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.
Dear All @ CAG Shattered dreams and shattered life’s
Brief history: Purchased 1st house at 19 lived on ‘bake bean’ lifestyle & let at 21. Sold & purchased our Property 1, much loved family home for 13 years & let 2003. Proceeds from 1st house, purchased gran’s house under right to buy & let for 15 years as Property 2.
To date: Purchased Main Residence 2003 with planning permission & now £400K equity available. Hard work/timing over 20 years our homes are treasured & carefully maintained with no history of debt. Property close to top senior school with impending serious degenerative illness aiming therefore to leave each child a home when 21.
Husband took lesser career 2003 to learn essential trades for up and coming house refurbishments/extension 2005 to coincide with father’s retirement and younger brother who has worked for us for 15 years.
Large stamp duty/solicitors fee 2003 meaning 3 missed payments on mortgage initially. To which 18 months payments ensured with negotiations ongoing with ‘Another company’ with charges being refunded 2006. 15k of undity odd’s n ends with banks/credit cards as to interest with consolidation 2005/6 accordingly.
REPOSSESSION IMINIENT: Please read attached statement (awaiting your instructions as to sending and who to its 20 pages long typical war& peace)
November 05: The mortgage company did not administer original directive two years prior, changing address account 2 and not account 1. To which the mortgage company provided defamation data to another company for amount arisen, then provided defamation data to our tenants requesting forwarding address already given.
Corroboration of original letter and a copy given collector for his company as to change of address and a copy given as to account 2 fully paid. Instantly refuting the debt, copies given correcting there errors to which he when he went away with a flee in his ear.
Therefore, our instant directives letter dated explained there administrative error instantly of re-addressing account 1 and not account 2 from Dates: 2004 (enclosed copy – item 2) to which we gave stringent directives dates as follows:-
1. A written requirement: as to your instant apology regarding erroneous data to The Company Services supplied by you.
2. A written requirement: as to your instant apologies regarding The Company Services who gratuitously visited our property providing erroneous data to tenants and requesting information previously directed to you date
3. A written requirement: as to your own recognition of your own administrative error, the amount of arisen we refuted instantly as to your own responsibility with our own corroboration of letter date
4. A written requirement: As to the mutual agreement by both parties as to an ‘amount arising’, instantly to which any amount if any, pending strict investigation by both parties and final conclusion.
5. A written requirement: as to mutual agreement made by both parties, therefore and any amount arising for you to consider instantly consolidation as to our impending developments to properties.
6. A written requirement: as to mutual investigation by both parties, for you to offer favourable interest rates on account no: 1 and account no: 2 instantly and therefore not to be hindered with our assurances of no hesitation with payments accordingly.
7. A written requirement: as to your recognition and instant apology regarding defamation data supplied by you to the company services and future data you gave a dependable declaration of this being correctly and safely administered by Mortgage Company faithfully.
8. A written requirement: as to your recognition and instant apology regarding defamation data supplied by you to tenants and future data you gave a further dependable declaration of this being correctly and safely administered by Mortgage Company faithfully.
9. A written requirement: as to your recognition of instant defaults that would normally arise, therefore a stricter higher level of intervention to safe guards our data with the credit security and stability. You gave another dependable declaration of being administered by Mortgage Company faithfully on a monthly/quarterly basis by writing to companies i.e. Credit Companies.
This information supplied daily Mortgage Company along with Property development originally. To which received usual apologies, written letters promised with faithful assurances of future data being administered safely and correctly. After being meticulously maintained by us prior. . Obviously apologising to not changing address and accepting this error. They apologised for providing wrong details to the counselling services then the tenants all of which were wrong. Continually, protection of our future data any defaults would be normally apply as to amount arising providing strict directives. Typically then a few weeks went by with there promises of letters unhindered futile. They do not do letters or email and these highly trained people fully aware of telephone commutation as to no evidence. This onslaught continued for 7 months with severe consequences to us as a family, borrowing for salary and our developments as to there instant default and repossession with typical lies adinvtum.
The tactic’s further applied by there solicitor when given repossession order as to 3 letter’s sent with no reply from us. This could be taped today and picked up from where I left off saying that I have been away in France as to our prior conversations with there solicitor and the mortgage company if need by again
The original directives divided amongst many departments and senior manager with letters sent onset from us oblivion 7 months 5 months then with there solicitor. To which I have had to sit tight. The amount arising due to there error and now our house are being repossessed. Something is wrong somewhere as to all the conversations that had to be by telephone what did we talk about the weather I am waiting copies all calls in and out over the past 15 months.
