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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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Mortage question


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Hello everyone,

 

I would welcome your advice to the following,

 

two years ago Mrs 808 and I obtained a mortgage through an IFA who gave us very good advice. We were in the sub-prime market with me having a CCJ. He advised to get a fixed rate, Mrs 808, however was totaly against this and we went for a rate tracked to LIBOR. one condition of the mortgage co was that we must pay to get the CCJ satisfied, this was completed by our solicitor and no problem with this since paying.

 

However our mortgage has increased from £230.00 pm to £311.00pm in the space of two years. We have not missed a payment with the mortgage ( or anything else ) since.

 

Would fellow CAGers advise: go for a remortgage ie we are being ripped off, or stay with mortgage co and write that ( words to effect of ) We would like to stay with you but think you are taking the micky and if you do'nt reduce then......

 

Thanks for reading this and all replies appreciated

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However our mortgage has increased from £230.00 pm to £311.00pm in the space of two years. We have not missed a payment with the mortgage ( or anything else ) since.

 

Thats because the interest rate has increased and you chose a tracker, had you taken a fixed rate as advised the payments wouldn't have risen.

 

Would fellow CAGers advise: go for a remortgage ie we are being ripped off, or stay with mortgage co and write that ( words to effect of ) We would like to stay with you but think you are taking the micky and if you do'nt reduce then......

 

Well you are not being ripped off, but if the decision to remortgage woudl depend on if you ahve any early redemption fees and how old the CCJ is. If the CCJ is coming ot near the 6 year mark then it will drop off your credit file and depending on your other fianances you may be in the position to remortgage with a high street lender.

You can write to them by all means but if yo uare still tied in then they won't ofer you anything without charging the ERC, course if any deal has come to an end you can ask what else they have on offer for current customers.

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Thanks for the reply Gizmo,

 

The CCJ was about 6 years old when I paid it. We are tied to current mortgage co for 2 years, this ends in October.

 

I will write to mortgage co asking for a new deal and see what they come up with.

 

I realise we are not being "riipped off " now just interest rate rises, 'luck of the draw' as I say.

 

Now realise post was a bit of a "rant" and your reply has brought me back to earth. thanks.

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You said your interest follows LIBOR. This is not affected by the BOE interest rates only in the rate banks charge each other. You must have noticed that your interest payment has not increased every time the boe rate has increased and that in fact it goes down without any change in the boe interest rate.

If your rate of interest is following the boe rate then you are not in LIBOR.

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Sorry for the late reply......

 

Our lender is Platform Home Loans. Just checked and we deffo have a LIBOR tracker Mortgage.

Since we obtained the mortgage it has gone up nearly every month over a two year period. We are tied to them untill November.

It started at About £220.00 Per month and is now about £320.00 per month.

Because of my age we could only get a twenty year loan, we purchased our council house and the mortgage is about one third the value of the property at present. Mrs 808 and I are easily able to afford this amount

but why pay more than is necessary?

Conniff, I do'nt know what BOE means.

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Bank of England

 

If you are not tied after November I would start researching different mortgages and rates now so you are prepared - dont forget about redemption fees and fees to change your mortgage - there a few internet sites that are useful tools.

 

I chose a fixed rate with YBS which has been good -they are doing a long term fixed rate at the moment - you have to weigh up knowing your monthly outgoings against the chance of the rates going down .

 

If we knew the answers we would all be rich!:)

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

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offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Sorry 808 I misread. I thought you had said your rate was increasing in line with the Bank of England (BoE).

 

The Libor has been on a steady up since about 2003, but is now leveling out and showing signs of falling, so you should start to benefit soon.

 

Have a look at the graph here and you can see how it has been going.

 

1 Year LIBOR - Rate, Definition & Historical Graph

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