Hi All,

I was wondering if you could provide some advice please.

We took a mortgage out on our current property with Mortgage Express back in 2003.

From then until 2009 we made EVERY payment ontime, every single month.

in September 2009 we hit some financial difficulty and

I phoned them to see if I could request a 1 month holiday payment.

I was advised yes I could and it would be added onto the end of the mortgage

and a need to reschedule payments would not be needed. Superb.

No need to cancel the Direct Debit, nothing at all.

About a year after that we started to receive phone calls and letters telling us we were in arrears.

I explained the situation and

they denied all knowledge of what I had been advised.

They knew Id asked over it, yet did not agree they had said anything of the sort.

I asked them to produce a copy of the phone call that took place, however they "cannot find it"

- Roll on until 3 months ago, the odd phone call here and there, me explaining the situation, them denying it.

3 Months ago,

I phoned them and advised that I was sick of letters and phone calls

I will agree to start to repay them.

I went through a financial breakdown with them, (which with 5 kids is near on impossible)

as i offered 50 pounds per month on TOP of my mortgage to reduce my arrears.

They said that I couldn't rely afford that, as my outgoings were more than incomings,

(they never are - however when someone asks you how much you spend on kids shoes per year - what do you say).

I argued with them and told them I could afford that.

They told me then could I cut costs in other places and get back to them.

To be fair we havent heard anything since today....

In all the time we have and still are continuing to pay the monthly amount on time.

tonight I come home to 2 crappy typed up letters,

one addressed to the "Tenant" and

one to the "Occupiers"

telling me that Proceedings to Re-Possess our house have commenced, and I am due in my local court at the end of May.

Can someone please advise me here on where I stand.

Does this need to go to court?,

Can it go to court?

- If I have offered payments to reduce arrears and argued the toss with them,

how can this be the next stage.

We simply dont want to lose our house and we are absolutley petrified with rage.

Any advice, comments, tips would be MORE than appreciated.

Many Thanks

B Pool.

what statements have you been getting.

have they been charging you arrears fees etc etc

can you scan up the letters too please

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though DONT USE BANK NAMES or CAG in the title

i'e Default notice DD-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

dx

Hi Dx,

Yes we were getting charged arrears fees, (cant remember exact figure)

which I always told them I would try to claim back once settled.

We only received 1 statement a year from them. We are due one around now.

So I cannot scan anything at the moment (all others have been misplaced).

Definitley been charged arrears.

scan the letters please

get an sar off to them

that'll give you every statement too.

dx

Will do. Ill scan them asap and post em up.

Thanks Dx.

Hi Dx

Apologies for not being back on

- had some pressing family issues to deal with.

i phoned them after reducing my payments to an unsecured creditor and offered them the difference,

they blatantly refused again and

the person on the phone (who i have put a complaint in over) said

"you dont have a leg to stand on, im taking this no further - good evening"

and slammed the phone down.

After i had calmed down I then rang again the next day and

spoke to another person, who again went through my outgoings.

- They told me i still had more going out than in, even with the creditor difference.

I then questioned my incomings details they had.

COMPLETLEY WRONG.

Yet they still refused and said see you in court.

I then had a friend in finance type a letter up and i faxed and emailed them,

threatening to report their conduct to the fsa and fca, f

ollowed by another call - another manager then ok'd my offer.

I said Ok, ill just tell the wife and we can arrange that.

This was a £150 payment a month on top of my mortgage.

Spoke to the wife - she was so releived as I was.

Phoned back ANOTHER called looked at the form of incomings and outgoings

and told me it was impossible for me to pay it!!!!!

Again I questioned the forms incomings.

STILL WRONG.

- Re did the form for incomings and outgoings again

- this time i had a lower disposable income but they accepted £80!!!!

So now hearing cancelled, letter from solicitors confirming that and new payment of only 80 quid more. RESULT.

This company though, are bandits.

The scare tactics and hounding are incredulous.

Only that letter and me continually questioning this has resolved this.

Thanks for the initial advice and people be warned,

Mortgage Express are a proper set of bandits.

Anything to make a quick buck by reposessing your home and selling it on.

Bpool

they'll be back

get that sar off ASAP

and lets get you some money back

I bet they owe you £1000's

dx

I agree with dx. Send off that SAR and keep off the phone! If they ring just tell them you'll only deal with them in writing and put the phone down.

If you think you may be in arrears and can afford it you could start paying a bit extra off, which would make it difficult for them to take you to court, but as dx says, they probably owe you.

Hi

Well, the saga continues. - I ended up paying the month holiday payment back at £50 per month which is now clear. Got a statement today, and we owe 580.00 in fees and arrears.

I have questioned them on the phone and they have said that we have had field agents etc - (we havent) and no letters to say we have. Letters, phone calls all been charged this year too. Had none as we had a payment arrangement in place....

However the most shocking thing in all this is, that after all the payments etc our balance has been reduced by virtually nothing.

Is it a case of SAR time. as we have been murdered on interest.

no not interest penalty charges and you were told to SAR and get reclaiming over 2 yrs ago!!

dx

Ok thanks. As for the SAR, yes I know and we were starting the process, unfortunatley, new jobs, deaths in the family all came as priorities.

I have questioned the field visits and have asked for proof of visits etc to start.

you don't need to question them

they are unlawful as all the penalty charges are

letter/phone/visit/late/it raining

reclaim them all

and any stupid insurances they made you take out too.

dx