The repossession order or slapped all over the door a few days ago. Shall I again offer to pay for there administrative error, then as to not enough money in the bank as to amount arisen apply to a credit card! Can’t do that they defaulted me. Shall we have to borrow from family or shall I go to auction, or sell for cheep as chips to stop repossession lenders. Indeed all the rules and regulation obviously do not apply so what about ‘Repossess one house and get the other free!!!’
My abstinence is causing much anxiety obviously if need be I will have to take all of the charge on the chin by taking out a higher rated loan to pay indeed all the debt having arisen with us now. Our credit report is indeed pretty colours, I refuted the amount that arose due to there error to which they did apologised and typically for 7 months would not put anything in writing and the only form of communication was the telephone. They did not negotiate and 7 months they used every tactic known to man to get us to pay the arisen amount.
The original directive were extremely strong with letters following apologies in one conversation and denying it the next over 7 months. To which I had not choice but to administer, they were written to regarding harassment but this only fuel the fire. They indeed were waiting for us to make a wrong move as right from the onset were on the wrong footing, Big house, nice cars, other houses skiing in France, retirement early, building a house in France yet she won’t pay the arrears as we’ve made the error!
When going to broker, as to moving forward for a 50k loan having to accept all charges, tie-in etc and early redemption were huge as there instant repossession and default. The equity available we indeed could have pursued buying another couple of properties to let to which again I procrastinated I just couldn’t believe that our previous unblemished financial history of 20 years was binned. It might as well have been a CCJ. I now couldn’t even buy a TV on 0% finance let alone buy other buy to lets. There error, compiled with further trigger happy administrators as to repossession and there default to which they hadn’t even told me about this, we had to find this out by ourselves while for many weeks this company promised faithfully to administer data and defaults which I told them to as to our borrowing. They clever tactic continued they obviously don’t do letters and they don’t e-mails so what else were we supposed to do? The 50K loan obviously with a specialist mortgage company but all the charge incurred as to there default I was not going to take on the chin!
I have a file collated as to there other many mistakes along the way as to them not replying to directives I have had to wait for there instructions which were slapped on the door the other day. To which, I have opened the one but not the other; I cannot open one of the repossession bulks as there sticky back tape will rip the entire original!!! There solicitor has signed and dated it but not written her name and the dates don’t tally up and that’s just for starter’s.- Shall I ring them up again or leave it till the court case and show the judge that we indeed could not open the original without totally damaging it.?
This default system has ruined us as they took the stance they we wouldn’t pay and all we were doing were minding our own business having no debt for 20 years. The information I have tried to collate at least 150 calls which will show on call statements as to also have meant I have been unable to do anything else but work on this case to get as much details as possible. I think you will all agree this is a mind bender, just need excellent representation now as a by the way since August I still have loan applications which can be applied for as to pay debt off just before court case, or shall I apply today to try and get it adjourned for a while or indeed to all at CAG wish to turn up with me????
The letter which is now like a statement is 20 pages long; I wish to send to CAG but initially worried as to the evidence being seen. The statement has taken 6 months so far it needs finishing I keep adding to it and it also needs someone who has excellent legal knowledge regarding this subject. So this is what happened since then.
January 06: Friend’s 600K property renovation near completion. They paid for flights, knew situation as to misunderstanding, Hubby’s best friends for 35 years, with much planning to move to France as to our degenerative illness and there autistic child. Plans applied for buildings on land close to renovated property for us.
End of January 06: No written details forthcoming from the mortgage company. Just in case applied for 1st loan for 20K as typical debt tactics had started. Having total assurances of default being administered 14th November 2005 onwards, the loan was indeed declined. Family/friends rallied round with food as monies were extremely tight especially after Christmas and husband project ceasing October 2005.
February 06: Wasn’t sure as to why we had be declined so naturally went to all three banks/managers of 20 years only to be declined with written bumph to contact credit companies.
Went to our broker who had the experience of an underwriter there; the broker and I had no knowledge regarding this subject; to which it was ascertained that the assured ‘6 months misunderstanding’ had been appliedimmediately i.e. December 05. Written: 6 defaults (6/Dec credit very poor).
The Experian report: Date: a higher score generally indicates that lenders will consider it less risky to lend money to you. This score reflects the information held by Experian on the date show here: Date: your credit score category is :< BR> Very Poor Poor Fair Good Excellent<BR>how you compare against the Nation: BR Very Poor.
