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Thread: Claim against Barclays / Firstplus & Elderbridge Ltd

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  1. #26
    Fred's Avatar

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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    The results of any mediation are usually subject to confidentiality clauses in the form of Tomlin order. However above (post 7) is mentioned a case where the interest term has been ruled unfair using the UTCCR 5.1 regulations which was in the district courts so sadly only directly applicable to that specific case.

  2. #27
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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    Hi all,
    OK my situation is i borrowed 50k back in 2006 and have a current balance of 66k. Elderbridge pulled the plug in Jan 2016 and told me i cant afford the payments and will be repossessed soon as. I went to a suspended possession hearing 3 weeks ago which was granted and i am now waiting for my date to vacate.
    My house is up for sale and that is my only option . The Elderridge solicitor is a patronising git who gave me the number for Shelter. Not alot of help out there now there where some sites a few years ago fighting First Plus but seem to have died. Ive got maybe a couple of months before they take control, any help or info would be gratefully accepted.
    Steve.

  3. #28
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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    [QUOTE=Spyker68;716972]Hi all,
    OK my situation is i borrowed 50k back in 2006 and have a current balance of 66k. Elderbridge pulled the plug in Jan 2016 and told me i cant afford the payments and will be repossessed soon as. I went to a suspended possession hearing 3 weeks ago which was granted and i am now waiting for my date to vacate.
    My house is up for sale and that is my only option . The Elderridge solicitor is a patronising git who gave me the number for Shelter. Not alot of help out there now there where some sites a few years ago fighting First Plus but seem to have died. Ive got maybe a couple of months before they take control, any help or info would be gratefully accepted.
    Steve.[

    Steve

    When you write over sites that have died, who may I ask have you tried ? There is loads of information on here such as this thread. Are you saying you are not able to comply with suspended order ? Have you spoken with the CAB or shelter ?

    What is it you would want to do about it ? Who was representing Elderbridge ?

  4. #29
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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    Eversheds represented Elderbridge. I dont need this mess and now im going to lose my home. The shortfall also means im still not rid of these people.

  5. #30
    Fred's Avatar

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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    Is it a twenty five year loan ? When you say shortfall do you mean arrears or the property will not cover the outstanding amount/s. ?

    Is the suspended order based on paying the loan plus an additional amount for arrears ?
    Last edited by Fred; 21st March 2017 at 16:23:PM.

  6. #31
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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    Hi Fred,
    yes its 25 years, yes arrears and additional amount.
    The sale wont cover the debt either, is it worth me selling with all the costs incurred or just hand the keys back to my first charge mortgage provider?

  7. #32
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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    Hi Spyker. have you approached your local authority housing options team for free advice?

    Asked to be referred to NHAS - who have officers that specialise in mortgage cases. (all advice is free) NHAS will go through your case with you and make sure everything has been explored to try keep your home (or not, if this is the best option). NHAS can negoiate and advocate for you.

  8. #33
    Spyker68's Avatar

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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    Hey, i have now had to pay Elderbridge nearly £600 and set up a d/d for this amount. I can't afford this no way but i have no choice. I borrowed £50k in 2006 and now owe £67k my life is spiraling these people are suffocating me.

  9. #34
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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    Like all the others in here I too have had similar happen to me.
    Loan taken out in 2007 for 39K, wife decided not to contribute when she walked out in early 2009
    Taken to court late 2009 to be patronized by FP solicitor working for Eversheds. Ordered to continue payments at agreed amount.
    Kept making payments to save being repossessed and then FP stopped taking the money in 2013, to which I asked why. Then then told me because of the PPI claim I had with them. Then when that paid out on that they decided to send my wife half of the 8% statutory payment because 'her name is still on it' and her stance is Not paid, wont pay.
    Had Elderbridge take over this in January 2016 and basically hunted me day after day to the point where I have had heart attacks that have resulted in open heart surgery and a triple heart bypass. Wrote to them before the operation asking them to leave me alone for a while - they didnt. operation was 22nd Dec 2017 - discharged 28th Dec. Rung up 3rd January by a low life requesting I pay more. Explained Id written to them had major operation. Didnt seem to matter.
    They have ruined my life, my health - and now they persist in taking me to court for the house.
    I am at the point of putting the house up for sale and getting out. I literally cant take anymore. No help from anyone anywhere in site. ((((

  10. #35
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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    Well, all I am at liberty to write is, that these people do not always win in court. There are plenty of things they have/may have done wrong which may be considered in a court if presented correctly.

    The last course of action is repossession it only happens when there is no other way to resolve the issues both parties face & there is much to take into consideration, there is much on this site including the disclosure to read.

    I agree it is shocking what these people do but, not the end by any means, I know from experience for sure on that. Its down to the individual to decide whether to fight or give up, I know which way I prefer but that is not to suit all.
    Last edited by Fred; 19th April 2017 at 15:36:PM.

