Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Hi hope you can help!! will make this as short but to the point if i can.
My elderly relatives live in my home and i payed the mortgage, i live in england with my family and due to divorce i became finical stuck and in different accommodation (bed sit)
My relatives received an initial write then some weeks later so did i, i told my relatives to go for legal advice, and i tried to come to an arrangement with the lenders solicitors.
My relatives legal advisor's contacted the lenders legal team and between them told my relatives to vacate the property 8-10 weeks after the date of the write, the property was vacated some weeks before i was due to go to court for the hearing! i filled in the court paperwork to stop repossession but failed to submit the papers to the sheriff on time, i lost the case due to no response on my behalf, believing the property was repossessed i let it go! but complained to the Finical Ombudsman as i had received no notice from the lender or relatives legal adviser of the agreement they both made to move my relatives out!!
3 months past and i got a letter from lenders solicitor stating i owed £xxxx and if i didn't contact them they would start legal proceedings and gave me 14 days to reply! i contacted them and they said i could add extra payments to the mortgage and this would be OK with the lenders
the next day i received a letter confirming the same conversation
I wrote to them asking for all correspondence to me from the date the arrears started as they never once sent me any details at all, and even when i wrote to them asking for a copy of the agreements between them of the conversation and arrangements to move my relatives out i was refused? they said it did not involve my data protection
So i have a empty house and relatives that will not speak to me i don't even know ware they now live! and a bank happy for me to pay them at a little extra a month on the mortgage
the complaint is still open with F.O. so i need to put my case to them!!
Can any one tell me what laws the lenders have broke or should i just tell F.O. these events!!!
Morgage Bank Mess Help!!!!
, i live in england with my family and due to divorce
i contacted them and they said i could add extra payments to the mortgage
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