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    • Hi Schipoo and thank you for the update.   Excellent news for you and a huge relief, I imagine. You might like to start a new thread about Independent Tax if you want advice on that problem. HB
    • Hi everyone, I have an update on my case that I’d like to share with you all.  so after submitting 371 pages in my bundle, a witness statement and skeleton argument for my court case due to take place in Manchester on June 21st I got an email from my litigator stating that hmrc have pulled out and the case is now closed!    this is the body of the letter….. This letter, which is copied to the Appellant, pursuant to Rule 17 of the Tribunal Procedure (First-tier Tribunal) (Tax Chamber) Rules 2009, the Respondents gives notice to the Tribunal of their intention to not defend the above appeal.   The Respondents respectfully invite the Tribunal to allow the appeal and close its file. In lieu of the above the Respondents would respectfully ask the Tribunal to vacate the hearing scheduled for Friday 21 June 2024. We would accordingly invite the Tribunal to close its file. Obviously this is extremely good news which hasn’t sunk in that after 3 years of fighting it is over.    I do have a further fight on my hands in that the Group Action I had joined with Independent Tax that had been disbanded in November last year and I chose not to continue with them. They are trying to bill me over 5k for the work they did under that Group Action which is ludicrous bearing in mind the whole point in joining was that it would keep the cost to a minimum as it would be shared between us all. They had asked if I wanted to continue to have them represent me on an individual level which I declined, if I hadn’t, goodness knows what they would have been trying to charge me now. 
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    • As PM Sunak really showed his true colours at the D Day Commemorations by doing what? Oh I am the British PM lets just leave early I have better things to do and as he is called out on disrespecting all those veterans that served our country for the freedoms we have today he gives a groveling apology to little to late. He knew about this event for a long time and also knew that this is probably the last D Day Commemoration due to the age of those Veterans who gave so much for there countries freedom. Even on the day of the D Day Commemoration he still could have changed his plans As PM and stayed but choose not to showing such DISRESPECT to those Veterans, those that lost there lives and Families for the Freedoms we have today Being a Veteran myself I have never known a PM to show such disrespect what the hell was he thinking SHAME ON YOU PM SUNAK  
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Benjy633 Skipton charges ...**Settled 400**


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Hi Guys

I have incurred a raft of charges for not paying the full monthly amount on my mortgage whilst in hospital. The DSS paid a portion but the shortfall was approx £250 each month and the Skipton building society charged me up to £190 per month charges for shortfall and accrued arrears. I have paid this all back last year but now wonder if any of these charges may be recoverable ?

Any help gratefully received.

Cheers :)

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Hi.

Yes as long as the charges are penalties, whcih they are as they were added due to a breach, then you can claim them back. Start off by reading the FAQS (see link below) and get a good understanding of the process (see step by step below too)

Start a thread in the mortgage forum and ask any questions you need, best to be safe than sorry!!

 

Good luck

 

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Hi mrsfoot

Thanks for the reply. I thought I may have missed something in the FAQ. I will read thru again. I am reasonably confident in the process but I guess my main concern is if the lender (Skipton Building Society) took offence and closed my account, with a now less than perfect credit history, I might find it difficult to place my mortgage elsewhere.

Any thoughts ?

cheers

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Hi Benjy

 

Be very careful taking on your existing Mortgage lender, as you may need to call on them in the future if something were to come along. You would need to get your statements to see how they are worded.

 

Uk..

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Hi ukaviator

Cheers for the reply. You've hit the nail on the head, these guys (Skipton) are my existing lender and whilst I think the charges were excessive I could be in a world of pain if they closed my account.

cheers

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Hi

 

They probably would'nt close your account as it is a Mortgage. It's just that they may not be very synpathetic in the future.

 

Uk. .

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Hi Ukaviator

The thing that has prompted me down this route is that I spent 4 years in and out of hospital (motorbike thru dry stone wall) and the charges incurred total almost 10k, which I have paid off but when I saw the breakdown of actual arrears and charges horrified me.

cheers

B

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Have moved here.Of course you can still pursue the charges if you find yourself able to later.Actually 10K is a lot of money andI would certainly rethink your decision.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Benjy

 

There is no harm in testing the water. 10k is quite an amount. You could send a prelim and see what the reply is.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 1 month later...

Hi

Back online after another hospital visit (Doh !)

Have just spoken to the Skipton BS about the possibility of claiming back my arrears charges and they advised I probably would not get anything but offered a token jesture of good will of £400. My arrears charges total £5580.94 since 2001 so I think I will pursue the full amount.

Onwards and upwards

Cheers

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Hi Zootscoot

Thanks for the swift reply. Even though my charges are arrears (£180 charge in one month from £200 shortfall between dss payment and actual mortgage payment) and not ERC, do you reccommend accepting the £400 token offer ?

Cheers

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Ok......... So no response from the Zoot, so I have taken my best shot and accepted the £400 offered as a token jesture. I do feel I have sold out in the simpatico of this whole web site, but hey ! I got £400 just for making a phone call.

All the best to future claims.

B.

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Hi Benjy,

 

Sorry for not replying, have been a little busy of late. Have you accepted the 400 in full and final settlement? If not there is a possibility of claiming the rest at a later date.

 

The thing to watch out for with mortgage claims is the legal indemnity clauses. Some companies have used these to recover legal costs also fast track cases are always risky. Although there may be ways to overcome the risks.

 

All the best

 

Zoot

 

Congratulations on the 400.00!

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