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.
I was made redundant at the end of May and had enough foresight to take out redundancy insurance.
The insurance people want the claim form signed by the JobCentre (fair enough), but trying to get them to do this is proving v frustrating as they won't do it until I'm "in the system".
This means it looks like I won't have enough to pay the full mortgage this month.
Any advice on if I should contact Capstone or what will happen if I miss a months payment.
Cheers.
p.s. It looks like I could have got a job with the council (fingers crossed), but they're taking ages to confirm it and get the documentation out.
Can't believe how slow the public services systems are
Thank goodness you had redundancy insurance.
I do not believe it is anything to worry about, but I do understand your concern, in particular regarding the missed mortgage payment.Have another go at the Jobcentre,someone who has authority,ask how long,its causing possible difficultys with your lender.
I would write to your lender and inform them of your situation and let them know not to expect a payment in June I agree the delay is unfortunate but hopefully your mortgage company will be sympathetic.Hopefully.If they arent come back and we will think of something.But i would contact them witthout delay.Hopefully avoiding charges-mmm,we will see.Tell them about the insurance,they may require policy details etc.Good luck getting the job with the council,fingers crossed.Tawnyowl.
Unfortunately Capstone are NOT one of the sympathetic ones and will add charges for late payment. If possible write to inform them of the situation(send recorded as they are prone to saying they did not receive) and pay what you can.
As for the job centre personally I would sit there and make a nuisance of myself until the papers were signed. If they refuse to help ask to make a complaint to a senior manager.
Unfortunately these days you have to make a lot of fuss to get things done.
Best of luck
ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE either SPML/PML/LMC/SPPL; the following are DIRECT tel#s, of the investigating & prosecuting organisations:
DO NOT say you are from CAG-only directly affected or a concerned citizen. 1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633 2. CH : Lee Jenkins(prosecuting Amany Attia for SPML/PML) @ 02920 380 643 3. CH : Mark Youde(accounts compliance) @ 02920 380 955 4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108 (part of the Insolvency Service) investigating all the Lehman lenders 5. CIB : Jeremy Pilcher('unofficial'-consumer/company law) : @ 0207 637 6231
__________________ File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!
Redundancy and mortgage with SPML/Capstone
insurance.
Reply With Quote
