hi i need some urgent help and advice pls due to be evicted

[Never-In-Doubt]

Re: hi i need some urgent help and advice pls

jimmq are you complaining about the whole of the agreement to the FOS or just about the charges?

should be the whole lot, they will deter from overpriced charges, in some cases the fos are more of a hindrance than assistance...

Jimmq for now leave the fos alone, lets get our heads round things and then we'll guide you. Maybe Paul will suggest legal threats as opposed to FOS, standing more chance? Lets see....

[transformer999]

Re: hi i need some urgent help and advice pls

jimmq are you complaining about the whole of the agreement to the FOS or just about the charges?

[Never-In-Doubt]

Re: hi i need some urgent help and advice pls

i need to email some additional information to the fos so i can make the case stronger and make sure they dont throw it of the window if required i can upload the whole agreement for you guys to look at?

maybe one of you can write me some bullet points i can get the fos to look at ?

here are some of the charges from an old breakdown letter they sent me but now these are higher have all the new ones at work and not with me

balance outstanding = £51,015.35

add redemption admin Fee £295.00
add interest in accordance with agreeement £2047.50
ADD harpmonaor Limited Administive Costs £4456.50
ADD Renewal FEE £20,500
ADD cantor law limited litigation fees on redemption £1658.00
ADD VAT ON LEGAL COSTS £290.00
ADD warant fees £190.00
ADD BANK TT FEE £35.25
ADD HM LAND REGISTRY FEE £6.00

TOTAL = £80493.75

please note the newest statement i have is just short of £100k

it's the above parts, bold in red - what the feck are these

Are you saying it is jumping up £30k each statement....?

[Pixie]

Re: hi i need some urgent help and advice pls

nicely blagged Pixie

[jimmyq]

Re: hi i need some urgent help and advice pls

i need to email some additional information to the fos so i can make the case stronger and make sure they dont throw it of the window if required i can upload the whole agreement for you guys to look at?

maybe one of you can write me some bullet points i can get the fos to look at ?

here are some of the charges from an old breakdown letter they sent me but now these are higher have all the new ones at work and not with me

balance outstanding = £51,015.35

add redemption admin Fee £295.00
add interest in accordance with agreeement £2047.50
ADD harpmonaor Limited Administive Costs £4456.50
ADD Renewal FEE £20,500
ADD cantor law limited litigation fees on redemption £1658.00
ADD VAT ON LEGAL COSTS £290.00
ADD warant fees £190.00
ADD BANK TT FEE £35.25
ADD HM LAND REGISTRY FEE £6.00

TOTAL = £80493.75

please note the newest statement i have is just short of £100k

[transformer999]

Re: hi i need some urgent help and advice pls

Anything to help Niddy and anything to screw Blemain over in the process too. I must remember not to call myself T999 when I get to court...as the amount of times I had to edit my name to T999 in John Pugh's advice is still ringing in my ears...lol...

[Never-In-Doubt]

Re: hi i need some urgent help and advice pls

No probs Niddy.....just ignore my hell story above and read paragraph 41 onwards

thanks - very useful from first glance....

[Never-In-Doubt]

Re: hi i need some urgent help and advice pls

That's why I didn't know what UTTCR was

nicely blagged Pixie

[transformer999]

Re: hi i need some urgent help and advice pls

if it's not war & peace please post it up.....

No probs Niddy.....just ignore my hell story above and read paragraph 41 onwards

[Pixie]

Re: hi i need some urgent help and advice pls

I presume you mean UTCCR?

That's why I didn't know what UTTCR was

(that and the fact that it's Friday night and I've opened the vino)

[Spent2much]

Re: hi i need some urgent help and advice pls

you have come to the right place Jimmyq this site is awesome you feel right at home here and if they can help they will , hope this all turns out for you .

[PriorityOne]

Re: hi i need some urgent help and advice pls

http://www.rip-off.co.uk/docs/unfair_terms.pdf

Interesting....

[Never-In-Doubt]

Re: hi i need some urgent help and advice pls

I had some very good advice from John Pugh regarding Blemains' interest rates...if anyone wants to see it please let me know.

if it's not war & peace please post it up.....

[transformer999]

Re: hi i need some urgent help and advice pls

I had some very good advice from John Pugh regarding Blemains' interest rates...if anyone wants to see it please let me know.

[PriorityOne]

Re: hi i need some urgent help and advice pls

"The key test to determine whether a contract term is fair or not is set out in UTCCR Regulation 5(1) and provides that "a contractual term which has not been individually negotiated shall be regarded as unfair if, contrary to the requirement of good faith, it causes a significant imbalance in the parties' rights and obligations arising under the contract, to the detriment of the consumer.""