The underwriter checked our previous 18 months credit showing no history of any faults/ remarks. This new default might as well have been a CCJ. Our only option was to remortgage main residence, as Property 1 was defaulted by 6 months therefore Property 2 same as both buy-to-lets were with same mortgage company. A lengthy process but all ‘hands on deck’ aimed for April 06 for equity release of 50K.
Robbing ‘Peter to pay Paul’ continued, the tenants moved out 3 weeks early and Property 1 was totally gutted. The main residence boiler then blew up with estimated cost of new boiler and labour costing 3K. Fortunately covered by a 3 star service paid monthly for all three properties, otherwise we would have had to applied for a loan or go without the necessity of hot water/heating because of there default!
March 06: The family car then required 1K in repairs to get through MOT. We couldn’t afford that so had to sell it, couldn’t have any HP obviously so part –exchanged for a knackered runner round. The excess monies contributed accordingly as to priority till monies came through. Again, a large proportion of this £ at the time in order to keep them From reposing not one property but two sweet went to Mortgage Company as still pending consolidation/fixed interest rate with regular assurances of the new default error to which we made them aware of being sorted immediately!
The bank investigation the showed the following to whom they originally blamed and continue to do so:-
The Bank Manager of the investigative bank astonished to discover our sudden poor credit status. The enclosed copy letters Date (Items 23, 24 and 25) detailing declination with referral to Credit Scoring Companies.
Unable to borrow any monies the Bank Manager identified the cessation of the monthly amount with the availability of statements available on-line to we were unable to access due to our laptop becoming faulty.
The following being identified as indeed your error again
The Bank name statement for Dates/Dates, enclosed copy – recognizes The Mortgage Company two monthly requests fell short of our income by 24 hours. Mortgage Trust automatically sends representation nine days later.
The bank name however, declined representation as over our agreed overdraft limit. Without further recourse the bank name, automatically stops the mandate. In this instance, ‘the higher amount of the two’ i.e. accounts no 1 higher and not the lesser amount i.e. account no 2.
It would have been your responsibility to have written to us regarding the initial bank refusal. It would have been your responsibility to have written to us regarding the initial representation. It would have been you’re responsibly to have written to us regarding the cessation of the mandate. Reiterating your administrative error; you did not change the new addresses to account no: 1 and only account no: 2 as per our directives dated as per date.
The consequences therefore were your direct debit took us £35, over our agreed overdraft before the salary next day. Your automatic representation nine days later caused immediate cessation from the bank. You did not recognise account 2 referred also to account no 1 having identical bank accounts and residential clarification. We reiterate your previous indictments are indeed your own administrative error again as per directives with details and date.
No monies therefore for the refurbishment to which contractors and trades were all cancelled. Younger brother obviously forced then to find alternative work, returning purposely to clear his arrears. This took a further 8 weeks, to which he then got collectors knocking at his door. With a family of six, 3 from previous marriage and 3 young children of his own, to whom they normally turn.
Indeed, the cheap paint ‘farrow and ball’ acquired in the January Sale had to be returned for much cheaper variety, whilst we took on the mammoth task of stripping/plastering/sanding/relining/priming & painting. Father enjoying the real benefits of his new retirement situation working only for the love of his daughter and having to share his packed lunch with son-in-law.
Delay caused immediately as decorating not our trade and we had no alternative to do the task ourselves as fortunately we already had the required tools. Tension high daily as decorating is husbands Achilles’ to which father became shattered. The task of 6/8 weeks took 12/14 both working ridicules hours, 7 days a week to catch up. Mortgage Company sorting default issue with written requests unhindered from legal dept.
April 06: Encouraged by broker to move on/forwards & not waste time chasing my tail regarding the default, done, that was that. The specialist mortgage company agreed to accept us with 8% escalating over 3 years with hefty ineffable ties in’s . Having previously had good lending criteria, when the statement arrived for early redemption for a further £8000.00. Compiled with usual broker/solicitors fees, I procrastinated, unable to accept these additional charges on the chin! To which, we were also pursuing buying another two properties for further buy to let to which we have all the details. Again continual promises with prevarication from Mortgage Company this was originally taped but daughter kindly taped over it at Christmas 06.
May 06: Mass panic to my indesiveness, invariable thinking ‘I’d lost the plot’. The Co-ordinator from hospital who has helped for many years as to degenerative illness came for many weeks to try to get us help financially i.e. food, uniform etc. Applied for a crisis loan only to be declined obviously as to properties to which we then went to charity/ family.