  11. #36
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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    Thanks for the comments Fred. Unfortunately I don't think I am prepared to sit in a judge's chambers or court room for a second time to be spoke to in a condescending manner when the judge for what ever reason is clearly siding with the lenders who have done nothing wrong, unless you count manipulating their policies to gain maximum interest regardless of the BoH Interest Base Rate position or even supplied so much as a regular statement. That's what happened before and it is nothing short of pure frustration and the lack of any legal right on the customers side. As far as Judges are concerned 'you signed it, its crap I know but pay up or they will come for it and we will assist' . Everyone knows about the devastation First Plus...or lets call them by their right name BARCLAYS BANK have caused to countless thousands of people who have been through the same or already lost their homes. No wonder Carol Voderman would not renew her contract years ago. Not that that's any consolation. Barclays.....(and Voderman) all washed their hands of it to Elderbridge who were interestingly formed a short time ago but somehow have a large amount of capital to buy all the 'bad' loans from Barclays at a massively reduced rate, then come chase all of us who have be wronged for years. Well some of us don't have the means or insight in the banking and court world to fight these parasites. I wish I did but I don't. Some people might see this as giving up. Take note I went to court almost ten years ago and didn't give up. But there is only so much you can take. Without proper information, and by that I don't mean the odd word here and there on the internet, I mean proper grounded legal evidence to prove we have all be wronged and something needs doing from a higher level - what chance do we really stand!

  12. #37
    Fred's Avatar

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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    I know of several who are in a much improved position by selecting the right argument in court, most of the key issues are on this site. I had an order from 2008 set aside based on the issues I raised.

  13. #38
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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    I too am battling first plus elderbridge i have sent off the first of the three an am awaiting a response i did receive a letter from eversheds their solicitors with a global substitution order has anyone heard of this order and if so how valid is it. First plus did have a suspended possesion order and when i sent a letter asking elderbridge who actually owns the loan they have not replied that is why i have started the 3 letter process i also sent a sar about a month ago the reply i got was to send them on proof of who i was ie two signatures per customer passport copy and driving licence whats all this about i have been writing to them on and off for the last 12 months its only when i sent a sar they requested all this proof is a sar a legal request do they have toreply within a certain time scale any advice would be deeply appreciated thank you all

  14. #39
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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    Hey man,
    Sounds like they are strengthening their position and confirming your who you say you are.
    Elderbridge are like a dog with a bone until they take you to court and go in for the kill. Before Elderbridge, Red Castle and Gothia where a joke, they never checked up on you and I was paying £200 a month. Now I'm paying £588 these guys are brutal don't mess with them.

  15. #40
    Fred's Avatar

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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    Quote Originally Posted by Spyker68 View Post
    Hey man,
    Sounds like they are strengthening their position and confirming your who you say you are.
    Elderbridge are like a dog with a bone until they take you to court and go in for the kill. Before Elderbridge, Red Castle and Gothia where a joke, they never checked up on you and I was paying £200 a month. Now I'm paying £588 these guys are brutal don't mess with them.
    By all means do not underestimate their legal rights on these loans but, they have also sailed very close to the wind on several matters which are being dealt with.

  16. #41
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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    I can not afford these payments, but I'm wasting my breath. They hold all the cards.

  17. #42
    pablo hunt's Avatar

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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    Hi elderbridge have stopped sending letters regarding arrears all correspondence is via text which is a link to make payment or phone calls has anyone else noticed this

  18. #43
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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    Hi. Has anyone sent a SAR request to eversheds and got data. After 3 attempts still not getting anywhere. They want me to write to a company called Arrow but ICO say head office in London is the address to write to.
    Thanks

  19. #44
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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    Quote Originally Posted by heather View Post
    Hi. Has anyone sent a SAR request to eversheds and got data. After 3 attempts still not getting anywhere. They want me to write to a company called Arrow but ICO say head office in London is the address to write to.
    Thanks
    They might be invoking client confidentiality and/or legal professional privilege.
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  20. #45
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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    Quote Originally Posted by heather View Post
    Hi. Has anyone sent a SAR request to eversheds and got data. After 3 attempts still not getting anywhere. They want me to write to a company called Arrow but ICO say head office in London is the address to write to.
    Thanks
    Hi I did a SAR request to elderbridge and got information on a disc from them it had copies of the original agreement paperwork and most of the letters from first plus it did take some chasing to get it though

  21. #46
    heather's Avatar

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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    Prior to proceeding phone call with eversheds we asked if it was being recorded. They said yes. So we need that info to make elderbridge go away. Elderbridge supplied SAR disc about a year ago but not all info on there so I asked them to fulfill the agreed data to us. They have replied by saying prove who you are??passport marriage certificate etc. Apart from this issue they are writing to me at my address! Have written to fca and ico to complain.

  22. #47
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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    Let elderbridge know of your complaint to ico I did this and received a cheque for £250 from customer complaints department

  23. #48
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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    I have done that....so I hope I will also get £250! Having said that every time they write to me, I write back stating I have already responded and enclose an invoice for time and money spent. I trying to raise funds to pay them off!! Lol.

