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    • What is Johnson trying to do now? Even the Mail thinks he risks inflaming things further with France. First the jibes in Franglais and now Macron is behaving like a lover being jilted at the last minute. I guess Bozo has plenty of experience of dealing with that.   Boris Johnson's 'Franglais jibes' appear to liken Macron to jilted lover on Ausuk submarine deal | Daily Mail Online WWW.DAILYMAIL.CO.UK The Prime Minister risked pouring fresh fuel on the fire over the £50billion Ausuk submarine pact by breaking into 'Franglais' jibes and appearing to...  
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    • Back in 2006 I came face to face with a debt problem which was that I could clear my debts or help a family member and I of course chose the latter.   The resultant onslaught of phone calls and letters was at first unsettling but I realised, particularly with the help afforded by this site that in reality there was nothing they could do.  If your friend has no assets then they can't take them,  If he challenges their assertions to the debts then in the main they can't prove them, if he has nothing then they will not make him bankrupt and even if he has something they will not make him bankrupt because they have to pay the fees and then anything your friend has is split up between all the people he owes so no business will go that route.   In short, although they will huff and puff they are pretty much not able to blow his house down even if it is made of straw like mine!   He should adapt to the situation and turn it into a hobby like I did/do.   I actually collect debt collection letters and other things they send out.   When something arrives in the post I am likely to say "Oh I have got one of those" or "Ah something new for my collection".   Thinking like this causes the intimidation to drop away and become ineffective.   Tell him to can his worries and start enjoying life, because I guarantee that the Creditors are not staying awake worrying about him!  He is just a few magnetic dots on their hard drive and is in their threatomatic machine.  Depending upon his reaction he will be moved around the machine and there are parts of the machine which are programmed to deal with debtors who don't respond and that is to park them out of the way and work on other ones.
    • It's up to you. You could spend the weekend reading up and then send the letter of claim on Monday – and then issue the claim shortly before you go. It depends whether you have access to your email et cetera while you are away. I would be amazed if they failed to respond – but if they did, then you would put in for a default judgement immediately and then enforcement. However I would imagine that they would respond with an acknowledgement of service giving them a full 28 days to file a defence. This means that you would receive the defence roughly when you returned. However you would have to be able to keep in contact with the court system by means of email and also with us. Of course if you wanted then you could leave it for the full six weeks and we can start then. You decide
    • Have you contacted Courts to find out if a set aside application has been made ?   Have you checked to see whether the Builder has any other CCJ's ?   Home WWW.TRUSTONLINE.ORG.UK   Perhaps the legal advice relates to the Builder being able to pay ?  i.e. get in quick to enforce the judgement.    Enforcing a CCJ does not cost £4k.  Sounds like your Lawyer is including their own hefty fees in arranging this.   Make a court claim for money: Enforce a judgment - GOV.UK WWW.GOV.UK How to take legal action if someone owes you money (small claims court), how much it costs, what happens next. Includes information from...  
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complain to fsa


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hi everyone should complain to the fsa about mortgage redemptions i did the more the better the chance heres the email reply i got back


Dear Craig

Thank you for your emails of 8 June 2007.

About your Enquiry

I understand that you have contacted the Financial Services Authority (FSA) to express your concerns regarding mortgage lenders. I note that you are specifically concerned with Early Redemption Charges (ERCs), deposit requirements and administration charges. Your letter has explained that you believe that these costs and requirements represent an industry wide concern for UK borrowers.

Providing Information and Comment to the FSA

We welcome information from consumers which could highlight wider concerns that could affect our regulatory activities. Whether we act on it will depend on the risks posed to our objectives, the quality of the evidence and the seriousness of the accusations.

I have passed the information you have given us to the relevant policy department within the FSA, for their consideration. Please note that we are unable to confirm the progress of any investigation, as the Financial Services and Markets Act 2000 imposes restrictions on us which require us to keep such matters confidential.

I realise this can be frustrating but please be assured that all information is carefully considered before we decide what action, if any, we take.

Further information

As you are aware, the FSA is the regulatory authority for UK mortgage providers. The FSA also has the power to consider the fairness of default charges and administration charges under the Unfair Terms in Consumer Contracts Regulations 1999 (the Regulations). If you wish to make a direct complaint about the charges made by your mortgage provider, you may wish to read our factsheet - challenging unfair contract terms. This factsheet also explains the process you need to follow if you have a complaint against a regulated firm and are seeking compensation - www.moneymadeclear.fsa.gov.uk/pdfs/unfair_contract.pdf

The FSA welcomes concerns, and often reviews current industry practices. Recently, the FSA issued a press release in relation to Mortgage Exit Administration Fees (MEAFs), another type of mortgage administration charge. I have included a link to this statement as an example of the work that we undertake in reviewing industry practises - www.fsa.gov.uk/pages/Library/Communication/PR/2007/012.shtml

If you have not already done so, you may also wish to contact the Council of Mortgage Lenders (CML), the trade association for the mortgage lending industry. CML regularly represents the UK mortgage industry in matters of industry wide concerns and policies - www.cml.org.uk/cml/policy

Also, for more information on our role and remit, please read our factsheet ‘Introduction to the Financial Services Authority – information for consumers’: http://www.moneymadeclear.fsa.gov.uk/pdfs/fsa_who.pdf.

I hope that you have this further information helpful.

We are interested in finding out about people’s views and experiences of the services offered by the Consumer Contact Centre. As a result, we employ a research agency to help us, and they may contact you, via the telephone, to see if you would be prepared to take part in a short telephone interview. If you do receive a phone call you are under no obligation to complete the survey. Please rest assured that your details will remain confidential and will not be used for any other purposes; we are not trying to sell you any financial products or service, and no sales call will result from this.

If you do not wish to take part in any of our surveys, please call the Consumer Contact Centre on 0845 602 2185 (call rates may vary), or complete the contact us form using the following link http://www.moneymadeclear.fsa.gov.uk/contactus.aspx, and we will ensure that your details are not passed on to the research agency.

Yours sincerely


A Franks (Mr)

Consumer Contact Centre

Regulatory Services Business Unit

Financial Services Authority

Consumer Helpline: 0845 602 2185 (call rates may vary)


Get clear, impartial information from the UK's financial watchdog.

No selling. No jargon. Just the facts

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