West Bromwich Building Society Tracker Margins Legal Action

Reply to the comment left by "Andy Bell" at "13/11/2013 - 16:21":

Andy I have been in touch with CAB as well. I am waiting for someone else to get back to me as they say each office is independent. If I hear anything that might be of use to you I will post it on here and let Mark know as well.

Dean

REPORT FROM OUR IT TEAM

"I've found and fixed the problem. Pagination was not being applied if you were looking at the page in a browser that has never left a comment before. I went over the comment pagination code and make a few tweaks and now it seems to be working as it should."

Reply to the comment left by "Mark Alexander" at "13/11/2013 - 15:26":

Yep, great article. The WB response is interesting -
“We believe the details and the reasons behind possible changes in rates of interest are stated clearly. It is no different to any other T&C of the mortgage. Everything has equal prominence.”

So it's only their belief! in the same way as Father Christmas!
Everything thing has equal prominence? Depends on a blind spot that hides everything else that mentions "for the Lifetime"
And still no mention of the condition that says details on the offer letter take precedent .

Reply to the comment left by "Dean Turner" at "13/11/2013 - 16:29":

They information that WBBS has on myself indicates that it relates to post-May 2013 information... UNLESS it has relied on a speculative telephone call I made to it in January 2013 suggesting I might be considering increasing our property portfolio and whether it had any suitable products.

I did have an Experian account until about 6 weeks ago and nothing was showing on it then, so I'd assumed that WB had searched its files only very recently.

Very interesting!

Reply to the comment left by "Mark Alexander" at "13/11/2013 - 16:35":

Just checked, yes fixed. That should help on search, page load speed being one of the factors. Good work Mark and IT Team.

Dean, OK we'll see what comes back.

Reply to the comment left by "Mark Alexander" at "13/11/2013 - 16:35":

Mark, that has certainly fixed the 'browser freezing' problem for me. Thank you.

Reply to the comment left by "Andy Bell" at "13/11/2013 - 16:51":

Andy, this is a reply I had today I will see what happens next

Dear Mr Turner

Your request has been passed onto our training colleagues to consider how we might best brief information on this issue for the consumer helpline. Individual Citizens Advice Bureaux are independent charities and independent of the consumer helpline with different areas of expertise so they may take a different approach to dealing with the issue.

I am sure our training colleagues will be in touch shortly,

Kind regards,

Jo Orsler, Service Information Manager

Citizens Advice consumer service

Reply to the comment left by "Dean Turner" at "13/11/2013 - 16:29":

Hi everyone, and especially Dean (further down),
I've not put in much regarding the website, as there is a lot going on and people have pretty much covered the things I was concerned about; but just to assure you that I am reading each and every comment. However, I have been actively promoting our cause!
I also sent a longish e-mail to MoneyBox, just to put a little more pressure where I believe it's needed. Who knows, maybe, just maybe they'll realise the significance of this when/if it becomes clear that it'll hit people in general.
Dean: As you say MoneyBox aren't overly interested in we landlords - and nor the media and public in general as they're invariably criticising us for one thing or another. It's something I really feel strongly about, for I've never head anything positive said about landlords; it's always been a victim mentality on the behalf of the tenants, as if we're greedy, unfeeling or just generally uncaring and avaricious. I'm sick to the teeth of this, to be honest, as we're always stuck in the middle, between the lender and the tenant: The lender can do pretty much as they please it seems, without much recourse for the likes of landlords being able to redress any unfair treatment. However, the tenants too have a lot of sway and influence over landlords.
So those two entities have much power, and in law, to protect them, but we landlords, who are the ones providing the PROFITS for the lenders, and ACCOMMODATION for tenants, are the ones taking all the risk AND with the least control and power. Far from tenants being 'vulnerable, WE are, but somehow we are the ignored party in all this, when without us there would be an even greater property shortfall!
So yes, MoneyBox, and other programmes like You & Yours, indeed like to jump on the bandwagon of mainstream debate - even though, ironically, the MEDIA is the primary cause of much of this anti-landlord stance with the public. They have been bashing us for far too long now. Am I the only one to feel 'victimised' here?
Also, I totally agree with your cynical view, Dean, that when we do start making inroads and positive change for we landlords with this Class Action, that they will certainly THEN scramble for the headlines. Suddenly we mean something, but not because they care about us, but merely listener figures!
I just hope they don't cry wolf IF we were to lose and tenant's rent has to increase because of this West Brom move. They can't say we didn't warn them!

SITE SPEED ISSUES

Thank you to all who submitted constructive feedback on site speed. Without you telling us about these issues we may know. As you can see, when we are aware of a problem it gets fixed very quickly 🙂
.

Reply to the comment left by "Dean Turner" at "13/11/2013 - 16:54":

Sounds promising.
They do, I think, all get the monthly updated AdvisorNet CD, if we can get on that, we might have cracked it.

I've just emailed the editor of Advisor magazine with the press release, just as a different tack.