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dawny36

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  1. Right i know ive been away from ages but this is where im at regarding mums mortgage. Ok so I have spoken to the FSO who sounded quite positive about the complaint but i realise there are laws and proceedures to adhear to so I am keeping an open mind. i am in the middle of putting all paperwork together. This includes, all mortgage and broker documentation, letters from creditiors writing off their debts, letters from my local MP who was heavily involved in helpuing writing the debts off. leters from her doctor, and medical dischage relating to her suicide attempt. Letters from the police and criminal justice sytems which stat the crimes and sentances passed on her then partner and payslips proving what she earnt at the time. I am also writing out a detailed explaination of the cirumstances that have lead up to this point and I am going to point out the http://lexisweb.co.uk/cases/2001/mar...ltd-and-others case which have considerable similarites. Does all of the above sound ok and is there anything that you may feel i have missed out? Ill keep you posted
  2. Sorry to bump this thread but does anyone have any idea which direction i should go in next? Thanks
  3. Right finally they have sent me something, its the application form together with the Title information document that they hold on file. The salary state is £17,000.00 , my mum earns £9,000.00 and is now on tax credits. It is ticked on the form that no supporting documentation to back up the fact that she earnt that amount of money has been sent. She never saw a solicitor. There is also an FSA reference number but im not sure if that is for the broker or the mortgage company.There is paperwork on file for a company called Conveyancing Direct solicitors showing detals of completeled registration etc. What should i be looking for here? As i said the mortgage was obtained under sever duress, the ex partner finally being imprisoned for the violence perpetuated against my mother and no one at anytime came and saw my mum, it was all done over the telephone. Thanks everyone. I do appreciate your help here Dawny x
  4. Thank you for that little Gem!!! Ive been searching for cases that were similar to my mums so im over the moon with that. Thank you
  5. On the basis that this company sounds incredibly dogey then wouldnt it be worth taking your chances re the legal system? Its highly unlikely if they are con men that they weould legally pursue anyone through the courts. As for them taking money out of your account when you dont even have a loan is scandalous! basically its theft and the police should be called.
  6. Wayne surely if you concentrate on one loan at a time the charges will got rhough the roof on the others and make them totally unmanageable? Is there anyway the other companies will hold on and freeze interest until you are in a position to pay them?
  7. Jesus this is crazy! Can they seriously enforce these crazy interest charges? Will these people not give you anytime at all to get things sorted even if it was only one month? Surely there is something in consumer law somewhere that states these companies have to work with thier clients who are in financial trouble? And even if you sent a CCA request would they even have one? There has to be some protection somewhere.
  8. Wayne someone will be along soon. Try not to worry.
  9. Sorry to be a pain can you tell me where abouts that thread is?
  10. Nearly 2 years ago now i was having some problems with Sky who kept taking their DD out of my account twice. I dealt with the Branch Manager of the Nationwide who sympathised with me and refunded me the charges that they had charged because of this. I was having problem after problem with Sky and ended up cancelling them, however i still had a charge of £20.00 on my account from the Nationwide. My argument with the Nationwide is that I had cancelled my DD with Sky and them on numerous occasions which they could see. So i basically refused to pay the £20.00 and told them to naff off and close my account. Ever since then they have been adding charges. I think its around £550.00 now and now they have sent me a Default notice and now passed it on to Fredricksons. I need to sort this really, what do you think is the best way for me to go about this? Thanks
  11. But Jamie, and please dont think i am being argumentative here, there are laws in place and comsumer laws that protect the consumer from this kind of harrasing behaviour. Unless you are used to dealing with these sorts of people it can be very intimidating and frightening. It takes no time at all to print and send the letters off thanks to the templates on here. But this is only advice like your giving and its Happy Gals choice. I just hate it when people are in fear of these companies as i have been through this and worse and i remember what a state it got me in.
  12. yeah do that Happy Gal because there is nothing worse than being embarrased at work and scared to answer the phone.
  13. I actually would send the letter. Why should Happy Gal be terrorised at work??? Send them the letter Happy Gal , make sure you send it recorded delivery. Make sure you keep proof of delivery and then if they continue tell them vocally and by letter that you will report them to the office of fair trading, financial ombusdman and anyone else you can think of (maybe local MP) and to the police (dont know if the police thing will work but worth a try:)) It angers me beyond beliefe when people are harrassed by these companies. Tell them its absolutley not acceptable. Take charge of the situation.
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