Jump to content


  • Tweets

  • Posts

    • ae - i have no funds to appoint lawyers.   My point about most caggers getting lost is simply due to so many layers of legal issues that is bound to confuse.  
    • Lenders have a legal obligation to sell the property for the best price they can get. If they feel the offer is low they won't sell it, because it's likely the borrower will say the same.   Yes.  But every interested buyer was offering within a range - based on local market sales evidence.  Shelter site says a lender is not allowed to wait for the market to improve. Why serve a dilapidations notice? If it's in the terms of the lease to maintain the property to a good standard, then serve an S146 notice instead as it's a clear breach of the lease.   The dilapidations notice was a legal first step.  Freeholders have to give time to leaseholders to remedy.  Lender lawyers advised the property was going to be sold and the new buyer would undertake the work.  Their missive came shortly before contracts were given to buyer.  The buyer lawyer and freehold lawyers were then in contact.  The issue of dilapidations remedy was discussed..  But then lender reneged.  There was a few months where neither I nor freeholders were sure what was going on.  Then suddenly demolition works started.   Before one issues a s146 one has to issue a LBA.  That is eventually what happened. ...legal battle took 3y to resolve. Again, order them to revert it as they didn't have permission to do the works, or else serve an S146 notice for breach of the lease   A s146 was served.  It took 3y but the parties came to a settlement.   (They couldn't revert as they had ripped out irreplaceable historical features). The lease has already been extended once so they have no right to another extension. It seems pretty easy to just get the lawyer to say no and stick by those terms as the law is on your side there.  That's not the case   One can ask for another extension.  In this instance the freeholders eventually agreed with a proviso for the receiver not to serve another. You wouldn't vary a lease through a lease extension.  Correct.  But receiver lawyer was an idiot.   He made so many errors.  No idea why the receiver instructed him?  He used to work for lender lawyers. I belatedly discovered he was sacked for dishonesty and fined a huge sum by the sra  (though kept his licence).  He eventually joined another firm and the receiver bizarrely chose him to handle the extension.  Again he messed up - which is why the matter still hasn't been properly concluded.   In reality, its quite clear the lender/ receiver were just trying to overwhelm me with work (and costs) due to so many legal  issues.  Also they tried to twist things (as lawyers sometimes do).  They tried to create a situation where the freeholders would get a wasted costs order - the intent was to bankrupt the freeholders so they could grab the fh that way.   That didn't happen.  They are still trying though.  They owe the freeholders legal costs (s60) and are refusing to pay.  They are trying to get the freeholders to refer the matter to the tribunal - simply to incur more costs (the freeholders don't want and cant's afford to incur)  Enfranchisement isn't something that can be "voided", it's in the Leasehold Reform Act 1967 that leaseholders have the right to.... The property does not qualify under 67 Act.  Their notice was invalid and voided. B petition was struck out. So this is dealt with then.  That action was dealt with yes.   But they then issued a new claim out of a different random court - which I'm still dealing with alone.  This is where I have issues with my old lawyer. He failed to read important legal docs  (which I kept emailing and asking if he was dealing with) and  also didn't deal with something crucial I pointed out.  This lawyer had the lender in a corner and he did not act. Evidence shows lender and receiver strategy had been ....  Redact and scan said evidence up for others to look at?   I could.  But the evidence is clear cut.  Receiver email to lender and lender lawyer: "our strategy for many months  has been for ceo to get the property".  A lender is not allowed to influence the receivership.   They clearly were.  And the law firm were complicit.  The same firm representing the lender and the ceo in his personal capacity - conflict of interest?   I  also have evidence of the lender trying to pay a buyer to walk.  I was never supposed to know about this.  But I was given copies of messages from the receiver "I need to see you face to face, these things are best not put in writing".  No need to divulge all here.  But in hindsight it's clear the lender/ receiver tried - via 2 meetings - to get rid of this buyer (pay large £s) to clear the path for the ceo.   One thing I need to clarify - if a receiver tells a lender to do - or not to do - something should the lender comply? 
    • Why ask for advice if you think it's too complex for the forum members to understand? You'd be better engaging a lawyer. Make sure he has understood all the implications. Stick with his advice. If it doesn't conform to your preconceived opinion then pause and consider whether maybe he's right.
    • The Barclay Card conditions is complete. There was only 3 pages. This had old address on. Full CCA. 15 pages. The only personal info is my name and address. Current Address The rest just like a generic document.  Barclays CCA 260424.pdf
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
        • Like

on a mission round 3


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5955 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

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

Recommended Posts

Hello everybody,

 

Just embarking on round 3 of mis-sold ppi.

 

This is with the Nasty West again.

 

I had 4 loans with them and ppi was applied to them all.

 

I have successfully reclaimed back the last of the loans 2001 and got back over £7,000 with just a bit of a fight, did not have to issue a N1.

