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    • Hello I've got a parking ticket, see here... https://ibb.co/DfHqg9F https://ibb.co/QvqH52m https://ibb.co/pbPPdDg https://ibb.co/X2F1X25 I've been parking at a particular corner in a small Tesco car park for years. Recently they put two electric charging plugs, one where that spot is and one at the bay next door, so I stopped using them out of courtesy in case they need to be used (I use that Tesco every day and drive past every day but have yet to see anyone use them). Recently I went back to Tesco when it was reasonably dark. All the bays were full, including the three blue badge bays. I have one but none of the cars parked in the bays did, I noticed as I walked past them (nobody ever gets pulled for that because Tesco have never policed this small car park before). Since there was two free electric bay spaces, and since I wasn't going to be long (just one product), I parked into my former 'regular' spot. There was a notice on the wall but if I'm honest I didn't read it because (a) I'm thick, and (b) I honestly thought it was just telling people how to use the device (like I said, I'm thick) rather than this being a parking fine. I went back during daylight and the sign is very obvious (as you can see from the picture), although not so obvious at night, although probably still obvious enough for you to tell me "tough luck, pal". Now they want £100 or £60 if I pay quickly. Am I doomed?
    • Hi All   After a bit of advice to see where I stand. Bought a car in Sept 2022 on pcp. Been told it had a big inspection and was good to go. Had many issues with it throughout the year including trims coming off the car and sunroof not closing.   While getting the sunroof repaired at month 12, in Sept 2023, the bodyshop guy said your cars been in a bad accident. Garage said it hasn't but offered to take the car back at half of what I paid for it as long as I buy a replacement from them before inspecting it (probably damage control) (car was £78k, said they'd offer £40k "trade in value" as if doing me a favour).   Ended up getting a forensic inspection done for £2400 in Dec 2023, confirmed car was in a bad smash (write off level but unrecorded on hpi) and potentially unsafe to drive - front end is slightly bent towards 1 side, what looks like a hairline crack on the chasis, overspray, bonner with patches of filler all over it, damaged rubbers etc   Raised complaint to finance company and few weeks ago to FOS... just wondering what people's experiences have been like going through the FOS, main thing that concerns me is that it was 12-13 months after I bought the car that I realised what caused these issues and raised the issue to the garage/ finance co but the damage/ misaligned panels are actually visible in the advert photos which I saved thankfully.    Dealership has had my car for 4 weeks to let a few bodyshops look at it (without giving me a courtesy car!!!) Not giving me any updates either because I went to the FOS about it and didnt want to speak to them over the phone anymore as opposed to emails. Note: hanging trim was reported within 3 months but due to part delays it didn't come until like July 2023, within 2 months the piece came off again, claimed under repairers warranty for another replacement 6 weeks ago and within 2 weeks this time the trim is coming off AGAIN (assuming it won't stay on due to the car being actually bent out of shape slightly)   Any idea if I have a good case or if there's anything else I can do?   Thanks
    • After the dealer failed to refund the money I checked the sort code and account number to reveal which bank received the money. It turned out to be HSBC BUSINESS DIRECT ONLINE. I called them and they confirmed the account name wasn’t Langley Cars though obviously didn’t tell me the correct account name. My bank contacted HSBC after I reported this to be fraud and they did in fact do a charge back but reversed the decision when the dealer sent a copy of the receipt he gave me for the deposit where it said it was non-refundable. I said that doesn’t mean anything when the car should never have been put on the forecourt when it was a death trap, and not fit for purpose.   The MOT revealed only a few of the faults which he agreed to correct in a week as I needed the car to travel out of London for work. He didn’t meet that deadline either because there were other more serious problems as identified by my independent car check. The same mechanic informed the dealer of these faults. The car wasn’t fixed by the agreed date due to the extensive repairs needed. So he was in breach of our contract on many levels.    I requested the bank find out the correct name of the account and they said the only information they had was like you said was the account number and sort code. I challenged the bank stating that whenever I create a new payee if the name doesn’t match the registered account name, it declines the creation of the proposed payee. So what happened in this instance?    I checked company’s house using the address from where the dealership is located and there was neither the two names, one was aa advertised in AUTOTRADER and the other on the courtyards entrance. I thought as I had made payment to the dealers ‘Trading as’ name that it would more than likely be enforceable than any other. Indeed the Bailiff was the one to call me and say that a variation of the warrant of control needed to be done before he could go and enforce the order. I cross-checked the address on Companies House website and got 3 different business names. Only one appears to be car related.  I am unsure as to what I can do within the variation of the warrant which the bailiff felt was appropriate. I will speak to him again Monday. 
    • Their PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4. iit was not posted until 13 days after the event for one thing meaning it would be deemed to arrive on the 15th day instead of the 14th day. Now though we cannot expect that your PCN also missed the deadline there were still two other things wrong with the wording of the PCN that if your PCN has the same wording as your friends means that your PCN would not be compliant either. Their PCN does not specify the period of parking as required n the Act. It does show the ANPR arrival and departure dates but as those times include driving from the entrance to finding a parking place then later driving from the parking place to the exit cannot be described as a parking period. I suspect that the " Important Note" on your form will also not comply though I cannot be sure until we see your actual PCN.The reason I can't confirm that is because they sent out the PCN too late they have said that they are pursuing your friend on the assumption that they were the driver as well as the keeper-something that Courts do not accept. But it does look as if your PCN is not compliant which means that the keeper cannot be held liable to pay the charge. Only the driver can be made to pay it. If you have not appealed and revealed who was driving, there is no way that  Excel know who was driving.  So just to be sure please send them an SAR . On another topic do you have any proof that you did not stay there for so long just to really spoil Excel's day.
    • As your first PCN was a Notice to Driver which would have been followed by a Notice to keeper over a month later [even though it may only state Parking Charge notice] it is even more necessary to send PE an SAR. If either document fails to comply with the Protection of Freedoms Act  2012 Schedule 4 then both you and your father are in the clear. So you do not need to worry about is any paperwork from unregulated debt collectors and fifth rate solicitors. The only thing to look out for is a Letter of Claim and all you have to do is respond with a snotty letter back to them .  
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    • If you are buying a used car – you need to read this survival guide.
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    • 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
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My Mortgage Fees Were Refunded!!!!!!!!


