ok thanks for your advice guys ,kind regards angnnig

Ok Ellen ,thanks

We are now in a vunerable position with acenden. We have recently sent an LBA to acenden and the engine has gone on the taxi again, so my partners not been able to work and has had to fork out £800 for another engine , we are now a week late with paying the mortgage and worried that acenden will just evict us . I have sent them a letter by recorded del explaining that we are going to be about 2 weeks late with the mortgage payment which they should have by now. When we sent the lba, acenden wrote back to acknowledge the letter, asking for the charges back and said they will reply within another 4 weeks, do we wait for them to send it or just take them to court for the charges now, thanks for any replies. Regards angnnig

After sending the LBA to acenden ,I have now recieved a letter of acknowledgment saying they will respond within 4 weeks,Do I have to wait for them to respond or should I just bang them in court now?Thanks,regards angnnig

Hi ,sent the LBA now and upon reading the POS on paragrph 6 ,it says, (the defendents also levied further interest upon the said unlawful charges of £xxxxx),do I put the interest on arrears figure here?Thank,s regards angnnig

Hi We are have just sent the LBA off to acenden and now preparing the court papers.On the p.o.c part 6.The defendent,s also levied further interest upon the said unlawful charges of £*****.Do i mention the interest on arrears charges in this bit? regards angnnig

OK Thanks for your reply DX ,time for me to send an LBA,regards angnnig

Hi ,We are considering taking Acenden to court for arrears fees of £3414. These include 1.ARREARS MANAGMENT FEES 2.INTEREST ON ARREARS FEES 3.LITIGATION MANAGMENT FEES 4.EARLY STATEMENT FEES 5.LATE STAGE ARREARS FEES 6.ADMIN FEES Am i right in thinking that I can claim all these fees back? Also if we do take it to court as we are on a low income can we apply for a fee exemption for the initial cost? and if we lose are we liable to pay any court costs ? Thankyou for any replies ,regards angnnig

Hi Ell-enn,Thanks for your advice.As we have already tried reclaiming the charges through the FOS and had no luck ,do we l ask Acenden for the charges back again before taking court action,kind regards angnnig

Hi ,Hope someone can help us. We have tried claiming late payment fees and various other charges back from Acenden (our mortgage company) through the FOS , which was a waste of time and we even nearly lost our home partly because the charges have been added to our arrears balance. So we now think it,s time to try and claim these charges back through the court, they still have a suspended repo order over us but we still think it,s unfair that even if we dont have any chance of getting the charges refunded , they should at least remove the charges from our arrears account and put onto the overall mortgage balance. Am I right in thinking we can claim 1.early statement fees. 2.interest on arrears fees. 3.litigation management fees .4.late stage arrears fees ? Should we ask for them to refund the charges again or just go straight to court as they have already refused to refund them , when we went through the FOS? Kind regards angnnig

Hi Ell-enn,We have decided that we want to take Acenden to court for all the charges they have applied to our mortgage account.Any advice from you on how to go about this would be greatly appriciated .Thanks.Kind regards angnnig

Thankyou ,regards angnnig

Thanks again Andy for all your help with it

Hi ,Had a letter from the court today saying that loans2go have accepted our offer of £587 ,so they have agreed to knock the charges of £103 including interest off,we still have to pay the court fee of £60 on top,but at least we got a result with the charges.thanks to all those of you that have helped us. Kind regards angnnig

ok Andy ,Thanks

Hi Andy,I am just filling out the claim on mcol and I have come to a section that is asking me if i want to counterclaim .Should i say yes to this as i am disputing the charges of £95 plus £8 interest .Thanks regards angnnig

Hi ,thanks Andy .Yes we have sent them a letter asking for the charges back and asked them for more time to pay the rest of the money up.I have done a defence just in case they don,t respond in time,just basically says they have done us for charges and that we want them back..regards angnnig

I haven,t heard anything back from loans2go yet and the 28 days is up for the court defence acknowledgement next monday.Should i get my defence in now and can i do this online,kind regards angnnig

Ok Andy ,thanks .kind regards angnnig

Thanks ,Just one more query about the CPR,I dont think they sent me the CPR that i requested ,do they not have to send it to me ? regards angnnig

Ok Andy thanks for your help.What should we do about the fees are they worth claiming back ,if so should we do it by the FOS or court route,regards angnnig

I think thats everything

Loans 2 Go Limited Head Office 297 Oldham Road Rochdale OL16 5JG DX: 22809 ROCHDALI t: 01706 869 722 f: 01706 869 610 　 27 July 2011 e: info@L2G.co.uk w: www.loans2go.bi2 　 Further to your request for copies of documents referred to in the particulars of claim, please find enclosed a copy of the credit agreement dated 19 August 2009 and a copy of the default notice dated 15 January 2011. 　 In relation to your part 31 request, it is noted that you have copied and pasted a standard form letter which is available on various consumer forums. However, the Civil Procedure Rules are complex and do not lend themselves to a template based approach. We would therefore strongly advise you to consult with a solicitor to avoid unnecessary costs being incurred by yourself. Loans 2 Gos is a reaistered trade mark of Loan 2 Go Limited. Yours sincerely Loans 2 go Limited Legal Department 　 If you wish to settle the amount claimed of £750 you may do so now to avoid a county court judgement being issued against you and to avoid incurring additional costs.

