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    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these they! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
    • There is no evidence that I was issued a PCN that was placed on the car and removed. It seems that I was issued a £60 PCN on the 8th of March (the parking date) but it was never placed on my car, instead,  they allege that they posted the PCN on the 13th of March and deemed delivered on the 15th. I never got this 1st £60 PCN demand. I only know about all of this through the SAR. I only received the second PCN demanding £100, which was deemed delivered on 16/04/2024 - that is 39 days after the parking incident.  I did a little research and "Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations." as per London Councils Code of Practice on Civil Parking Enforcement.  The main issue is that I was not aware of the 1st £60 PCN as I didn't receive it - I'm not sure how this relates to the 28-day rule because that rule applies to the initial £60 PCN. PCM could say that "we sent him the letter by post and it was deemed delivered on the 15th of March" therefore the 28-day rule does not apply.  As regards the safety of the parking attendant, that is clearly something he chose to feel and he made the decision that his safety was threatened - I didn't even see him or had any interaction with him. I'm nearly 50 and I definitely don't look aggressive 😊  
    • okay will do. I'll let you know if anything transpires but once again - many thanks
    • Personally I would strongly suggest not risking going there with debts. Very possible you wont get back out again. And I know many in that position. Not jailed just unable to leave. the stories of Interpol in other countries sounds far fetched but in and out of Dubai is not a good idea. only two weeks ago a mate got stopped albeit a govt debt.
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9/10 successful claiming mis-sold endowment. Advice needed for final stage, please!!!


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Hello

 

Winterthur have agreed that my endowment mortgage - taken out in 1998 - was mis-sold.

 

Hurrah!

 

All done without the use of one of the shark companies, luckily...

 

I have a question, though!

 

They have offered to calculate the loss in one of two ways and they've asked me to decide which of the two they should proceed with. This is where I am stumped...

 

They will either:

 

1 Calculate any loss by using my exact mortgage details - making allowance for any change in lenders or special deals that I might have had, or...

 

2 Use the
assumption method
which assumes that I had a Standard Variable rate mortgage with the Halifax throughout the term of my interest only mortgage. This method allows them to calculate more quickly, but using my exact mortgage details may provide a higher or lower redress amount.

They also want to know if I have since repaid my mortgage in full.

 

The facts are that I was on a Fixed Rate Mortgage with the C&G for the first 6 years after which I discharged the mortgage when I sold the original house, but have since transferred the endowment across to my new property and am still paying the monthly premiums.

 

Can anyone suggest what would be my best move?

 

I am not sure which route to go down in terms of redress nor what to do with the endowment itself now. I am almost certain that cashing it in would be a bad move but am open to advice on that!

 

Many thanks!

 

221b

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Sorry can't help you here but it is interesting as I too had an endowment with Winterhur Life (Halifax), taken out in 1994. Never done a thing about it though with regards to mis-selling and moved onto repayment around 1999.

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....

 

 

 

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Hi Dolly

 

If you're thinking of claiming in retrospect (not sure if you can do this, but it's worth a try), here's how I went about it...

 

http://www.consumeractiongroup.co.uk/forum/insurance-assurance-companies/40198-help-endowment-shortfall-please.html#post519020.

 

I only started claiming last autumn.

 

221b

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Will have a read of that, thanks - we bailed out after 5yrs when the endowment was failing miserably, less than half of what we had expected if I remember rightly. Our mortgage at the time was only £26k (those were the days!!) and after 5 years we had a £13k shortfall.

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....

 

 

 

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