The banks defaulting daily with our endless reassurances as to forthcoming funds. No money coming in, no rent/new utilities and the house half refurbished. Five houses in the street had sold quickly & family supporting us continually concerned as to monies and sheer graft done. Mother-in-law continually getting upset offering us an open cheque book to at least get the bathroom done. A basic bathroom suite as we already had the shower/shower screen with plumbing materials at hand which hubby did over 4 weeks, yet no matter how much we tried to cut costs they carried on with taps, tiles/grouting etc..
Below Houses Sold:-
Sale Date Price Type Address 06/10/2006 £188,500 map Semi. Address in Street 25/08/2006 £167,500 map Semi. Address in Street 27/01/2006 £189,500 map Semi. Address in Street 26/01/2006 £160,500 map Semi. Address in Street 23/09/2005 £195,000 map Semi. Address in Street
June 06: Husband I unable to speak to one another without arguing both worse for wear being sick, sleepless nights and much anxiety for months. This felt by children, with younger child soon to go to senior school. Family/friends and by this time old neighbours doing there up most to help. The co-ordinator from the hospital had been assisting for sometime, the situation escalating beyond belief with daily repercussions to which she continually got upset about along with us as to the complexity and our frustration.
Husband had no alternative but to return back to employment, we were 30K short of salary, less 5K rent etc. A CV had to be organised, compiled with prospecting to get employment/freelance contracts. The previous commitment to the property meant he was totally exhausted causing the next situation.
The mortgage to the main residence defaulted March and April 06. To which we had paid a huge amount to this mortgage company, now why on earth would I run the risk of loosing our main residence having spent 18 months prior administration with total commitment to the other mortgage company. Indeed the other mortgage company owed us what amounted to £2,700 but when we defaulted they did not apply these admin fees to which time we were back up to three missed payments and they took us to court. Embarrassed/upset having previously promised this was ok or so he thought, he was working day and night and also based it on assumption of the 50K, hiding then the court papers when they came knowing the enormity/effect on me as to previous commitment. .
I approached our solicitors to adjourn court case. Walking in with a wheel barrow of files and ended up walking out with the wheel borrow of files leaving the solicitor with the repossession order and one letter. Initially ‘Raised an eyebrow’ I would do by now with all the rubbish going on, as I now wished to concentrate on all fee’s over 6 years indeed excited as to my new findings (yourselves!!) with regular updates to our newly appointed solicitor.
July06: Husband gets freelance project for twelve weeks. Pays for us to live working silly hours again and all weekends to recoup any monies but it’s to late as finances have
Been non existent from October 05 with drastic consequences that were unstoppable.House valued but because only half finished we would loose 20K.
The newly appointed solicitor did not adjourn court case then did not reply for 1st week as ‘busy’, the 2nd week did not receive my-emails as there email was down to which 3rd weeks sent in the post some CAG exciting News to which he replied interesting. Hubby instructing me to let the solicitor get on with his job he knows what he is doing! The solicitor then sent the main mortgage company’s solicitor a letter that was pathetic the letter had five paragraphs and 3 of 5 starting with the word ‘Would’ - At this stage I’m us to BBC and your standards of letters!! Then solicitor went for a two weeks holiday, leaving one day Friday before the courts case on Tuesday the day after bank holiday. I inevitably began to suspect the solicitor just appointed as previous dealings with this practice has been unsurpassed.
Then to top it all, the solicitor rang me to inform me that he couldn’t make the appointment that day Friday as he had been tied up in court which took a lot longer than expected and needed to return to office. Therefore could he get Q and A tomorrow Saturday?
To which I roped in bestest buddy who is ‘head of dept for a big building society’ with nearly 20 years experience. The solicitor arrived 1 hour late, he asked for the Q and A and didn’t even know the name of the person who I was dealing with, asked if I could attend the court hearing, he felt this inappropriate. A few other questions were put forward regarding the case that unless he had read the file there was no way he could answer. These were unacceptable, to which we left company. Another one with a flee in his ear.
Best buddy fill ups trying to calm husband down who’s throwing up. This is a nightmare, nobody as yet seems to have much knowledge regarding data protection both having worked in finance industry for many years with little knowledge again as to this subject and she’s advanced. We had a brief discussion as to subject matter with a few article’s being read indeed buddy acknowledging there company had been affected by customers requesting these 6 years statements and every body was running around like headless chickens. Only option now represents myself in a couple of day’s then get a secured loan and take it on the chin! The appointed solicitor obviously didn’t have the knowledge …just our luck and another story to tell.