96p3U39(M MsmNXsw ^| 　 DIVHd INBd AgreementTHE CONSUMER CREDIT ACT 1974 Di you (\cr riNANUAL INr-ORMAtlON Amount of Credit: £350.00 Total Amount ^ayacie: £530.00 Term: 3 months Totai Amount Payable is payable by 2 monthly repayments of £35 and 1 final repayment of £460. Each repayment is due and payable on the same day of each s^:ceeding month, commencing 19th September 2009. APR: 500.17% OTHER FINANCIAL INFORMATION Arrangement Fee: £75.00 r:a Interest is charged at a simple interest rate of 120% per annum c commencement of this agreement. ?st £105.00 Total Charge for Credit: £180.00 the Amount of Credit for the Term and is applied to the account, in full, at the KEY INFORMATION Security You will provide a mortgage over the following goods: Blue Ford Focus Zetec. Vehicle VRM:X57 LHR. Vehicle V1N:WCOAXXGCDAYL08622. by means of a Bill of Sale to secure your obligations under this Agreement (see also clause 5 overleaf). Charges We have a right to charge interest on all overdue sums at the APR shown above (see clause 3 overleaf). The following other charges will apply: For each payment received after the due date £15.00; for each letter or electronic form of communication sent to you, for which you are not legally entitled to, in relation to default of this agreement £25.30: for each visit made to your home in relation to default of this agreement 0.00; for each cheque, standing order, or other payment method which is dishonoured, stopped or not paid by you £25.00; for the temporary jase of documents held in relation to our security under "_h:s agreement £10 per day. You will pay our charges and expenses for non-delivery z—s S-trert —arte' of the Security (sea clause 7 overleaf). You will pay our charges and expenses for tracing you and enforcing our rights (see clause S overleaf). Cancellation Rights This agreement is not cancellable under the Consumer C'edit Act 1974, the Timeshare Act 1992 or the Financial Services (Distance Marketing) Regulations 2004. Amount Payable on early settlement under s94 Consumer Credit Act 1974 You have the right to settle the agreement early. The table shews representative examples of early settlement at %, Vz, and V* of the term. Term Expired Amount 1/4 £461.06 1/2 £43= 3/4 £460.00 　 r calculating the amounts shown no account has been taker; of any variation whicn might occur under the agreement and that the amounts are accordingly oniy illustrative. MPORTANT - READ THIS CAREFULLY TO FIND OUT ABOUT YOUR RIGHTS ~ne Consumer Credit Act 1974 lays down certain -equirements for your protection which should have been complied with when this ac-eement is made. If they were not, we cannot enforce this agreement without a court order. The Act also gives you a number of rights. Ycu can settle this agreement at any time by giving notice in wnting and paying off the amount you owe under the agreement which may be reduced by a rebate. Examples indicating the amount you might have to pay apDear in the agreement. If you would like to know more about your rights under the Act, contact either your local Trading Standards Department or your nearest C '.Zens' Advice Bureau. Missing Payment ■ss.-g payments could have severe consequences and may make obtaining credit more difficult. This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound by its terms. Signature(s) of Borrower(s) ^ Sigrtatase of (or on behalf of) the Lenders 　 Date of Lender's Signature (Date of Agreement)

rHIS laam Kieei ' " ]^j0Si mm 　 .oans 2 WITNr VfO^mi x>nsic&.— ou.,i ui ,jju flKt ^- acknowledges) the Borrower doth hereby assign unto the Lencer his executors administrators and assigns all and singular the several chattels and things specifically described in the Schedule (the Goods) by way of security for the payment of the sum of £350 (the Principal Sum) and interest thereon at the rate of 17.15 per cent, per month AND THE BORROWER doth further agree and declare that he will duly pay to the Lender the Principal Sum aforesaid together with interest then due by 2 installments each of £35 the first payable on 19th September 2009 and the rest at consecutive monthly intervals after that and one final payment of £460 payable on 19th November 2009 AND THE BORROWER doth also agree with the Lender: The Borrower will at all times during the continuance of this security keep the Goods insured under a fully comprehensive policy, and pay all premiums necessary for effecting and keeping up such insurance, and will notify the Lender of any loss of or damage to the Goods, and hold any monies payable under the policy in trust for the Lender The Borrower will not permit or suffer any distress or execution to be levied upon the Goods or become bankrupt If the Borrower : defaults in payment of the Principal Sum or any part of it or of the interest on it at the times appointed for payment respectively, or in the performance of any covenant or agreement contained in this Bill of Sale and necessary for maintaining this security, or has an interim or bankruptcy order made, or is served with a creditors demand under the Insolvency Act 1986 or enters into a formal arrangement or scheme with his creditors, or calls a meeting of them, or if execution has been levied against the goods of the Borrower under any judgment at law, then and in any case the Lender his servants or agents shall be entitled without previous notice to the Borrower, to seize and take possession of any of the Goods in whatever place or places they may happen to be If the Lender becomes entitled to seize the Goods the Lender and/or his agents may enter and remain upon any premises where the chattels may be and after the expiration of 5 clear days from the date of seizure may sell the chattels by public auction or private contract on or off the premises and retain out of the proceeds of sale the expenses of the sale and so much of the Principal Sum as may remain unpaid and the interest then due and all costs and expenses which the Lender may have incurred and the surplus, if any, shall be paid to the Borrower Upon payment by the Borrower of the Principal Sum and interest and the sums costs charges payments and expenses specified in clause 4 above, this security shall be void PROVIDED ALWAYS that the chattels hereby assigned shall not be liable to seizure or to be taken possession o by the Lender for any cause other than those specified in section 7 of the Bills of Sale Act (1878) Amendment Ac 1882. IN WITNESS WHEREOF this Bill of Sale has been signed as a deed the day and year first before written SCHEDULE