Baz1994
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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. -
Black Horse Secured Loan / 2nd Mortgage arrears dispute FOS complaint
Baz1994 replied to Baz1994's topic in Black Horse
Well 6 months have passed since my last post and in which complaint was investigated (not adjudicated as previous complaints) and referred to the Ombudsman, who submitted their decision last week. All seems to have been a complete waste of time apart from having all default fees reimbursed and litigation threat dropped if we stick to arrears repayment plan. Regarding the disputed arrears amount, Skye could not provide any evidence of the said amount apart from an opening arrears balance. They also refused to investigate further as we had previously made an arrears complaint over 6 months ago in which the amount formed part of the latest disputed figure. Investigator / Ombudsman agreed and therefore would not entertain it, even though figure has increased. Skye / Blackhorse could not provide terms of the agreement details mentioned overleaf on the Credit Agreement. After further investigation I found the complete original in which clearly stated that any early Settlement of loan / mortgage a rebate of interest will be deducted in accordance with the Rebate on Early Settlement regulations 1983. Skye refused the above as they don't have to adhere to, even though we had received notification from both parties advising that nothing would change. FOS Investigator / Ombudsman agreed with Skye. They also agreed with Skye that any early redemption statement would not have to show any rebate of interest and therefore a completely different format as to previous supplied by BH. Skye are also refusing to provide any further Redemption Quotations as they have already provided two (first was incorrect after I checked figures) and FOS are in agreement. The Ombudsman actually stated that Skye are not entitled to any interest rebate and we will in fact pay less interest as early redemption will stop any further interest accruing. Totally confused as to why then can't they provide details on their quotation? Am I missing something? We also requested the freezing of interest going forward in order to assist in clearing the loan / mortgage balance quicker but was not only misunderstood by Skye but also by FOS Investigator / Ombudsman. Even though we clearly stated that on numerous occasions, it was in respect of full loan balance / CMI payments and not default fee interest, all parties ignored and did not address correctly. The Ombudsman agreed that though the Telephone Conversation with my OH may have caused some distress they believed that Skye followed all protocols so no harm done. Nothing as to what was said and that Skye refused / dismissed any recorded details of conversation as part of our Subject Access Request and that only provided when FOS intervened. Now we fully stated all relevant FCA handbook regulations where appropriate and not even the Investigator or Ombudsman could not even be bothered to address accordingly. It seems that the Ombudsman has basicaly agreed with the Investigator like for like and totally ignored or even bothered to address our individual complaint points backed by FCA handbook regulations. Finally to cap it all they both stated that the disputed arrears amount was passed over by Black Horse (will start a new thread as now a separate complaint) and that it was for them to explain. Guess what, Blackhorse cannot provide details and are saying it is for Skye to address as they are now the legal owners. :???: -
Black Horse Secured Loan / 2nd Mortgage arrears dispute FOS complaint
Baz1994 replied to Baz1994's topic in Black Horse
Original unregulated secured loan sold on / transferred to another company. Previously had a dispute with arrears amount in which never fully explained. Arrears amount transferred to new company totally different amount. Disputed again with new company but eventually responded saying it was previous companies issue and not there's. Account in dispute yet arrears management fees being charged even though they cannot prove it. Can they still do this ? Is there any part of the FCA handbook that states the above regarding loans in arrears ? Thanks for looking. -
OK thanks again martin2006 for your further comments. We will probably get another glazier to come out and have a look before next thursday. I will keep forum posted with developments.
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Thank-you both and will pass on info to my OH. I will keep you posted of developments.
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All very strange and a coincidence that this is a third time this has happened. Sorry I am no expert but surely the glass, being a patio door would be heat resistant? Could we request an accessor from RSA to come and look at damage due to circumstances?
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Ok cheers once again. My OH will speak to insurance tomorrow on her mum and dads behalf with further questions. I believe they have put a film over the damage for now and ordered the glass for end of next week. I mentioned earlier their assumption of damage causation. RSA would not proceed with claim until excess was paid today. I just wondered whether their should have been a claim at all if the replacement glass was faulty or fitted incorrectly.
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Ok martin2006 thanks again. It is a newish house approx 15 years old. How will they be able to confirm this? Would heat / sunlight cause patio doors to shatter?
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Sliding door with one pane fixed. I spoke to my brother-in-law earlier who was in attendance last year when first repaired. He did say that the fitter was having trouble fitting correctly hence it shattered a second time. He also mentioned the possibility of frame issues.
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Thanks martin2006. Well funny enough that was something else I was going to mention. I wasn't there when they eventually turned up today (I was there earlier to look at damage) and they had the audacity to suggest that a stone or some other foreign object caused it. The previous second time that it shattered was when the fitter was replacing it into the frame. My OH will be calling RSA tomorrow but I just wanted some clarity on the matter.
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My OH's elderly parents have Home Insurance policy with RSA through Lloyds bank. In July 2015 one of their patio doors glass shattered and had to be replaced. They submitted a claim and glass was eventually replaced (3 weeks) by Evander Glazing, who assumed it was due to direct sunlight / heat. Whilst replacing it the glass shattered again therefore replaced on 2nd attempt. Today the same glass shattered again. My question is, would the replacement glass be under any sort of guarantee? Thank-you
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Black Horse Secured Loan / 2nd Mortgage arrears dispute FOS complaint
Baz1994 replied to Baz1994's topic in Black Horse
Thanks Ford. No it is all part of this thread hence my further question. But perhaps I should post the question under a new thread but not sure where to post it correctly? -
Black Horse Secured Loan / 2nd Mortgage arrears dispute FOS complaint
Baz1994 replied to Baz1994's topic in Black Horse
Ok thanks martin2006. Today received final response from Skye Loans Limited in which I have now sent to FOS. Still not fully addressed and I just hope the FOS Investigator (changed from Adjudicator?) will highlight this in their findings. Skye still cannot provide any breakdown for the opening disputed arrears balance. They have now elaborated further regarding the telephone conversation since FOS involvement but will not provide written transcript or recording. Can anyone comment on my previous post # 108 thanks -
Islington Council PCN: Code 001
Baz1994 replied to Baz1994's topic in Local Authority Parking and Traffic Offences
Thanks again and will bear that in mind next time. I did attempt to access info on their website but system still down. A bit cheeky then when I only advised them of this and they replied with photos etc -
Black Horse Secured Loan / 2nd Mortgage arrears dispute FOS complaint
Baz1994 replied to Baz1994's topic in Black Horse
I just done a re-cap on the attached link pending a separate complaint with BH . Am I reading correct that loans for £25,000 plus secured by a second charge on property will be regulated by the CCA? -
Islington Council PCN: Code 001
Baz1994 replied to Baz1994's topic in Local Authority Parking and Traffic Offences
ok and thanks again for your comments. I did not know that by asking for photographic evidence and observation times is deemed as a formal appeal. I will bear that in mind with any future PCN's. -
Black Horse Secured Loan / 2nd Mortgage arrears dispute FOS complaint
Baz1994 replied to Baz1994's topic in Black Horse
Complaint still with FOS who are awaiting full details from Skye. I have now been advised that there will be no litigation at moment. Skye have acknowledged FOS involvement. After further investigation there seems to be a discrepancy with the original disputed amount transferred from Blackhorse to Skye that cannot be explained. The opening arrears balance advised by Skye has increased from what BH advised yet no breakdown provided. I will keep forum posted of any developments. -
And did you receive a full breakdown of the offer? They do have a habit of miscalculating as per my previous experiences.
