can say in the Trial that costs will be discussed in the next hearing, then not discuss them and this then means that the claimant can just add them?'

 

their next reply was

 

'As mentioned in our previous email, the file was located and referred to the judge along with your correspondence. The previous email contains the judge’s comments after reading your correspondence. Also, please note that court staff are unable to comment on judicial decisions. If you are not satisfied with the decision and want to contest it, please seek legal advise on how to proceed. '

 

It make no sense to me that they would mention in the trail that costs would be rserver till the next hearing then not mention them at all and because of that Elderbridge are allowed to just add them. also surely the court also needs to clarify whether interest can be added as it looks like that's what they've done!

 

any further advise greatly appreciated

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further to this .

 

Got a letter from Elderbridge saying our signatures do not match and asking for ID! received yesterday but dated 11th Oct (conveniently 1 day before the 30 day deadline) are they seriously expecting me to believe that it took 7 day to reach me!!! come on now!

 

I am absolutely livid (as you may be able to tell!)

 

Now the loan was taken out before we were married so I thought they might says that my signature did not match and ask me for ID but they are asking for both of ours - my husbands signature has not changed for over 30 years!! they are also asking me for a certified copy of my marriage cert.

 

I called the ICO and explained the above, told them I believe they backdated the later to be within the time limit - she agreed that it seemed that way, and that they should have immediately replied to my request asking for my ID not waited till the 30 days was up or almost up.

 

she advised me that if I want the data then I will need to send them something to prove my id, but she sad that she thought having a certified copy was not proportionate. and that they will most likely be in trouble for delaying it so long

 

she told me to send reply to them then forward that to the ICO along with a copy of their letter received yesterday and it will all be added to my complaint.

 

I am just so annoyed at the complete lack of respect they have for me or any of their customers, trying to pull the wool over my eyes like that, did they think I was born yesterday??!!

:-x :-x

Edited by dx100uk
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And you expected anything else but them do do that?

 

Send ctax bill copy

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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  • 8 months later...

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Thanks Bankfodder!

 

Hello again everyone. 

 

I received my SAR back from Elderbridge and what and absolute load of **** it is!

 

1.  They did not send any transcripts or recordings of any phones calls  - both myself and my husband spoke to them in Aug 2016 (noted in their diary notes) and I called them in Dec 2018 (again noted in their diary notes) it was the same day they sent the reply even though they have mentioned me calling in their notes on that day, so not sure I should let that go or not!   I also spoke to them in July 2016 (again in the notes) and I spoke to them in Dec 2012 (again in the notes) 

 

2.  Going through the diary notes in the beginning notes were sporadic mainly because we were making payment and everything was ok, then later as things changed there were notes almost once a month, then in NOV 2012 and Dec 2012 frequency of notes increase as this is when they began court proceedings.  and throughout 2013 again lots of notes made - mostly their in house stuff about court dealings and so on - so that's fine.

then in NOV 2013 hey made a not re the court date in OCT - saying that they were ordered to treat the loan as having a fixed rate from inception and sent off etc.  BUT from 21 Nov 2013 to 17th June 2014 there are no notes at all!  Now the hearing was on the 10th Jan 2014!

 

17/06/2014 14:43

*****Substantial EVS costs to be added to any SF ******

17/06/2014 14:43

EVS Defended +

At the hearing on 10/01/2014 an SPO for 500 on 26/01/2014 and then CMI + £60 wef 26/02/2014 plus MJ for £103,331.03 suspended on the same terms. It was also held that we could add our costs - Defended costs on this case are £33,879.80.

17/06/2014 00:00

Reviewed

Reviewed

17/06/2014 00:00

***Defended Costs*****:To be added to any SF

***Defended Costs*****:To be added to any SF

21/11/2013 04:13

ADHOC Statement Printed

From 03/10/13 To 13/11/13 Batch 2015 Sequence 28 Printed 13/11/2013 00:00:00

 

Above you can cleary see the gap then suddenly the first notes talk about the court case and costs etc, at the trial in OCT the judge reserved cost till the next hearing (also stated on the documentation from the court)  but then at that hearing in Jan 2014 we did not discuss costs - the 6 month gap I feel is very suspicious. 

 

The final court document  dated 13th Jan 2014 says to pay the claimant £103,331.03 which is the amount outstanding under the mortgage and goes on to says order were not to be enforced as long as we pay etc.  no mention of costs at all - so they seem to just be adding them

 

3.   They sent a field agent to me in Jan 2018, I only knew this as on the 9th Jan 2018 I was working at home and heard the letterbox, thought it was the postman, went to the door to find an envelope shoved through the door with a letter in it saying they had been requested to visit me and that they called today but I was not in! and gave a number for me to call ( I saw the woman walking down the driveway - but she did not ring the bell! and I wasn't about to run after her!)

 

But in the notes they have written this utter lie!

 

30/01/2018 12:44

Field Agent Report Received

The field agent visited the security address on three occasions.

The customer was spoken to through the window. They refused to discuss and refused to answer the door.

The contact number on file is not recognised.