Five weeks however had gone by with one day sort thing out. The appointed solicitor did his necessary parting speech and then represented myself, showing them a copy letter from CAB and BBC 1. The judge read this to there solicitor i.e. for main residence and then agreed repossessions suspended with a further £100.00 pm. indeed peering over his classes … whatever I did, It saved us.(Mind you he probably felt sorry for me as I looked terrible and went in my flip flops!! As again we thought it would be adjourned on the basis that I didn’t have a solicitor!
Aug 06: Received a letters from there Solicitors to instruct us of repossession to whom I spoke a couple of time yet more or less Mortgage Trust had never heard of us?? Biggest problem our relationship is naturally breakdown, I am standing my ground which hubby perceives as dog headedness. Applied for secured loans again which have been sitting there ever since! Our credit scoring is now pretty colours!!!!!
September 06: My intention by this time was to just get a loan, as bestest buddy had agreed but fees/interest were huge and our credit was now pretty colours. I wouldn’t accept this on the chin. The Extension expired on our main residence. Our relationship totally broken down lost the plot scenario. Loan sitting in the in-tray waiting.
October 06: There solicitor rings requesting our expenditure I have said nothing and we do not answer the phone. The severity of what is happening I just gave up as my husband and I going down the divorce courts having been together nearly 20 years and married 14. Just sell the house at auction, Stop Repossession now ‘it back and rent it outfits. IVA etc …bankruptcy how on earth had all this happened.
November 06 Then our eldest daughter started to have panic attacks then we had to have paramedic’s as she became very ill. Then regular monitoring us family and friends with doctors and the school. As to mummy and daddy’s arguing, this wasn’t meant to happen!!
December 06 We had calm the situation right down our bickering had started to affect our eldest with us now realising that no money in the world is worth our daughter’s health so endeavoured to ensure she had the happiest 13th and both our children were indeed spoilt by there many family members and friends.
January 07 Probably one of the worst experiences of our life’s. Things are ok’ish the effect on our daughter made us stop. Money is not everything….then in the next breath I say ‘it’s our reputation’!
It’s taken me a month to get the thread written. I do hope it’s read by many as even when you have the money it can be snatched away by trigger happy idiots who were only doing there jobs, and other than a shotgun (so to speak) for the unwritten requests the hundreds of phone calls with letters going on I then waiting for the lord almighty to call there’s nothing we could do. We are bust and that’s that! 20 years down the pan in a couple of months.
The statement which started off as a letter to the Director is unfinished but I needed to start this tread to get your thoughts please feel free to tear it a part If and when I send it add/omit with your comments ….. The implications have nearly cost us everything but at least my husband an I have managed to pull together for the sake of our children, my stance is sue the hind off them , my husbands is run were intact.
February 14th just to say hello you’ve given me the determination to keep going ‘A huge well done I think CAG is smashing’!!! After you’ve read all that you’ll probably want to run off but come on join in it’s been interesting so far …
Sorry this is too long for me to take in - could you briefly explain what has happened, where you are at and which company it is you are dealing with? And also what you aretrying to acheive.
I really will try gizmo111 - I had orignal prove of our change of address when the ddm was refused they did not make us aware to which there were 6 months of unpaid payments. A collector called at the tenanted properted to collect apparant debt.
We refuted this immediately, and have been bullied ever since, the usual tactic's and lies from these companies carried on for 7 months. They refuse that the amount that arose is indeed because of there own error!
5 months later the house is going to be repossessed. They were given strict instructions to our data protection. to which now our house is about to be repossessed pending me having to take this on the chin by going down the loan route!
Thanks Justine
The following being identified as indeed your error again
The Bank name statement for Dates/Dates, enclosed copy – recognizes The mortgage Company two monthly requests fell short of our income by 24 hours. mortgage Trust automatically sends representation nine days later.
The bank name however, declined representation as over our agreed overdraft limit. Without further recourse the bank name, automatically stops the mandate. In this instance, ‘the higher amount of the two’ i.e. accounts no 1 higher and not the lesser amount i.e. account no 2.
It would have been your responsibility to have written to us regarding the initial bank refusal. It would have been your responsibility to have written to us regarding the initial representation. It would have been you’re responsibly to have written to us regarding the cessation of the mandate. Reiterating your administrative error; you did not change the new addresses to account no: 1 and only account no: 2 as per our directives dated as per date.
