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.
About 5 years ago myself and my wife bought our first house ater about 1 year i lost my job and we had money troubles we went behind on all the usual payments but scraped together the mortgage payments for several months and this led to huge arrears with everything else.
we ended up with serious arrears with credit cards, Next, mortgage etc.
After getting a new job and seeing the c.a.b. I set out to pay everything back but at what I could afford. in the end the only way we could see out of this was to sell our house and use the money we made to clear everything. We did this and as I was discussing the situation with the Halifax (who would not help in the purchase of our second house due to the mortgage arrears and poor credit history) they told me that I had got mortgage protetion insurance for unemployment and that i would have been able to claim but it was too late.
Had i known we had this covered i would have claimed and would not have had the poor credit history and been in-debt to credit cards etc.
so we moved house and ended up with Kensington who charged the earth in interest but they where the only ones that would give us a mortgage.
i would like to know if there is a way of being able to claim from the Halifax for the 6-8 months of mortgage payments and also the subsiquent arrears and poor credit history and the fact that 3 years down the line we are almost back to where we where with a reasonable intrest rate and being able to buy things that we want because every penny has been going to pay the high interest mortgage.
If there is anyone out there able to help,i would greatly appriciate the help and advice.
Mortgage unemployment protection
payments for several months and this led to huge arrears with everything else.
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