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HSBC mortgage final demand


masymas
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I wonder if anyone can please help or advise about this situation.

 

I have a home that I currently rent out and the mortgage is paid up to date etc.

I had some financial difficulties when everything crashed in the late 2000's.

 

 

I missed one or two mortgage payments due to being out of work a long time ago, probably 5-6 years.

The arrears were paid up almost immediately and have been on time ever since.

I have lived with my girlfriend for 4 yrs and have let the house for that period.

 

 

Today I received a letter from HSBC for the full balance for the property, a FINAL DEMAND.

 

 

I dont know why they would send such a letter as, like I said I am all up to date.

I am wondering if because I should have let them know I was letting the house

I am now in default, and should have been converted to a buy to let mortgage.

 

If anyone could shed any light on this I would appreciate it. Thanks

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What else does the letter say, can you scan a pdf of the letter with any personal ir identifying information removed please

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So the mortgage is up to date and not in arrears at all?

 

If so, write to them asking why they are sending you a final demand, it looks like a generic letter and may be a mistake in sending to you but until you write and ask you wont know.

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I am wondering if because I should have let them know I was letting the house

 

 

yep

 

 

broke the terms of the mortgage I suspect????

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes the mortgage is completely up to date. There is no reference to the mortgage it says loan. No account numbers no arrears as there are non, and no explanation as to why they want full payment. I also thought it looked generic... I intend to write this weekend and get some clarity. Thanks

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Im sure there must be some mix up here...if the loan is per the terms of the agreement then it must run the length of the the agreed term...otherwise the creditor is breaking the agreement...It cant just be recalled/terminated at their discretion if no default or arrears exist.

 

Phone them and ask what is going on.

 

Andy

We could do with some help from you.

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Pop back when you know more, we are always here to help in any way we can

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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  • 10 months later...

threads 1 yrs old

 

 

better to start a new thread

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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