  24. #49
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    Smile Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    [QUOTE=elder-rigged;687405]We have had the same issue with regards to the PPI refund being split so the arrears was not cleared in full. This meant that Firstplus court order for us to pay an additional £100 a month stayed in place. Took this issue up with Firstplus (Red Castle) with no response. Since Elderbridge took on the Loan I sent them copies of all letters and the signed "Acceptance" letter sent to First Plus to pay off all arrears and as yet 3 months later still no response on this.

    Mind you got a letter today from Elderbridge stating that the interest rate on our loan has been reduced due to the recent announcements, however after reviewing our account they are not going to pass this on!!! surely this is not legal as they are not reducing the capital loan owed and taking funds for arrears that should not be there.

    Let me know how you get on with them[/QU

    Dear Sir/Madam

    Ring me on 07973383055 between 11am - 8pm, and I will talk to you about what you could do now. We also have a court case with Elderbridge Ltd and so far we are winning. In the mean time research on internet OR YouTube words like SECURITISATION, UK SECURITISATION REGULATIONS AND LAWS, SPV'S (SPECIAL PURPOSE VEHICLES) NOVATION DEED, FRACTIONAL RESERVE BANKING, BANKING LAWS, PROPERTY ACT 1925, REDEEMING OF DEBT TO GET BACK YOUR ORIGINAL NOTE (NOT PHOTOCOPY)

    Hope this helps
    NMaya

  25. #50
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    Default Re: Claim against Barclays / Firstplus & Elderbridge Ltd

    Dear Sir/Madam

    Ring me on 07973383055 between 11am - 8pm, and I will talk to you about what you could do now. We also have a court case with Elderbridge Ltd and so far we are winning. In the mean time research on internet OR YouTube words like SECURITISATION, UK SECURITISATION REGULATIONS AND LAWS, SPV'S (SPECIAL PURPOSE VEHICLES) NOVATION DEED, FRACTIONAL RESERVE BANKING, BANKING LAWS, PROPERTY ACT 1925, REDEEMING OF DEBT TO GET BACK YOUR ORIGINAL NOTE (NOT PHOTOCOPY)

    Hope this helps
    NMaya

    - - - Updated - - -

    Dear Sir/Madam

    Ring me on 07973383055 between 11am - 8pm, and I will talk to you about what you could do now. We also have a court case with Elderbridge Ltd and so far we are winning. In the mean time research on internet OR YouTube words like SECURITISATION, UK SECURITISATION REGULATIONS AND LAWS, SPV'S (SPECIAL PURPOSE VEHICLES) NOVATION DEED, FRACTIONAL RESERVE BANKING, BANKING LAWS, PROPERTY ACT 1925, REDEEMING OF DEBT TO GET BACK YOUR ORIGINAL NOTE (NOT PHOTOCOPY)

    Hope this helps
    NMaya

    - - - Updated - - -

    Dear Sir/Madam

    Ring me on 07973383055 between 11am - 8pm, and I will talk to you about what you could do now. We also have a court case with Elderbridge Ltd and so far we are winning. In the mean time research on internet OR YouTube words like SECURITISATION, UK SECURITISATION REGULATIONS AND LAWS, SPV'S (SPECIAL PURPOSE VEHICLES) NOVATION DEED, FRACTIONAL RESERVE BANKING, BANKING LAWS, PROPERTY ACT 1925, REDEEMING OF DEBT TO GET BACK YOUR ORIGINAL NOTE (NOT PHOTOCOPY)

    Hope this helps
    NMaya

    - - - Updated - - -

    Dear Sir/Madam

    Ring me on 07973383055 between 11am - 8pm, and I will talk to you about what you could do now. We also have a court case with Elderbridge Ltd and so far we are winning. In the mean time research on internet OR YouTube words like SECURITISATION, UK SECURITISATION REGULATIONS AND LAWS, SPV'S (SPECIAL PURPOSE VEHICLES) NOVATION DEED, FRACTIONAL RESERVE BANKING, BANKING LAWS, PROPERTY ACT 1925, REDEEMING OF DEBT TO GET BACK YOUR ORIGINAL NOTE (NOT PHOTOCOPY)

    Hope this helps
    NMaya

    - - - Updated - - -

    Dear Sir/Madam

    Ring me on 07973383055 between 11am - 8pm, and I will talk to you about what you could do now. We also have a court case with Elderbridge Ltd and so far we are winning. In the mean time research on internet OR YouTube words like SECURITISATION, UK SECURITISATION REGULATIONS AND LAWS, SPV'S (SPECIAL PURPOSE VEHICLES) NOVATION DEED, FRACTIONAL RESERVE BANKING, BANKING LAWS, PROPERTY ACT 1925, REDEEMING OF DEBT TO GET BACK YOUR ORIGINAL NOTE (NOT PHOTOCOPY)

    Hope this helps
    NMaya

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