chubbas dad v reliance & fester

[chubbas dad]

reading through some threads seems like some judges are making there decision fineite, even after using the appeal letter and forms.they are taking our money up (to to 65 buks which we cant claim back.) and still doing nothing for us.its enough to drive you up the wall,what is the world comming to,the justice system is letting us down, .................................srry rant over..

[j.barton1]

Hiya Blondy, Have you chilled out now? Sit back in the sun, tall glass full of scrumpy...freshly squeezed by southern belles...

[chubbas dad]

nope im still stressing,need more tanks and men to carry on the fight.maybe some rokets and stuff.the scrumpy will be squeezed eventuall ,but by western wenches but thats good enough for me

[j.barton1]

Aww hunny, i dont like ya being sad....xx

[chubbas dad]

i do feel a bit sad,but thats because the judges are losing their bottle and falling in line with the whims of the banks.helping the banks drag it out longer than is realy needed.then when peeps appeal their wimpy decision they take the 65 quid and say sod off! this aint fair.............we are in the system let it carry on dont stop us now ............how fed up would the judges be feeling if they were in our shoes?:?

[j.barton1]

Do ya feel better today hunny????

 

XXX

[chubbas dad]

still feel bad...................struggling to scrape up 65 quid for this appeal.i hope i can do it by friday or all my work will have been for nuthing.even if i manage to get the money and pay it i could still get a negative from the court....................so im in two minds as to carry on or not.frustrating !!!!!!!!!!!!!!!!

[j.barton1]

I had a bad stage a couple of weeks ago...wondering if its all been a waste, but we've gotta stay positive and think of our A&L FF beach party !!! XX !!

If you dont want to appeal you could stick it out till the test case?

Hope ya feel better hunny xx

[chubbas dad]

ok im looking for a form to fill out to apply for the stay to be removed.it starts with an "n"....................then some numbers.im loosing my will to search stuff and my head hurts.i have written my letter and attached an annexe 2 with 764 cases allready settled by various banks.i know in the morning i will have trouble letting go of my dosh but i gotta do it.

 

can i down load the form and fill it out tonight as i wont get long off work to do this in the morning................. help me............ im melting......

[j.barton1]

Here you go chick...

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/17065-application-removal-stay-updated.html

 

Chin up babes

 

xx

[chubbas dad]

thanx jen,

 

its a bad week,had my lawn laid thinking the sun was commin out for the kids and ...nope its wet weather programe.going to the sea side 1st week in sept so i have at least 1 good thing to look forwards to.

[j.barton1]

I know how it is...my lot have been soooo bored, littlest is stuck in the house while the bigguns go swimming.

My hols 2nd week sept...can't wait...xxx

[chubbas dad]

ok had a better day today.went to my local court to do the bizz on the stay and hey presto............the lady tells me " theres no charge for that sir". ........???????????? i ask why is there no charge?.she replys "because the judge made the decision about the stay of his own accord , it was not applied for so its free".....ah a freeby from the justice system is it true or is it even real.pinched myself and asked her to chek again plz......."no im right sir its free" so i came home quik

[jansus]

see my post in a minute - think the judge is going to consider my appeal against the stay

 

jan

[j.barton1]

Good on you hunny....ive got another hearing 4th Oct.

 

X

[chubbas dad]

yeah gave myself a good kik in the pants and sorted it out late last night.i used the letter template from cag and threw in the 764 cases that have been settled by numurous banks, then highlighted the a & l settlements.

[j.barton1]

I'm glad we're getting sorted..even if its gonna be delayed.

[chubbas dad]

...........found me a stay removal tool.............................

 

 

 

 

 

 

nice huh ?

[j.barton1]

One for wraggies

[chubbas dad]

ouchy

[chubbas dad]

no news from me today.

 

 

 

 

but i thought i would have a go at the mortgage reclamation.i would like a real lot of advice because it was a complicated deal with the change of lenders and then my ex wife was repoed.a fourty two grand house in n. ireland sold for sixty two grand, and the bank took the whole 20 grand in fees.the house was then sold three years later (and this is the gutta) for 150k.

[j.barton1]

Hiya, Doesnt Ireland run on different rules to us? How do they stand on penalty charges. Cos they have recently made non direct debit fees illegal there. I'm not sure about morgage fees etc...

http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/109422-morgage-fees-help.html?highlight=morgage+fee

http://www.consumeractiongroup.co.uk/forum/mortgage-companies/12750-mortgage-indemnity-guarantee.html?highlight=morgage+fee

http://www.consumeractiongroup.co.uk/forum/mortgage-companies/

 

They might help a bit hunny, hope it does.

[jansus]

There are several other cases like yours in the forums - try looking for posts by "tideturner."

 

I think the first step would be to get a statement of how exactly the £20,000 charges was made up? Unfortunately even in cases of voluntary possession it was normally still the case that interest was accumulating on the debt - and if no payments are being made you can understand the accumulating interest on the interest etc mount up very quickly.

 

there used to be set proceedures in the UK for valuing and marketing a possesion case. for example there was a rule about the minimum amount of valuations - by INDEPENDENT estate agents (some BS and agents had hidden connections) and the house had to be marketed for a certain amount of time with more than one agent before seling by auction.

 

In other words although the house was taken into ownership by the BS there was still a duty of care to the owner to make sure a fair price was achieved. However you have to remember that if a BS takes a long time to sell a property the interest is still accumulating which may wipe out the increased SP that is reached.

 

I am speaking from experience as I was in charge of possesions for the Halifax - but over 20 years ago- when I can sssure you that our sole intention was to avoid possession at all costs - our aim was to help the borrower if at all possible ( how things have changed:| )

 

If you feel the price was really not a true market value at the time then I would suggest looking to see if there were any hidden links between the BS and the estate agent who sold the property.

 

Best of luck

 

Jan:)

[chubbas dad]

thanx jan.

 

 

 

the 20k was eaten up with clean and clear, sols fees, insurance something or other? i still have a list somewhere im sure.but i have just moved home so im struggling to track them down at the min.

[j.barton1]

I hope you get it sorted, 20k is alot by anyones standards

xx