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Here's a copy of the letter I have prepared to claim mortgage redemtion fees

Be very grateful if someone could comment on whether it's OK to send.

I'm not very confident in sending without someone having a look at it first

Thanks

Dashngail

 

 

Mortgages PLC

 

Request for repayment of redemption charge

 

Dear Sir/Madam,

 

ACCOUNT NUMBER:

 

My request

I am writing to ask you to refund to me the redemption charge levied against us. I now understand that the, are unlawful at Common Law, Statute and recent Consumer regulations.

 

Your responsibilities

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated and charged us in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

What I require

I calculate that you have charged £3,481.54 in redemption penalties this is the amount I am claiming in refund

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you 14 days to reply to me accepting unconditionally my request in principle and letting me know a date by which I will receive payment.

 

If you do not respond or you do not respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

Yours faithfully,

 

 

 

Mortgages PLC Redemption £3795 1st & 2nd letter sent no offer. Court Papers issued 8/08/06

JUDGEMENT BY DEFAULT 29/08/06

BALLIFFS INSTRUCTED ? 21/09/06

 

 

HSBC - mortgage charges + credit card - 1st letter sent 14/06/06 No reply after 40 days - Sent Data Protection Act letter sent 25/07/06

 

Platform Holding - 1st letter 14th July - Response negative - Second letter 29/08/06

 

 

Lloyds TSB - 1st letter sent 14/06/06 - Statements received - 2nd letter 21/07/06c will issue claim if no response by 5/09/06

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Hi Folks,

My wife just sent me this which gives advice on how to get back early redemption payments. Haven't read it all yet but it looks very promising. I can't seem to get the exact link to work but you can find it here

 

 

 

http://www.everyinvestor.co.uk

 

Not sure if I've done that right, its not underlined or anything!

