We already know the answer £150 court costs and £560 their soicitor costs!

We already know the answer £150 court costs and £560 their soicitor costs!

Not a damn thing, all he would say he has no powers to rule that the other side pay all costs as part of mortgage agreement is if you default they take you to court you pay!..He didn't even bother to take a look at all the new information we took in, he just glanced put it down and asked is there arrears owing still? We said NO! He said case dismissed! Good bye and to take up our grieviances with the FSA and CML...Oh and you still have to pay for their costs which get added to your mortgage!! I was livid but nothing I could do except leave!!! as the Judge was not going to budge or be sympathetic to fact that the company screwd up and so did their solicitors!! I thought it was disgusting!! But nothing we could do!! I got the impression the Judge didn't care one iota and was not even concerned they didn't bother to turn up!! As the duty solicitor put it, its like you on a supermarket converyor belt, you in and out within mins as he has to deal with 20 cases an hour!!!

Not a damn thing, all he would say he has no powers to rule that the other side pay all costs as part of mortgage agreement is if you default they take you to court you pay!..He didn't even bother to take a look at all the new information we took in, he just glanced put it down and asked is there arrears owing still? We said NO! He said case dismissed! Good bye and to take up our grieviances with the FSA and CML...Oh and you still have to pay for their costs which get added to your mortgage!! I was livid but nothing I could do except leave!!! as the Judge was not going to budge or be sympathetic to fact that the company screwd up and so did their solicitors!! I thought it was disgusting!! But nothing we could do!! I got the impression the Judge didn't care one iota and was not even concerned they didn't bother to turn up!! As the duty solicitor put it, its like you on a supermarket converyor belt, you in and out within mins as he has to deal with 20 cases an hour!!!

Thanks our concerns are now how to get our lost money back fortime off work, distress, unnecessary aggrevation etc. The Judge would not order our costs to be passed to the other side as said he did not have the power to do this. He did advise that we get int ouch with teh Council for Mortgage Lenders and the FSA. To be honest he didn't care about all the work and effort that went into our case and for the fact they had made serious errors. His only concern was did we still owe them arrears. We said NO, so case dismissed and we still have to pay their legal costs when they dont even bother to turn up at court!!!!

Thanks our concerns are now how to get our lost money back fortime off work, distress, unnecessary aggrevation etc. The Judge would not order our costs to be passed to the other side as said he did not have the power to do this. He did advise that we get int ouch with teh Council for Mortgage Lenders and the FSA. To be honest he didn't care about all the work and effort that went into our case and for the fact they had made serious errors. His only concern was did we still owe them arrears. We said NO, so case dismissed and we still have to pay their legal costs when they dont even bother to turn up at court!!!!

CASE DISMISSED!!! We won No one for the other side bothered to turn up at court.

CASE DISMISSED!!! We won No one for the other side bothered to turn up at court.

I have a question. As my previous posts have stated my 2nd charge and their solicitors have messed up big time. How can I word this politely to the Judge for tomorrow in a way of asking him/her to order compensation for distress/loss of earnings and time on dealing with the matter and telephone calls etc.. I feel they should be ordered to pay me something, after all when the boots on the other foot they make us pay through their extortionate charges

I have a question. As my previous posts have stated my 2nd charge and their solicitors have messed up big time. How can I word this politely to the Judge for tomorrow in a way of asking him/her to order compensation for distress/loss of earnings and time on dealing with the matter and telephone calls etc.. I feel they should be ordered to pay me something, after all when the boots on the other foot they make us pay through their extortionate charges

Thanks for that louise I'm hoping I can persuade the Judge to start making these mortgage companies think twice before insisting on having people in court and threatening to take their homes especially when they have agreed plans in place and have not been breached and all they are doing is increasing a person debts which need not be when they are the ones who make the offers!!

Thanks for that louise I'm hoping I can persuade the Judge to start making these mortgage companies think twice before insisting on having people in court and threatening to take their homes especially when they have agreed plans in place and have not been breached and all they are doing is increasing a person debts which need not be when they are the ones who make the offers!!

