Baz1994
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Hi I hope someone can assist with the latest PCN recieved by my company on the 26/09/18. I have tried to review video evidence on-line but I am unable to download it as my browser is not compatible? Can I request details direct from Camden and if so will this start the appeal process? I reviewed pics submitted - 1st pic time 08.54.02, 2nd 08.54.13, 3rd 08.54.15 & 4th 08.55.15. I do recall that at time of alleged offence, trafalgar square was closed due to emergency road repairs in which caused more traffic than usual in surrounding area and gridlocked in places. I remember approaching the junction when suddenly various vehicles were crossing lanes in front of me, including buses in which blocked my original clear access. Also on reviewing the PCN, should it not state a contravention code or exact location due to 8 box junctions on Shaftesbury Avenue? I was crossing Shaftesbury avenue as I was actually travelling down Bloomsbury St. I drove down there today and could not see any appropriate signage apart from bus lane cameras. They also state that recording was made by an approved device yet I did not see any traffic enforcement cameras. Finally will it be Friday 5th October to submit appeal to still recieve 50% reduction? Many Thanks for looking. img20180928_17161721.pdf img20180928_17174174.pdf
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Here you go dx page 2 of Welcome letter June 2014. Also 0% interest on mortgage statements. Cheers img20180606_14474374.pdf
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OK thanks dx. Sorry proof of what details? Start a new claim disputing that the commission claim offset against the arrears or that it was only 50%? So as Progressive one of the same, that would be suffice and legal? And can they just add interest back on to transfer balance? Cheers
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Just an up-date regarding our complaint. Welcome have agreed to settle our mis-sold commission claim (only 50%) and have offset funds against our arrears. We have also received a response from FOS that our previously rejected PPI claim is still awaiting an Ombudsman decision. I know that these are two seperate issues as reiterated by the FOS adjudicator but surely their admittance to undisclosed commissions constitutes their part in the sale of the up-front PPI? Also on looking through some old paperwork, the charge on the property only states Progressive Financial Services and not Welcome Finance. I recently spoke to our original mortgage provider on another issue and kindly ask what details that had on their records regarding other charges on our property.They advised that they had no knowledge of Progressive Financial or Welcome Finance being added or even contacting them. I have also reviewed a telephone conversation details for when initial loan was sold where it is stated that as part of the Welcome Finance contract, they don't have to ask our original mortgage providers permission to secure behind. Is this correct? Finally our loan has now been sold to Coast Finance Solutions as from 11th June,2018 but the balance now transferred has been increased in which looks like they have added some sort of interest. We originally had our loan interest frozen to 0% in 2014 by Welcome due to our complaint regarding lack of provision of annual statements and mis-calculated figures due to their system migration error, so again can they legally do this? Thanks
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Thanks again dx, so just file away and ignore?
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Thanks again dx. Please see attached full copies of agreement details sent by 1st Credit, one for original address when opened (APR 28.70%) and one for my current address (APR19.90%). And as my earlier posts they also sent a statement of account and some computer generated statements from 2006, in which are showing agreement number from 1990's when opened as changed thereafter. Any further comments would again be appreciated. Thanks for your time and any further comments. img20171204_20524685.pdf
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Hi dx, There is no Full signed CCA. All they have sent is a reconstructed credit agreement and term details with my address added but no agreement number or signature.
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Please see further correspondence from 1st Credit Legal Dept received on Saturday. Again do I just scan and ignore?
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Cheers will just copy it and give to the dog.
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Thanks dx so just bin it then?
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Ok thanks again dx. And I have now up-loaded details re my 1st Credit post
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ok thanks dx. Yes I have read it a while back. It's just the 50% threshold that concerns me and having the claim rejected again.
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Thanks BankFodder and will do so. Just a little confused how we can complain about something without any proof. Are they now obliged to disclose how much and provide evidence? Or are we to take their word for it?
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I today received a letter from CAP One about making a new complaint about my PPI. Previously rejected but now asking me to make a new type of complaint regarding commission. My questions are, how do I complain if I have no evidence of commission paid for policy or on what grounds do I use now? Can I now request evidence of commission's paid as part of my previous SAR some years ago? They are requesting that I fill out an online complaint form or do so in writing. Thanks for looking.
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Thanks dx please see attached. Previously sent copies of old statements and prescribed terms. No signed CCA agreement. Would they be witholding the agreement do you think? Further to my previous post, I have up-loaded previous correspondence received from 1st Credit. I am a bit confused regarding the comments iro submission of a signed CCA agreement. My original request was in 2015 and never provided and I stopped making payments. Thanks for looking and any comments appreciated.