 

They coughed it up when I discovered how the interest was applied. They charged me 8.9% each year for 10yrs, so it worked out at 89% of the premium. Disgusting unjust enrichment.

 

Anyway with that one in the bag, I have written to them for a breakdown of the previous loans. I know how much the ppi premiums where. the loan amount and the dates, but not the interest rate and the total charged for credit. I have now asked for the information 4 times and in is now 69days and no information. Me thinks they don't want to give it to me. But that will not deter me.

 

This account is in clear legal dispute and I will not pay them until the ppi issue is resolved.

 

I have just received a letter from them regarding the small matter of no ca agreement and a alleged debt. They state their databases provide confirmation that I benefited financially from the arrangement of each loan. So their databases would also confirm that they benefited financially from [edit] me with their ppi. But still that information is not forthcoming.

 

They consider the matter closed as I agreed to settle in June regarding the mis-selling of ppi. Interesting the previous loans where never mentioned and how could I discuss any refund on those as I have not received the information on those. GGGGggggggrrrrrrrf

 

Anyway after their ignoring my requests I have been left with no option, but to work out the amount of interest they applied to the previous loans based on my previous experience 89% of the premium. We will see what the respond with after they have stopped choking.

 

The calculations I have worked out on that basis, and of course contractual interest to date comes to a staggering £18,000

 

So wish me luck

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

Link to post
Share on other sites

  • Replies 70
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hello,

 

Thanks for the support, I do believe this will be the fight of all fights. There are a lot more issues than the ppi. eek

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

Link to post
Share on other sites

th_goodluck.png

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

Link to post
Share on other sites

Thank you,

 

First letter round 3 going today, discussing issues. I will give them a week and then bang they get the letter asking for a refund for the others.

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

Link to post
Share on other sites

:D Hiya Pindagolf,

 

It always interest me in why fellow caggers choose their usernames. May I ask why use choose that one.

 

I choose Hellhasnofury because that is how they make me feel. I have turned from a soft choice into wrath. I will fight to the bitter end either way. I can see me at this laptop as a little old lady, still fight the cause.:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

Link to post
Share on other sites

Hi hell

 

I owe you an apology as I have not got round to your thread before now.

However good luck with your fight with Snatch West. We know how unforgiving they are don't we?

They are now passing mine over to Triton Credit Services whilst in dispute too.

 

How far down the line are you at the moment?

 

maggiebroom :)

Link to post
Share on other sites

Hi hell

 

I owe you an apology as I have not got round to your thread before now.

However good luck with your fight with Snatch West. We know how unforgiving they are don't we?

They are now passing mine over to Triton Credit Services whilst in dispute too.

 

How far down the line are you at the moment?

 

maggiebroom :)

 

Hello Maggie,

 

No apoligy needed I know how busy you are and the trouble you are having. It does not do the blood pressure any good.

 

I am not very far down the road with this one as yet. I have been waiting for a breakdown of the loans for about two months, and they are not forthcoming with this information. I wrote to them last week regarding other issues, no ca, default issues. So my prelim will go out on Monday

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

Link to post
Share on other sites

Hello,

 

Well I never, I truely can't believe it, they are still ignoring me. Me thinks they see my name and throw it straight in the bin:eek: :D

 

So sent the prelim today:D So the process has started, so I will give them the 14days to respond, and then another 14days and ouch, have to rumage up the dosh for a court claim.:eek:

 

I do wish they would take me to court, so I could defend and then put in a counter claim. That would be more cost effective.:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

Link to post
Share on other sites

Hi Hellhasnofury

 

I for one will be following this thread very closely and would like to wish you the very best of luck with it;) and maybe if you could spare a few moments of your busy schedule, I would be extremely greatful if you could lend me some pointers to fight my corner with Firstplus:)

 

http://www.consumeractiongroup.co.uk/forum/ppi/115106-ppi-loan-issues.html

Link to post
Share on other sites

  • 3 weeks later...

Hello,

 

Received the nice polite letter from the snatch west yesterday.

 

They consider the ppi issue was resolved in June this year, as per their previous correspondence,:eek: Good job I have keep it all then:D Will send them copies of their offer and my acceptance of the settlement for their reference. I only asked for a refund of the last loan, I could not ask for the other three ppi's as they will not give me the information I asked for and they have still not come up with it.

 

Of course there is more issues than this. Default. They defaulted me in may this year after I reclaimed back the ppi . In a letter in September they stated that the default action had been postponed??????? Yeah right Hello!!!!! So of course I challenged this.

 

In there latest letter. That they are obligated to enter all defaulted credit agreements to the credit agencies. There is no Credit Agreement so they cannot default me on nothing. Idiots!!!!

 

Latest letter states now recovery action has been postponed, so they have eventually caught up then:???: Me thinks they are trying to intimidate me.