As Ronan Keating once sang "If tomorrow never comes" would the mortgage company know how much they owe me? I am set and prepared, have done some last minute preparations and found out about the mortgage company thanks to this very site and many thanks to Ell-enn too for sending my the Q27 section that I needed to file and fill in blanks and also for a very lenghty chat on BT I am hoping the Judge will see things my way with the all the information submitted and see that the solicitors acting for the mortgage company have failed in their duty of obtaining up to date information on behalf of their clients and also for undue pressure aggrevation and distress fromt he mortgage company themselves and pay me a nice handsome compensation cheque Well a girl can dream cant she

As Ronan Keating once sang "If tomorrow never comes" would the mortgage company know how much they owe me? I am set and prepared, have done some last minute preparations and found out about the mortgage company thanks to this very site and many thanks to Ell-enn too for sending my the Q27 section that I needed to file and fill in blanks and also for a very lenghty chat on BT I am hoping the Judge will see things my way with the all the information submitted and see that the solicitors acting for the mortgage company have failed in their duty of obtaining up to date information on behalf of their clients and also for undue pressure aggrevation and distress fromt he mortgage company themselves and pay me a nice handsome compensation cheque Well a girl can dream cant she

I was searching online for some information for a decent savings account for my son when I can accross this.... I dont know how important it maybe though, could something and then again nothing.. Experts tell banks 'not to appeal the bank charges decision' There is much speculation that the banks will appeal the court's decision yesterday about bank charges being subject to scrutiny, but experts warn that this would not be in the best interest of the consumer. The decision by the high court yesterday ruled that bank charges[/url] are subject to the Unfair Terms in Consumer Contracts Regulation (UTCCR) 1999, and therefore the banks could be forced to pay back millions of pounds in overdraft penalties. Campaigners are seeing the result as a major triumph for the consumer, and it is hoped that the Office of Fair Trading will soon be allowed to set the bar for bank charges, as previously banks were charging 'unfair' fees of up to £39 for unauthorised overdrafts and bounced cheques. The banks, however, have suggested that they will contest the decision, which, experts argue, will only cause further delays for the same result, while consumers wait up to another year to be able to claim their money back. Teresa Perchard, director of policy at the Citizens Advice Bureau, said that following yesterday's decision, "it would be in all consumers' best interests for both sides to come to an agreement instead of letting the case drag on through the courts. "Until the case is resolved complaints remain on hold and charges continue to be applied to accounts, unless a customer is considered to be in financial hardship. This is why it's important that people in difficulties let their bank know and that banks take a broad view of what financial hardship means. Nathan Gladwell from Chiltern said that "Taking expensive charges from customers who had exceeded their credit limits and were already in trouble only perpetuates the problem of debt. "These people needed help and guidance from banks, not draconian punishment, and these excessive fees meant they would have less money each month to cover their living costs - putting further strain on already overstretched budgets." He called the decision a "massive victory", for the consumer, but is wary that the banks will retaliate by putting an end to free banking. If the next stage of the saga also rules in favour of the Office of Fair Trading and opens the floodgates for consumers to reclaim unfair bank charges, Which? estimates that banks will have to return an estimated £9 billion. Sunday, 27 April 2008 11:28 View News Archive

2 days to go...Roll on Wednesday, I cant wait to have this company in court I am hoping and praying the Judge will see things our way and also order compensation payout due to shabby handling of records and also due to distress caused by their failings as company as whole..Also due to their errors on our credit files making it difficult for us to obtain a remortgage!!!

2 days to go...Roll on Wednesday, I cant wait to have this company in court I am hoping and praying the Judge will see things our way and also order compensation payout due to shabby handling of records and also due to distress caused by their failings as company as whole..Also due to their errors on our credit files making it difficult for us to obtain a remortgage!!!

I know exactly how you feel at having to do the run around for their errors. I am in court on Wednesday with my mortgage company over their errors and they have the cheek to state they going to take my home. Not only that they also incorrectly put information onto mine and my husbands credit files and then have the flaming nerve to inform us that they did not put the information onto our credit files WE DID!!!! How rediculous is that?????? I informed them I will be seeking massive compensation from them when we are in court on Wednesday for the distress they caused me and my family inclusing time lost at work!!

The way I understand credit files is this...The company in which you take out the finance with has a resposnisbilty to ensure fair and accurate lending and information is recorded on your credit files. What they put there remains for 6 years even when it is satisified and closed! Which I personally think is rediculous seeing as credit companies disregard information held on record and satisifed more than 12 months old! The company in which you have debt/credit has to file evrything in which is correct, if there is anything incorrect you should raise the matter with company in whch the debt was agreed with and also inform the credit file company that you dispute the information on record. The company in which the debt is with then has a duty to make sure it is correct and to correct errors that are incorrect. If they fail to do this, then they are in breach and can and should be reported to the information comission as incorrect information can cost you dearly when trying to obtain further credit the potential company may charge you more interest or even decline you!! You first port of call is with Abbey, try and get them o resolve the issue with a 14 - 28 day time frame if that does not happen inform that they will be reported to the information commission.