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Just an up-date on my situation. I did not respond further to last correspondence from 1st Credit. I have today now received a further letter threatening internal legal department proceedings if I do not respond within 10 days to discuss a repayment plan. Is this just their usual practice and I just ignore it?
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Black Horse Secured Loan / 2nd Mortgage arrears dispute FOS complaint
Baz1994 replied to Baz1994's topic in Black Horse
Sorry to raise old thread again but did'nt want to post a new one as I have now some further issues with 3rd charge company. Going back to posts #17, 18 & #19 details. Sorry to sound dumb but would the original lender (Halifax) enter the restriction on our property? Or was this done by the 3rd Charge (WFS) themselves direct to the Land Registry? Thanks for looking. -
OK thanks dx and will do. My concern is that I didn't really want to open up another complaint when I have already have an existing one ongoing. Especially when Welcome originally rejected my previous mis-sold PPI complaint in which included the basis that they are now asking me to submit a further complaint. Also there is the question of amount of redress if successful. Will the failure to disclose commission amount differ from any mis-sold PPI complaint?
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My original ppi complaint is still awaiting an allocated Ombudsman to review (over 3 years now). I had originally sent a rather large complaints file to FOS highlighting evidence of commissions paid between Broker and Lender etc. Received letter from FOS in August 2017 advising that complaint still awaiting review by Ombudsman and also the mention of the Plevin v Paragon court ruling. Yesterday I received a letter from Welcome Finance Customer Relations stating even though they rejected my original complaint, I would be able to submit a further complaint in relation to its failure to disclose commissions associated with PPI sold to me. What concerns me is that my original complaint included unfair relationship reasons regarding broker / lender and provided evidence obtained via SAR in which was rejected. Do I submit a further complaint to Welcome? Or do I forward letter to FOS as part of my original PPI complaint waiitng an Ombudsman's review? Thanks for looking.
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OK cheers dx point taken.
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Yes I realise that now Bazooka but I kept getting discount offers, some old statement printouts (not originals), copies of terms and conditions with my address typed in, then various County Court threats. I only responded in writing to remind them that they had previously failed to provide a copy of a signed credit agreement and to stop harassing me.
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Yes I should know dx thanks but I just wasn't sure with this type of context. Cheers
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OK cheers dx So again just ignore? Are the letter details just the usual threat-o-grams?
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Sorry to raise concerns again and didn't want to start a new thread. Quick re-cap from last post. No copy of signed agreement received from DCA or OC. Payments stopped July 2015 (used towards priority debts instead) Last year started getting reduced settlement offers again in which were ignored. In March 2017 out of the blue received another letter but this time with copies of credit agreement terms details, some old copies of computer generated statements and a copy of 1st Credit statement up to last payment made in July 2015. But no copy of original signed agreement. Ignored again but then received another letter threatening legal proceedings. Responded in writing telling them to bog-off etc and to stop harassment as they have not fully complied with the request. Have now received the latest attached letter from 1st Credit Compliance Dept. Do I respond again or just ignore? Thanks for looking
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Black Horse Secured Loan / 2nd Mortgage arrears dispute FOS complaint
Baz1994 replied to Baz1994's topic in Black Horse
Previous complaint with Skye Loans / Capita rejected by FOS. Skye / FOS advised that disputed amount transferred by BH, in June 2015. Submitted SAR to BH. Last overdue amount from BH different to opening arrears balance stated by Skye. Confirmed by details received as per SAR. Raised complaint with BH who responded that all details provided in which they have. Escalated complaint to FOS in which I have now received their brief and inconclusive findings. They have said that the disputed transferred arrears amount needs to be raised with Skye Loans???? I have until 30th March 2017 to respond and I have requested an extension due to the investigators comments. I am somewhat concerned as on past experience whenever I have replied to the investigator to reconsider on evidence provided, it has been ignored and had to refer to an Ombudsman. Who then agrees with original findings and is rejected. Is there anything else that I can do before having to go to the Ombudsman? Can I request that the investigator is changed or referred to a more senior level? This is totally frustrating and has not been fully investigated. I have evidence of last disputed arrears amount with BH before transfer (though BH cannot provide a full breakdown) and last CMI payments made with BH in which differ from increased arrears balance stated by Skye Loans. Any advice please.
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