Hello, my name is XXXXX XXXXX it is my pleasure to assist you with your question today. Legal action would be rather difficult. You cannot claim for stress or inconvenience caused by their actions as the law does not cover these. You can only claim for actual losses you have incurred as a result. At this stage you only have experienced delays in the mortgage process - you have not lost any money as a result of their actions. What they have done is unprofessional and is obviously affected you, but it is not enough to take legal action at this stage I'm afraid. Also legal action is not something you should just jump at - remember you still have to pay money to the courts to make the claim, then also prove you have a valid claim, so there is always a risk that you may lose the claim and incur further expenses just for trying.
But if my mortgage is refused I will lose money
But I do understand the point. Thanks
Yes, but that is still an ‘if’ at this stage. Also you are going to find it very difficult to show remoteness and that such losses were reasonably foreseeable. There must be some link between the breach and the losses and it is also going to be difficult to show that it was reasonably foreseeable that an incorrectly completed P45 would have resulted in losses relating to a mortgage. It will be a difficult claim that’s for sure.
you are welcome, all the best
they should be, it may be a technical glitch. In that case you can just type your choice and we will process manually later, thanks
Excellent service thanks