RFA - Not known

Reasons for items not verified:N/A

Details of variances of items outside of expenditure guidelines and reasons N/A

Property is a detached house in good condation valued at £406,000. Equity not known.

I actually cannot believe what I have read here! Can I ask them for some kind of proof of this, because I don't know who they are talking about but it certainly wasn't me!

 

4.  the documents they had sent me a joke, they have sent 77 documents in total, none of these are copies of letter from Elderbridge (which is who I sent the SAR to) all from First Plus and certainly not ALL of them, they have been bulked out by sending me copies of documents that I sent TO THEM for my court defence and there are strange Black boxes over some of the text!? which I don't understand!

 

 

After receiving this info from Elderbridge I decided to send a SAR to Barclays and I got a small package with a couple of letters, some diary notes and screen shot of the account, as well as a short statement of account. This was for our ORIGINAL loan from Feb 2006,  (we topped it up in June 2006) and the first one was closed.  The second one is the one that has been transferred to Elderbridge but Barclays seem to know be denying ALL knowledge of it! and I know that they still hold the beneficial interest of these loans and that Elderbridge regularly contact Barclays for help and advise - I have contact with other account holders who have diary notes from Elderbridge showing contact to Barclays!..

 

This week I also had a reply from the FOS (only from an adjudicator not an ombudsman) and his initial opion is that it's ok for Elderbridge to claim the costs as we defaulted, he seems to be ignoring my argument that the relationship is unfair etc but I will be sending this back and asking for it to be looked at by an ombudsman.

 

But was hoping that someone here could give me any advise re all of this - sorry I know it's a lot!!

Edited by Myfamily
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  • 1 year later...
  • The FOS have finally seen that there is a massive issue with these loans after years of customers telling them. I was taken to court by them in 2013/2014 for possession but successfully got a decision from the judge that the interest rate variation clause written in the contract was unfair (see Firstplus vs Murphy & Dye) but others have not been so lucky - some have lost their homes to these people or are maybe still struggling to pay them

    If you have a first plus loan (now transferred to Elderbridge) please make sure you make a complaint to Elderbridge or Barclays first plus asap! please feel free to use the court judgement above too - although it did not set a precedent, it will only help you!

    Please also check out the following urls (use chrome) - these are archived web pages from first plus's website

    the first is in 2006 - under the section

    How does the variable interest rate affect my loan?

    they state quite clearly

    "From time-to-time, your monthly repayments may go up or down in accordance with the Bank of England interest rate movements."

    http://web.archive.org/web/20060812175251/http://www.firstplus.co.uk/new_customers_faq.aspx#loanfor

    Yet they did not reduce their rates when the BOE rate dropped to a historic low did they?

    then 2008 where you can see they changed it to say "This is the rate of interest that fluctuates over time with general interest rates" – becoming quite vague in their explanations.

    http://web.archive.org/web/20080223123115/http://www.firstplus.co.uk/aboutourloans/Pages/loan-jargon-buster.aspx#v

    And finally in 2015 close to when they sold their loan book to Elderbridge they then changed their website and then said that it is not tied to the BOE or FHBR

    http://web.archive.org/web/20150511120847/http://www.firstplus.co.uk/FAQs(please select Interest rate changes for the dropdown to view)

    Here it states

    "The product is a variable rate product and the rates charged on the loan are not tied to the Bank of England or Finance House Base Rate.

    Our terms and conditions permit changes to the rate for various reasons, including to reflect changes to interest rates and to ensure our business is carried out prudently, efficiently and competitively. The reasons which allow us to vary the interest rate are set out in your loan terms and conditions."

    This is a clear contradiction to the version in 2006 when most customers took out their loans.

    This is simply mis-selling of product as well as being unfair, you have not been able to predict or rely on any specific market deviations that may give rise to a change, moreover, they do not provide any specific data to enable you as the customer to plan for any such changes.

    I have now not paid them for 2 years and complained again last year - my case is with the FOS and I hope that it will resolved soon, I have done a simple internet search and found a freedom of information request to the FOS for the numbers of complaints about this, the reply was that they have negotiated settlements on 150 cases and have 60 outstanding (this letter was dated July 2020)

    I in my complaint to first plus I advised that I have been given a lot of information from a friend who was in court with them but due to what she was about to ask for in court they very quickly settled her account in full after previously giving her a settlement figure of 189k! Based on this I stopped paying them 2 years ago and they have not chased me - now I do not suggest you do that as it will affect your credit score - I did because I had already suffered the default on my credit report for 6 years so would not affect me and I wanted them to take me to court again but they have not even written to me to ask why I have stopped paying.

    So again please make sure you make a complaint now - you will need to give Elderbridge 8 weeks to resolve -they will deny that they have done anything wrong but after that make sure you send to the FOS. Do not be put off by anyone on other advise sites such as Moneysaving expert or elsewhere, you have been miss-sold miss-led and generally treated badly and it's time for payback!
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well done you i'm going to recommend we announce this too.

 

i've merged your old thread for history

  • Like 1

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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