 

I'll try again later.

Paul

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Can't find the section about ERC, only the mortgage exit fee, which is different :???:

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 Folks,

My wife just sent me this which gives advice on how to get back early redemption payments. Haven't read it all yet but it looks very promising. I can't seem to get the exact link to work but you can find it here

 

 

 

EveryInvestor - Investor news and money saving tips

 

Not sure if I've done that right, its not underlined or anything!

 

I'll try again later.

Paul

 

Cannot find it on that link??

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

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Did you get them cancelled before you paid off the mortgage or afterwards? could you give us some more information.

 

Before. I was moving house & initially offered to keep my (about to double) mortgage with them if they waived the redemption fee - but they werent having it so I arranged a mortgage elsewhere & battled it out with them.

 

In my case I was in the final year of a 6-year deal & the redemption fee was more than the remaining repayments!

 

Quoted the Unfair Terms in Consumer Contracts regulations, worked out what I considered their actual loss to be, and after a few letters they eventually waived the lot - even though Id offered to pay what I thought was reasonable.

 

Maybe I just got in early, but at the same time I managed to get RBS to refund all of the fees on my boyfriend's bank a/c caused by "timing differences" on between his mortgage & his current a/c (both with RBS!). Either I was lucky - or I really am as scary as people tell me!

 

Currently going to court with MyTravel over their belief that its OK to chop a day off my holiday & then charge me 50% if I want to cancel as a result!

 

Keep on Fighting!

Julie

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ok so uve got me intrested are we saying that the banks / societys cant charge tese amounts what so ever because this isnt what it cost them. i know i sound silly but when i took out the mortgage i thought that part of the redemption fees was part of the contract so why can i claim money back and is ther a deadline to do this in . cheers for any help any one can give as a thankyou check out Brainstorm Gifts LTD enter BC0602 and get 10% discount on anything you order.:confused:

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Hi Darren,

 

The issue is the same here as it is with bank charges themselves. Just because it says in the terms and conditions that they can do it, it doesn't make it legal.

 

Tell, you what, you have it in writing now that I'm going to come round and steal your car tomorrow afternoon. It's in writing, and I've told you I'm doing it, so it must be legal then?

 

 

They can't do it in bank charges, and we're bcoming fairly certain that they can't do it with mortgages either.

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

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

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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P.S. If you car DOES get stolen, either tomorrow afternoon, or at any other time, I promise you that it wasn't me!!!!!

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

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

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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are we saying that the banks / societys cant charge tese amounts what so ever because this isnt what it cost them.

 

Hi darren

 

Basically the UTCC regulations say " a requirement to pay more in compensation for breach [of contract] than a reasonable pre-estimate of the loss to the supplier is one form of excessive penalty. Such requirements will, in any case, normally be void as a penalty under English common law".

 

It goes on to say "an unfair penalty can apply to any term which requires excessive payment in the event of early termination"

 

Julie

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I have just written a letter to my current mortgage provider.

During this past year we have hit major fianancial problems due to health, back on track now though thank goodness.

 

I have checked out annual statement between Aug 05 and March 06 we have charges for £257, (plus £105 since the statement arrived) on the statement they are listed as arears fees.

 

During that time the DSS were paying part of the mortgage and we were attempting to pay the rest. We were in regular contact with Birmingham Midshires, yet what seemed to happen after every month was they sent out a letter telling us we were in arrears at a cost of £35.

 

We have been back to work and paying the full mortgage plus £30 every month since April to reduce the arrears. We still have an arrears of a few hundred pound left which we have discussed with BM yet still every month we get a letter.

 

We are a little nervous about claiming due to that fact that we still have the arrears, we have read that banks can attempt to close accounts when someone claims, is this the case with mortgages.