The consequences therefore were your direct debit took us £35, over our agreed overdraft before the salary next day. Your automatic representation nine days later caused immediate cessation from the bank. You did not recognise account 2 referred also to account no 1 having identical bank accounts and residential clarification. We reiterate your previous indictments are indeed your own administrative error again as per directives with details and date.
The DDM was stopped. I did not pick this up, relaxed as to our finance are in order and do not go through Statements monthly, dont have to salary goes in DDMs out accordingly. Also all statements online, to which my laptop was bust. So 6 months went by, the one account up-to-date accordingly ie property 2 but other in arrears property 1 by 6 months of non payment.
I refuted the amount arisen, it's not my problem if they don't change there details its there problem! It fell into a debt because of them being unable to write to us. Only discovered when they passed private data to another organisation to collect debt at our old address, to whom he then gave private date arrears/arisen debt to our tenants who provided him with address details.
The morgage company even though they have been given a copy of the orignal directives 2 years prior insist the debt is our's... How can debt that arose be suddenly our debt, it was there error To which they then blamed our bank for the mandate stopping 6 months earlier again this issued clarified in other link. It wasn't the banks problem it was there responsibilty to write to us as to happenings 6 months prior.
You must understand this part ... Not only that, this amount that had arisen would cause an immediate defualts on our umplemished credit history, To which I immediatley refuted also.
I orignally offered to negiate possible consolidation as to some of the amount but they instantly applied the 6 months default then a repossession order based on the arisen amount not any monthly payments as we continued to pay without any hesitation. The defualts of 6 months are worse than a CCJ. I' have not paid the amount arisen, I refuted onset as to the repoccussion and still do.
Because of my stance the amount arisen property 1 is with there solictors pending repoccession. All this becasue we did our job of giving them the orignal directives from 2 years prior. . It could be our other property tomorrow pending there dirty tricks. lies and indeed more lies.
Its about our reputation our data, not only the amount arisen but the 6 defualts that come too and all I was doing was having a cup of tea.
So your DD didnt go through one month and you didn't notice. Then you continued for 6 months not to notice your mortgage payment wasn't leaving your account ??
Yes that correct! We have a few mortgage accounts rent goes in to cover payments out. for the two properties on buy to let then there our main residence. ok
sorry about previously going to other link it's just so happens that the morgage company is on there list will keep to this one now daglo had a very similar case!
I think you'll find and someone shout me down if I am wrong - but you have responsibility also to ensure that your payments are made. Did you receive paper statements from your bank - you have been defaulted because by not making 6 pyments you er defaulted o nthe agreement. Did you offer to pay the 6 months arrears when you realised the error?
no longer have paper statements all online activited, when we moved house we weren't on line for sometime, no excuses however. the amount arisen has been continually offered to pay back but because of the immediate default we could not borrow money as to normal interest rate indeed all our banks turned us down as to default then went to broker again huge tie' in etc. The arisen amount onset is still in dispute accordingy as to borrowing
As to agreement made, resposibility duty likewise, its perfectly acceptable therefore, when the 1st DDM was returned they did not take any responsibility as to, when the mandate was represented, they did not take any responsibility as to, mandate stopping they did not take any responsibility as to. The 1st months arears they did not take any resposiblility as to, 2nd months arrears they did not take any responsiblilty as to 3rd month 4 month 5 month 6 month they did not take any responsibility as to, as to then not correcting there details is therefore then perfectly acceptable for the responsibility to be given to a third party then another as in the tenant to which it is perfectly acceptable then to apply a damaging defualts as they have no responsibility therefore
you therefore are saying that it is my responsibility and not there's for not picking up this information up. Surely, they did not take any responsibility for upto 6 months to which could have been immediatley irraticated based on there written letter as to aforemention, then initial missed payment of upto 6 months?
As to the amount arisen, disputed as inopportune misunderstanding as to final concluded investigation. They have never, written to us subject matter, therefore this is acceptable to?
The defualts applied were in dispute as to inopportune misunderstanding which if an amount was owed we had no hesitation with payments ie loan, or consolidation with them, with there immediate faithfull assurances. This therefore is also acceptable as saying one thing on the telephone and indeed applying another?
Typical tactic's for 7 months with 100 of requests to put in writing also futile. This therefore must also be accptable?
Indeed the defaults that were applied onset, they have not written to us regarding this either. Therefore this must be acceptable also?
Buy one House Get one Free!!!!
, or sell for cheep as chips to stop repossession lenders. Indeed all the rules and regulation obviously do not apply so what about ‘Repossess one house and get the other free!!!’
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