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mortgages, words, breach of contract

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Re: mortgages, words, breach of contract

Postby preacherman » Sat Mar 24, 2018 7:16 pm

Smouldering Stoat wrote:
preacherman wrote:well your the lawyer but looks like a contract to me.

'xxx have advised they will need some additional requirements to fully offer the case'
If I then gave the requirements?


So you didn't have an offer? How can you have had a contract?


well I was told they would now give a mortgage (offer) to me that had been previously declined, once they received certain papers, which they have received.

now there saying need to reapply.
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Re: mortgages, words, breach of contract

Postby Smouldering Stoat » Sat Mar 24, 2018 7:46 pm

They said they'd make you an offer. At best it is an unenforceable agreement to agree.
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Re: mortgages, words, breach of contract

Postby preacherman » Sat Mar 24, 2018 7:50 pm

Smouldering Stoat wrote:They said they'd make you an offer. At best it is an unenforceable agreement to agree.


well i see it that the word offer means 'mortgage', not offer in the sense of a bargain in a contract.

'gonna make you an offer you cant refuse!'
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Re: mortgages, words, breach of contract

Postby Smouldering Stoat » Sat Mar 24, 2018 8:09 pm

An offer's an offer.
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Re: mortgages, words, breach of contract

Postby preacherman » Sun Mar 25, 2018 3:21 pm

http://www.legislation.gov.uk/ukpga/2000/8/section/52

why is all the information missing?


What is unfair?
Under BCOBS, your bank has a duty to operate your current account so the consequences are not unfair to you.

Your bank cannot just go ahead and apply your contractual terms regardless of the consequences.

It is obliged to have regards to your interests, when making decisions.

Your bank may want to say they are only obliged to treat you fairly within the limits of the account contract.

However, fair treatment under BCOBS means you are entitled to receive fair treatment despite the limits of the contract (otherwise BCOBS would be rendered completely ineffective by the bank's terms and conditions).

If you discuss your bank's treatment of you calmly with a group of friends or colleagues and the general feeling is you have been treated unfairly, then the chances are you have been.

Unfairness depends on the circumstances.
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Re: mortgages, words, breach of contract

Postby atticus » Sun Mar 25, 2018 6:04 pm

Are we now discussing your current account?
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Re: mortgages, words, breach of contract

Postby preacherman » Sun Mar 25, 2018 7:20 pm

no but its still unfair :lol:
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Re: mortgages, words, breach of contract

Postby tph » Wed Mar 28, 2018 9:20 pm

Normally any offer made by a bank is time limited. Was this the case?
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Re: mortgages, words, breach of contract

Postby preacherman » Thu Mar 29, 2018 6:31 pm

tph wrote:Normally any offer made by a bank is time limited. Was this the case?



Not sure will have to check.They Told me take property off market and we will give you mortgage. Sent them evidence (my letter to estate agent cancelling contract) bank responded they wanted clarification from estate agent that they had stopped marketing it ( I got that as well and sent it) then they said, you need to re apply now!
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