Jump to content


  • Tweets

  • Posts

    • Hi All I know this a long shot but ha anyone got any advice please? Nearly three years ago (maybe more) my ex took a contract out for a new phone for my birthday that I ended up paying the bills on (lovely present huh) I have always paid the bill for this. The phone number that I have had for most of my adult life was passed over to this contract and I am old now haha We are now divorced and have not been in contact  - he is abusive and I have nothing to do with him. I cannot enter into any dialogue with him whatsoever. I have continued with my phone contract and number etc but am stuck - I have no access to my bills even though they come out of my account - as the contract is in his name I cannot get a pac code to move therefore I will lose my number if I cancel- sky just quote data protection at me which I get but this is soooo frustrating!!!! I know that the sensible thing would have been to just l cancel the dd lose the number get another contract elsewhere and get over myself and move on but I am just asking out there as a final desperate attempt - can anything whatsoever be done??? Thank you in advance :)
    • What's your intent, or interest? I can't see that you have any cause of action regarding bills issued by one third party to another third party. Is the idea to use this as a lever "I'll denounce you to HMRC unless you do blah blah .." That might in fact have no teeth anyway, HMRC will aware of the company's turnover via their other tax affairs.  As a matter of fact a company buying VAT rated supplies and selling to VAT registered customers is actually worse off if not VAT registered themselves. Has your court case reached it's conclusion yet?
    • Hello, welcome to CAG.  I expect people will be along to advise later. We aren't here to mock, this is a serious forum. If you feel you're being picked on  report the relevant post to the site team.  Best, HB
    • no that is not a defence. because you don't have a photo
    • I purchased the vehicle using finance through motonovo under a HP 60 months agreement. I have now amended the document ensuring all is in black. Unfortunately, this email has now been sent. However, I have not sent a letter to big motoring world. Also, I have taken the section of the firealarm issue. I am struggling to convert to PDF. I am not tech savy at all. My mistake was that the the salesman was very fussy on a sale. We went down a quiet road for a little test drive and not for a lengthy road test. The water issue was not present at this moment of time. However, it only became prevalent after driving away, after all docs signed. I did stated to Audi I wanted a diagnostic report. However, they carried out an Audicam which is footage of the issue. Audi have diagnosed the issue as a common issue where coupes/cabriolets accumulate water in the seals. However, I did state beforehand for no issue to be rectified due to me wanting to reject the vehicle. I am awaiting a report from Audi through email from the branch manager in relation to the issue. The issue so far is the water still being present in the sills. Audi tried to fix the issue however the problem is still prevalent. Regards 
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Benjy633 Skipton charges ...**Settled 400**


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6331 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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 :)

Link to post
Share on other sites

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

 

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

 

 

Link to post
Share on other sites

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

Link to post
Share on other sites

  • 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

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...