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    • T911, Nick, thanks, I got there in the end! Without boring you with the details, it is precisely the most ridiculous cases that end up being lost - because the Cagger knows the other party's case is rubbish so doesn't do the necessary work on their own case. G24 are well aware of double dipping.  They have either done it deliberately or else have cameras which can't handle multiple visits to the car park which G24 happily leave malfunctioning so the £££££ keep rolling in. Sadly most people aren't like you.  I've just read various reviews for the Retail Park on TripAdvisor and Parkopedia.  Virtually all of them are complaining about these unfair charges for daring to spend time & money shopping in a shopping centre.  Yet no-one is refusing to pay.  They moan but think they have been fined and cough up. G24 are unlikely to do court, but it's not impossible with two tickets. Try to get evidence that you were elsewhere at these times. Often retail parks will intervene, but I've Googled & Googled and cannot find an e-mail address for the place.  Could the manager of one of your favourite shops give you a contact e-mail address for the company that run the retail park? Right at the moment I'm supposed to be teaching someone who runs two shops at the local shopping centre, but I'm not as he has had to go to a meeting with the company that runs the shopping centre, so I know for a fact that these business relationships exist!!!
    • Afternoon DX, The files were in date order. How would I put them into an acceptable format? I'm not that pc literate.  
    • I think you need to tell us what actually happened. Your original post gives the impression that you were taken to court for a speeding offence. But you go on to say that you received no paperwork. So you could not have been summonsed for a speeding offence because the police had no evidence that you (or anybody else) was driving (and it seems you were not anyway). You were probably summonsed (or more likely received a Single Justice Procedure Notice) for "failing to provide the driver's details." You would not normally be banned for this offence if you were convicted - it carries six points. So did you have any earlier points which meant you were liable to a "totting up" ban?  If you were originally convicted (as it seems you might have been) how was that conviction set aside? Did you perform a Statutory Declaration? There is simply too much missing for any meaningful help to be given. It seems as if there may have been an error by the DVLA but before you consider suing those idiots until the cows come home, you need to explain exactly what has happened.  
    • Point 4 and 10 duplicate Point 5 and 8 duplicate  Try to keep to one para with regards the agreement...various paras duplicating the same. Statement of truth is out of date refer to the claimants statement    
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Nemo Personal Finance


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Hi

 

Has anyone on these forums ever had a loan from Nemo Personal Finance ? (nemoloans).

I found their rate great for a secured loan, but when we had a new loan from them we were pressurised into keeping the ppi with them, so just wondered if anyone else has had these experiences with this company-thanks. :wink:

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Hi

Welcome. No i have never personally heard of Nemo, try reading the small print they may well be a subsiduary of a major company.

Try posting here http://www.consumeractiongroup.co.uk/forum/general-debt/ someone there will point you in the right direction.

AL:)

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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  • 1 year later...

after learning that we can cut our monthly outgoings by moving our small mortgage to be with the same company as our big one we asked for a settlement quote..

 

we originally borrowed £25.500

 

we have been told to settle the account we will need to pay them..£26,658.19

 

we have paid Nemo £245 a month for the past 29 months, totalling £7105.

 

and they still want £26,658.19

 

where do we stand, please please help any advice gratefully recieved

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Do you still have all the original documentation from when you first took out the mortgage. if you do, have a check to see what it says in relation to Early Settlement Charges (ERC). You may find that you have to pay a percentge of the loan on top of what is outstanding.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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No it shouldn't make any difference. If you take out one of these secured loans, there usually is an early settlement charge. It should be in the terms & conditions you got when you took out the loan

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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yes they are on the back but we just wasnt aware when we originally took the loan, it just seems so wrong that they have had that much money from us already and that they still want more than we originally borrowed, is there any course of action we can take,?

 

 

i mean, we are perfectly to happy for them to have the money we have already paid against the loan and pay them the 25.000 we originally borrowed, but not a single penny more, ...is that legal??

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Unfortunately, if they gave you the terms and conditions when you signed up for the loan, I'm not to sure there is anything you can do. When you signed the agreement you were agreeing to their terms and conditions.

 

Did you take out PPI? If you did, there maybe something you can do about that, especially if it was missold to you.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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  • 2 months later...

Hello

 

I am trying to get some back from nemo at the moment i think they are just awful.

We borrowed £37720 18 months ago our onthly payments were £433 pm, last aug i was going to remortgage so i phoned to have a redemtion figure which was just over £38000 fair enough but in the end didnt remortgage until now so ive paid another 9 payments and just had my redemption figure of £41751, how is that?

I told the agent at nemo when i was taking the loan that it would be paid off within 3 years he said thats fine, he said the shorter i have the loan the more id have to pay back, so when i asked for this redemption figure i expected to have to pay back what we borrowed not over £3000 more plus the additional monthly payments theyve had of almost £4000 so that mean by having the loan and extra 9 months has cost me approx £7000 more how does that work?

 

I woulodnt reccomend anyone to go to nemo. Ive wrote to them posted yesterday explaining my complaint can i take it further as i feel ive been conned and misled and robbed of my hard earned money.

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Hi

 

Has anyone on these forums ever had a loan from Nemo Personal Finance ? (nemoloans).

I found their rate great for a secured loan, but when we had a new loan from them we were pressurised into keeping the ppi with them, so just wondered if anyone else has had these experiences with this company-thanks. :wink:

 

 

di0430

 

The PPI with these isn't the usual the insurance is generally in the form of a loan which they add to your borrowings, you do not have to take it.

Sharkie

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after learning that we can cut our monthly outgoings by moving our small mortgage to be with the same company as our big one we asked for a settlement quote..

 

we originally borrowed £25.500

 

we have been told to settle the account we will need to pay them..£26,658.19

 

we have paid Nemo £245 a month for the past 29 months, totalling £7105.

 

and they still want £26,658.19

 

where do we stand, please please help any advice gratefully recieved

 

peanutmuncher

 

If this is nemo I believe the cutoff for early repayment charges is 36 months, it should be in your contract, in tiny, tiny, tiny, tiny, print.

Sharkie

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