 

After I just wrote the above I feel a stupid asking, but if someone could just reassure us the nothing can be done with regard to our mortgage

 

Thanks

dashngail

Mortgages PLC Redemption £3795 1st & 2nd letter sent no offer. Court Papers issued 8/08/06

JUDGEMENT BY DEFAULT 29/08/06

BALLIFFS INSTRUCTED ? 21/09/06

 

 

HSBC - mortgage charges + credit card - 1st letter sent 14/06/06 No reply after 40 days - Sent Data Protection Act letter sent 25/07/06

 

Platform Holding - 1st letter 14th July - Response negative - Second letter 29/08/06

 

 

Lloyds TSB - 1st letter sent 14/06/06 - Statements received - 2nd letter 21/07/06c will issue claim if no response by 5/09/06

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I have just written a letter to my current mortgage provider.

During this past year we have hit major fianancial problems due to health, back on track now though thank goodness.

 

I have checked out annual statement between Aug 05 and March 06 we have charges for £257, (plus £105 since the statement arrived) on the statement they are listed as arears fees.

 

During that time the DSS were paying part of the mortgage and we were attempting to pay the rest. We were in regular contact with Birmingham Midshires, yet what seemed to happen after every month was they sent out a letter telling us we were in arrears at a cost of £35.

 

We have been back to work and paying the full mortgage plus £30 every month since April to reduce the arrears. We still have an arrears of a few hundred pound left which we have discussed with BM yet still every month we get a letter.

 

We are a little nervous about claiming due to that fact that we still have the arrears, we have read that banks can attempt to close accounts when someone claims, is this the case with mortgages.

 

After I just wrote the above I feel a stupid asking, but if someone could just reassure us the nothing can be done with regard to our mortgage

 

Thanks

dashngail

 

Dashngail

 

I am not sure what tac your mortgage company would take if you go after reclaiming fees etc, it may be a bit risky?? but I may have something that coud help with future arrears fees.

 

Do you pay your mortgage on the 1st of each month? if so call the company and ask if you can pay it on the 30th or 31st of each month instead. You will have to confirm what I tell you is correct, but it worked for me.

 

The reason is you are always trying to catch up and so therefore always in arrears, however, sometimes if you pay a day early technically you maybe in arrears, but their systems say you are up to date!!! and therefore are not in arrears and so therefore they cannot charge you for sending out a letter.

 

As I said this worked for me, not totally sure why but may be worth checking with your mortgage company and see what they say, just explain to them why you are asking and if it would resolve the problem.

 

Chris

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

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I have read through all of the posts and am going to the bank tomorrow to get a redemption statement - I have just sold my house and was informed that i will need to pay the redemption penalty when i give the money back and then apply for a new mortage !... I knew it was there just wasnt sure how much it was - so i checked - and it makes my blood boil that they want that much for what....???

 

Could someone please repost the calculation for working out whats fair in redemption penalties. I have 30 more months to pay on a 36 month fixed rate mortgage ...so just want to be sure I am using the correct figures... and if I get them back i will contribute - promise..:)

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Sorry to jump in but I have just come to the end of a two year fixed deal with GMAC and requested a remortgage with them. Now baring in mind my penaulty date ende 1st of July this year and the Re- Mortgage was to be completed by the end of this week ending the 7th July. I have just been informed because I have not given them one months notice I will have to pay the peaulty:mad: approx £4000:oDon't think so if they want my repeat bussiness they will back down.

As far as we were concerend including my morgtgage adviser we did give them notice with the notice of intention of the remortgage with them:confused:

 

What does every one else think to this one:idea:

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icarusdragon,in reply to your posting:

 

1.In my view there is no justification for making you pay the redemption penalty considering that the date that you are redeeming the mortgage is after the final redemption period date.

 

2.I would tell GMAC if I were in your shoes that you were a loyal customer between the dates specified and to see to make sure you do not pay the redemption penalty.

 

You say that the notice was given regarding the remortgage - do you have written evidence?

 

 

I hope you find this information useful.

 

The answer to the above question should hopefully enable me to assist you further.

