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    • Am in the middle of selling my house but it's been held up as still showing a change on the property from welcome finance, have not had any contact from them for years or prime credit and need this sorting asap
    • Evening all looking for bit of advice again , currently doing my own debt management , but think may have burgered up on 1 of the creditors (creation loan) had got sold to Intrum around nov 23 and havent paid anything to it since then , it never went to default ( I thought it did  , now checking credit file , intrum is there and says 1 missed payment and doesnt say account defaulted can i let that go and intrum will default it? hope that makes sense what i have said
    • Hi. You've left the PCN number on the 22nd March letter and your name on the one below that. It's best to cover those up please. HB
    • 1 Date of the infringement 14/02/24   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 21/02/24   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s   3 Date received 23/02/24   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Yes   5 Is there any photographic evidence of the event? Yes   6 Have you appealed? [Y/N?] post up your appeal] No   Have you had a response? [Y/N?] post it up N/A   7 Who is the parking company? Euro Car Parks   8. Where exactly [carpark name and town] St Nicholas Street, Weymouth   For either option, does it say which appeals body they operate under. POPLA / BPA   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here -Final Notification Letter from Euro Car Parks -Warning Of Legal Proceedings Letter from Debt Recovery Plus   Please can anyone advise on how to proceed from this point? I've read a number of threads about snotty letters etc but with the fact it's gone straight to a debt recovery company i doubt a snotty letter will get me anywhere. Is it just a case of waiting for a potential claim to come through or is there something i can be researching / doing in the iterim from this point forward? Many thanks, MDG convert-jpg-to-pdf.net_2024-05-02_17-59-16.pdf
    • wont remove the rest k , it was a joint vol charge. both your names are on the charge too.  
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      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.  

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    • 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.

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


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Unfortunately all of those companies have the legal indemnity clause and try to recover their legal costs from you. This can amount to more than the amount you are claiming. It might be best to wait for a while until we can clarify the position on the use of such clauses with the FSA.

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  • 2 months later...

I have had, in the past, 3 different mortgages.

1st) Igroup - £25k, in arrears for just under 2yrs til i remortgaged with...

2nd) SPML - £55k+/- in arrears for 6mths til I remortgaged with....

3rd) Kensington £80k+/- in arrears for 9mths til I gave up all hope and sold the house!

As you can probably understand, with the total time of arrears I paid a fairly hefty amount in charges etc. Late payments, missed payments, 2nd attempt missed payments,

 

What exactly can I claim back? And is there a limit to how far I can go back?

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You can claim arrears fees, late payment fees and returned payment fees.

 

Start off by doing a SAR. Use the one from the bank template library simply change the wording to reflect that it is for a mortgage account.

 

If the charges were added to the overall loan you can go bac 12 years. If they added the charges to your monthly payment or the arrears then the standard 6 yrs applies unless you raise s.32 of the Limitations Act.

 

All the best

 

Zoot

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