Hi Paul, The lady I spoke to made a point of putting a note onto my files stating that I rang in re credit files. She also said, requested credit files to help with but this was refused. I said your damn right I`m refusing you my credit files! She kept saying we need a copy of what your looking at so we can help you!! I then argued, I thought you said you dont know anything about credit files and that it was ME who puts the information onto my files! She then said well it is not us!! :o I figure I`ll let the judge go to town with their so called solicitor on Wednesday with all their shabby paperwork and dealings!!! Then they will be forced to put everything right by order of the Judge and that will be done with immediate effect

Hi Paul, The lady I spoke to made a point of putting a note onto my files stating that I rang in re credit files. She also said, requested credit files to help with but this was refused. I said your damn right I`m refusing you my credit files! She kept saying we need a copy of what your looking at so we can help you!! I then argued, I thought you said you dont know anything about credit files and that it was ME who puts the information onto my files! She then said well it is not us!! :o I figure I`ll let the judge go to town with their so called solicitor on Wednesday with all their shabby paperwork and dealings!!! Then they will be forced to put everything right by order of the Judge and that will be done with immediate effect

Hi Paul, Many thanks for your reply. I have spoken to the company today and their response was go and talk to citizens advice as this is nothing to do with them as they dont know anything about credit files!!!!!! I said are you not a responsible financial intitution and also responsible to FSA guidlines as well Council Of Mortgage Lenders??? Then you will be awre that you have a duty to report accurately what you put on the customers credit files!! She again said nothing to do with us please go and see Citizens advice. I then demanded a manager, she said there was not one available. I am trying to help you. Can you send me a copy of your credit files? I said you have got no chance, you have made a mess of my accounts, no way am i giving you my credit files. I said tell you what,I am in court with your company on Wednesday, I`ll take it with me to court and we will see what the judge has to say!!! And when I'm done there I am reportingyou to the FSA and CML. And anyone else I can think of and then I will read about this company being severly fined and reprimanded for their shabby dealings and record keeping..

Hi Paul, Many thanks for your reply. I have spoken to the company today and their response was go and talk to citizens advice as this is nothing to do with them as they dont know anything about credit files!!!!!! I said are you not a responsible financial intitution and also responsible to FSA guidlines as well Council Of Mortgage Lenders??? Then you will be awre that you have a duty to report accurately what you put on the customers credit files!! She again said nothing to do with us please go and see Citizens advice. I then demanded a manager, she said there was not one available. I am trying to help you. Can you send me a copy of your credit files? I said you have got no chance, you have made a mess of my accounts, no way am i giving you my credit files. I said tell you what,I am in court with your company on Wednesday, I`ll take it with me to court and we will see what the judge has to say!!! And when I'm done there I am reportingyou to the FSA and CML. And anyone else I can think of and then I will read about this company being severly fined and reprimanded for their shabby dealings and record keeping..

Hiya Ell-enn Need your advise on something. You know we have been making payments to the 2nd charge since February and we are all paid up and they have even told us we are in credit..OMG to the nice princely sum of £6. and a few pence Well they have not been updating our credit files, they have been showing when they have received monies that payments are missed :o and not only that we only owe them £13,570 and stupid as it is we got this on interest only with the intention of paying this off when we remortgaged to pay this off, if you know what I mean. Well the payments for this should only be £193.00 and on our credit files they have us down as supposedly paying £1126 per month times that over the length of the full loan period and we are paying them back well over £300k!!!!! This information is not correct!!!!!!! Me and hubby feel that due to this incorrect information that is why we are being refused credit elsewhere as it looks as if we are paying out all of our income on 2 debts with nothing to live on, so they are denying us this basis..that what we think anyway, we could be wrong. Is there anything we can do about this? Can we report this company for filing incorrect information? If we can who do we report them too? I have taken a copy of the area of our credit report and we intend to be showing this to the Judge next week The solicitors going to wish she called in sick by the time we are finished with them and the judge

Hiya Ell-enn Need your advise on something. You know we have been making payments to the 2nd charge since February and we are all paid up and they have even told us we are in credit..OMG to the nice princely sum of £6. and a few pence Well they have not been updating our credit files, they have been showing when they have received monies that payments are missed :o and not only that we only owe them £13,570 and stupid as it is we got this on interest only with the intention of paying this off when we remortgaged to pay this off, if you know what I mean. Well the payments for this should only be £193.00 and on our credit files they have us down as supposedly paying £1126 per month times that over the length of the full loan period and we are paying them back well over £300k!!!!! This information is not correct!!!!!!! Me and hubby feel that due to this incorrect information that is why we are being refused credit elsewhere as it looks as if we are paying out all of our income on 2 debts with nothing to live on, so they are denying us this basis..that what we think anyway, we could be wrong. Is there anything we can do about this? Can we report this company for filing incorrect information? If we can who do we report them too? I have taken a copy of the area of our credit report and we intend to be showing this to the Judge next week The solicitors going to wish she called in sick by the time we are finished with them and the judge