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Sorry Nightmare4banks

No written evidence as such, but My mortgage advisor has been on to the account manager at GMAC and both agree it seems unfair awaiting response!

As far as myself and advisor were concerned the application to renew our mortgage with GMAC which was submitted at the early part of June was in it's self a application of intent to give notice. Hey possible some jobsworth just ticking box's and sent through as a standard application. Will see what comes back will keep posted :-|

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Hi all!

 

icarusdragon,in my view:

 

1.GMAC is in a very weak position to attempt to claim the redemption penalties monies because the remortgage completion date is AFTER the expiry of the redemption penalty period.NOTHING MORE! NOTHING LESS!

 

2.As you said in your previous posting the notice of intention to remortgage with your financial advisor should be enough and be an implied notice it is own right i.e.your actions have told GMAC that you intend to remortgage so GMAC should sod off!

 

Anyway that is my 2 pence worth!

 

If you have any more questions,just ask.

 

Keep us posted.

 

All the best!

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Bob

 

Re your request

 

I've just drafted this one up from bits and you're welcome to use it or comment on it as well as anyone else for that matter:) .

Regards

 

MF5

 

Request for refund of early repayment charge

Mortgage Account No. xxxxxxxx

 

Dear Sir/Madam

 

I refer to the above numbered mortgage account which was for our former property at xxxxxxxxxxxxxxxxx

 

My request

I am writing to ask you to refund to me the early repayment charge of xxxxxxxx which you levied when we repaid the mortgage in full after we sold our property on xxxxxxx.

 

It has come to my attention that this "early repayment charge"is in fact a redemption "penalty" and is therfore unenforceable both at common law and under the unfair terms in consumer contract regulations.

 

I would draw your attention to the two following paragraphs which are an excerpt from the Office Of Fair Trading website:

 

A term in a mortgage agreement which requires the borrower to pay more for breaching the contract terms than actual costs and losses caused to the lender by the breach (or a genuine pre-estimate of that) is likely to be regarded as an unfair penalty and to be unenforceable both at common law and (in a consumer mortgage) under the Unfair Terms in Consumer Contracts Regulations.

 

A redemption charge may be regarded as a penalty even if it is expressed as the price for exercising a right rather than a consequence of breaking the agreement

In view of the above paragraphs, I would appreciate it if you could confirm exactly how this penalty was calculated and the true costs to xxxxxxxxxx, by us redeeming the mortgage early. I would appreciate a complete breakdown in your costs and losses for this penalty charge.

 

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

If you do not respond or you do not respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

Yours sincerely

Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL [email protected]

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Ps

Leave the Mortgage Express bit out:oops: (forgot to delete that bit) LOL.

 

Will start a new thread when I get this one going under a slightly different heading.

 

Regards

 

MF5:)

 

I've Just seen the edit tab (DOH) and done it for you!

Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL [email protected]

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Hello there everyone

 

We are in the process of claiming back fees from the abbey amounting to £11,000, but have recently remortgaedand had to settle 4 months early because of finances even though I was disabled and going to be homeless Kensington Mortgages added on £8,000 if anyone can tell me where I find the sort of template letter to send to them I would love to hear as you can imagine I would love to get the money back if I can.

 

Catherinebear

:D :D :DMoney in account £13216.66!!!!

GMAC - stmnts rec'vd letter requesting £1662 refund of chrges MCOL on line being issued for ERC

SPML - issued MCOL on 21.11.06!

Kensington - statements received letter requesting £2455.55 refund of charges issuing MCOL for ERC

MBNA - refund £341 offered-sent letter requesting refund of £3846.59 charges!!!!!!

Capital One-going to issue MCOL for £1243!

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Just going back over some old paper work from 2004 and noticed I paid nearly 5k early redemption penalty from Kensington and £500 from SPPL.

 

Time to attempt a reclaim, Im not sure how far into my redemption period I was, but I think it was about 6 months from the tie in so hopefully I have a case.

 

I will post on my progress.

 

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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

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