Jump to content


  • Tweets

  • Posts

    • Thanks I just had a quick look.  Will study over the w/e My friend does have kids. But it's a really dysfunctional family.  They don't talk.   Many years ago he sold 2 property assets and gave them a lot of money (enough to buy homes w/o loans) .  They've done nothing for him in the last 2 decades. And he altered his will so his new partner gets everything; the kids nothing (more). The 1st form I glanced at - to be deputy - asks for family details.   If I give his kids details I suspect the authorities may say they should get the deputy job instead?  Then  they will steal the money and give nothing to his partner. I can get a copy of the medical assessment  - and get it translated.  If need be.   This has all happened very quickly.  He got sick. And that must have kick-started dementia.   He was fine to hold a detailed conversation 6months ago; now he cant
    • Hi I think the only way around this as he lacks capacity is someone is going to have to apply to be a deputies via the Courts as he has assets here in the UK and a UK Bank Account which will take time and there will possible be Court Fees to make the application. Also if the Lack of Capacity (Dementia) was diagnosed abroad the person applying for deputies will need that diagnosis and it will need to be translated legally for the UK Courts so possibly cost for this as well. Also for reference although you were assisting them before the lack of capacity and had authority to act on there behalf that no longer stands due to there diagnosis of Dementia therefore Lack of Capacity so you no longer have any authority legally to act on there behalf unless the below is actioned or someone has Power of Attorney for that individual (which was setup before the Lack of Capacity) Have a wee look at these links: https://www.gov.uk/become-deputy https://www.lawsociety.org.uk/topics/private-client/mental-capacity-international-aspects#:~:text=You might need to make,act within the foreign jurisdiction https://www.gov.uk/government/organisations/office-of-the-public-guardian I have got to ask with the Dementia diagnoses are you 100% sure the diagnosis states they Lack Capacity as not everyone that gets a Dementia diagnoses may lack capacity initially. Now the Office of the Public Guardian link above you could also consider giving them a call just to give them a brief on this situation and get there advice on what documents etc are needed for deputies to be appointed as the person with Lack of Capacity is abroad.
    • Ultimately, when systems wobble, there is little that can be done - except wait for a fix.View the full article
    • The ready-made drinks are at the heart of a labour dispute that saw thousands of Ontario liquor board workers walk off the job.View the full article
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 162 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

future mortgages


jodyperry
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6174 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

 

i am thinking of claiming my erc back and my ststement says erc £xxx then underneath interest £xxxx but it doesnt say whether it is penalty interest or interest normally due does anyone know which ne it would be on the redmtion statement?

HSBC - 11/9/06 - prem letter sent

19/9/06 - lba sent £3391 requested

5/10/06 - MCOL

17/10/06 - offer for £1600 on one account recieved

28/11/06 - Full offer recieved

 

Capital one - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent for £640

 

Lloyds TSB - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent fro £732

Lloyds TSB - 26/9/06 - prem letter sent - £391

Link to post
Share on other sites

The Lincoln three that received a an order from the court stating the defendant's defence will be struck out unless the defendant provides a list of all claims they have continued to trial and all claims they have settled!

 

You must have heard of this!

Link to post
Share on other sites

The Lincoln three that received a an order from the court stating the defendant's defence will be struck out unless the defendant provides a list of all claims they have continued to trial and all claims they have settled!

 

You must have heard of this!

 

Didn't know therewas 3 - thought it was only 2:o

Great news though.

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

Link to post
Share on other sites

hi too strong

 

i am just starting the process of claiming with future mortgages how have you found them?

HSBC - 11/9/06 - prem letter sent

19/9/06 - lba sent £3391 requested

5/10/06 - MCOL

17/10/06 - offer for £1600 on one account recieved

28/11/06 - Full offer recieved

 

Capital one - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent for £640

 

Lloyds TSB - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent fro £732

Lloyds TSB - 26/9/06 - prem letter sent - £391

Link to post
Share on other sites

hi too strong

 

i am just starting the process of claiming with future mortgages how have you found them?

 

 

Very quiet, I haven't even received a reply for my first letter but I did receive my statements so the address is correct.

 

They kind of slipped through the net as I have so many cases on the go.

 

Today I am sending "letter before action", see what comes back and depending on that I will be making my next move.

Link to post
Share on other sites

Hello there guys and 'gals'

 

I have just sent my first letter to Future Mortgages with respect to getting my ERC bank (over 3 grand) .. I took out the loan on my house about 18 months ago and paid them back 13000k in that period alone for a 50000k loan ... then when I sold my house to move to the USA I paid them off in full (you would have thought that they would be happy with the 13k alone but the final resettle figure I got from them was just over 58k including the 3 and a bit K ERC ... 4k of that was interest charges from April - Oct 06 .. I mean how can they justify that!

 

Anyway I have a UK address to send/receive my mail .. but I am going to fight them all the way on this ....

 

cheers

 

Bagone

Link to post
Share on other sites

  • 3 months later...

Just for people's peace of mind, I found that on reconciling FM's list of transactions (obtained late after a DPA request) to the Redemption Statement provided to my solicitor, they have called "Arrears Admin" charges "Fines" on the Redemp Statement!

 

Suffice it to say on issuing claim and obtaining judgment by default, I got the Arrears Admin charges back with interest.

Link to post
Share on other sites

  • 4 weeks later...

Hi

Quick question, I'm trying to repay my Future loan, I have had an ERC on my settlement figure of £7k but on my credit agreement it doesn't mention ERC charges it says 'You may end this agreement early at any time by repaying the outstanding balance due under this agreement. If you settle the loan during the first 5 years of the Term, you will be required to pay an additional sum equivalent to 6% of the outstanding balance on the date of settlement. They are also trying to charge the early settlement charge on the opening balance at the 1st of April not the balance todate? is this legal.

Link to post
Share on other sites

  • 2 months later...

Re Future Mortgages' Early Redemption Fees/Penalties (it doesn't seem to know what to call them), according to its Mortgage Offer, the ERP is 5 months' interest in year 1 falling to 1 month's interest in year 5 and beyond. Surely such a 'profile' illustrates profiteering?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...