 

They have now in their correspondence dicussed the notion of me giving them my Solicitors details. ??????????. They will co-operate fully with them and look forward to hearing from them.

 

Well I knew this was going to be a bit fight, but I did not realise how much of a fight and to top it all they are trying to cover up, cloud the simple issues and totally contradict them themselves. I am one step ahead though.:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

Link to post
Share on other sites

HI Hell

 

Go get em girl. It seems like they never want to admit defeat doesn't it.

 

Triton Credit Services have passed my account back to Snatch West so I am waiting for their response to that.

 

It always pays to keep all correspondence, My spare bedroom looks like an office at the moment.

 

Best of luck hell and keep us posted.

 

maggiebroom :)

Link to post
Share on other sites

Hello,

 

Received the nice polite letter from the snatch west yesterday.

 

 

Of course there is more issues than this. Default. They defaulted me in may this year after I reclaimed back the ppi . In a letter in September they stated that the default action had been postponed??????? Yeah right Hello!!!!! So of course I challenged this.

 

Sorry could you just clarify something. Are you saying that after succesfully reclaiming your ppi they defaulted you on your loan? Am I missing something? I'm trying to reclaim on a loan that I'm still repaying, is there a danger of them defaulting me?

Link to post
Share on other sites

Sorry could you just clarify something. Are you saying that after succesfully reclaiming your ppi they defaulted you on your loan? Am I missing something? I'm trying to reclaim on a loan that I'm still repaying, is there a danger of them defaulting me?

 

Hello GT,

 

No they will not default you if your are still paying. :D My issue with them is after they [edit] me blind with ppi, I could not afford to make the repayments. :evil: This was 14months ago and I was paying them through a dmp. They never defaulted me during this time. They did it when I got back my ppi on the last loan (with a bit of a fight). :evil: Its as if they had to have the last word. But I will.:D of course.

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

Link to post
Share on other sites

Good grief this is a fight and a half. I am full of admiration that you have been able to summon up enough energy to even consider it.

 

By asking for your solicitor's details they obviously don't believe you are serious about court and think they're calling your bluff - ha ha!! I'm guessing they're going to learn the hard way by messing with you :p

 

Will be watching with interest. Good luck HHNF

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

Link to post
Share on other sites

Good grief this is a fight and a half. I am full of admiration that you have been able to summon up enough energy to even consider it.

 

By asking for your solicitor's details they obviously don't believe you are serious about court and think they're calling your bluff - ha ha!! I'm guessing they're going to learn the hard way by messing with you :p

 

Will be watching with interest. Good luck HHNF

 

Hello Hopeful,

 

Many thanks for your support. I do appreciate it. I have to have the fight for this. It is about justice, which I am a great believer in. Or else why do we do it.

 

Is not about the money, its about the unfairness of it all. The banks have been trusted for years. I know I did, I was so grateful to them for giving me a chance of a loan, didn't even know what ppi was, that how well they explained it to me. given no option, signed and there we have it.

 

My daughter opened my eyes about 12months ago, when I was down and could see no way out of my financial blackhole. Penalty charges. The nasty west started appying penalty charges, bouncing DD and set the ball arolling.

 

It became too much and the problem spiralled, till I had to admit defeat. I could no longer rob peter to pay paul. I do feel bitter toward the Nasty.

 

as they quote a responsible lender. What does that mean. Responsible for making many people in debt, by applying ppi, to make profit.(This will probably be edited so read it quick)

 

I have gained a lot of knowledge from this site about the CCa and I am aware of what they should do and cannot do. I am not trying to get out of anything I lawfully have to pay. They pay me what they owe me. I will pay them what they claim I owe them (minus the interest they charged) and I will still have the most money:D

 

I am determined to do this and will succeed:p May take some time but whatever:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

Link to post
Share on other sites

I'm completely with you there. I was at rock bottom with my debts prior to finding this site. I've done the peter robbing paul thing and had run out of options. It is so good to now be reducing my debts without borrowing more.

 

I also agree with what you said about paying what you owe. I too just want justice ie with Barclays, i hadn't considered asking for a refund but i just wanted the PPI stopped so the payments would be less. I am behind again 'cause i can't keep up. I will be claiming now because they've been so unhelpful and downright ignorant. They haven't provided a CCA so on that basis i'm not panicking about trying to find the money. When the PPI is sorted i will happily start to pay them.

 

I'm just going to start my Barclays thread off now ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

Link to post
Share on other sites

Just wanted to wish you lots of luck Hells!

I will be watching with baited breath

You have so much bottle and tons of knowledge, all the things I wish I had!

go get em girl!

xx

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

Link to post
Share on other sites

Hi Hells... i've only just seen this thread and have read through with interest. Good luck with everything - as you have so much experience in these matters i'm sure you'll fight your way through.... i shall be following this thread with interest!

 

Once again, good luck as i'm well rooting for you!!!xxxx

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...