hi, hope someone can give me some helpful advice ok, i have a mortgage with capstone & a secured loan with kensington. i have fallen behind with my payments on both. anyway, with some amazing luck i had an offer on my property after a year of trying to sell, it is going through at the moment. kensington have me in court or the 3rd time on sept 11th for possession of my property , as they say we owe over 2000 in arrears, ...1400 is charges i might add...& ourp[ayments were always more than normal payment, but as our last 2 payments were 1 day late they went straight for possession. first time judge threw it out. second time was adjourned ...coming up for the third time. so i phoned them & explained that i want the court date canceled & i want a settlement figure, i said i wouldnt be paying the charges ...they said they would send me out the early settlement. recieved it today....its bull**** they also charge 145 quid for sending you this letter for the settlement fee. anyway what i want to know is, can i offer them a settlement fee or do i have to pay what they say???....help lol. thanks

ok last sept i bought something from brighthouse .... i always pay with my card over the phone. i usually pay every 2 or 3 weeks. i have been harrassed by phone , calling my guarantors & telling them why they were calling, harrassed on my doorstep...the first time the manager called at my house & demanded i pay the 3 weeks immediately or they would seize my goods..i explained i would phone & pay at 330pm the next day...i was warned if i didnt he would be back.a couple of months later, my next door neighbour knocked on my door & said that a collector from brighthouse had knocked on her door asking her to pass on a message that i have to phone brighthouse as i was behind on my payment.the next day the collector called at my door wearing a brighthouse shirt & at the top of his voice started to tell the whole street how i was 3 weeks behind & he wanted the item ...i said he couldnt have it & i will phone & pay the next day , again i was told ...if it wasnt paid he would be back. i changed my phone numbers so they couldnt keep calling me. just today at 610pm, the collector & manager were at my door ...they wanted immediate payment or they were going to take my item, as the manager was reading my card details over the phone to his colleague at the store...the collector was chatting with my neighbour....i couldnt believe it. he took the payment & left ...i feel so bloody angry ...i will never ever use brighthouse again.

my montly payment is 626.00,they say i am 1,910.52 in arrears, which includes this months payment due before the end of the month. when i read through the statement it included around 755.00 of fees. our payment was reducd to 533.00 a month from january, this year & we werent informed so just paid the regular 630.00 so that is already almost 100.00 off the arrears.....although now the pyment has been reduced (i think is due to interest rates) they are saying we are almost 4 payments in arrears. they want 150 a month extra til march 2010 to get rid of th arrears....we can defiately pay an extra 100.00 on top of the 533.00 a month....its what we were paying anyway

thanks ell-en, capstones litigation dept said they will cancel thecourt date ifmy paymet is recieved before 1st march & i make another payment a few days before the hearing date then i can phone them & they will discuss it. yes i we have missed a couple of payments last year.

yes thats the way we pay it too, as my partner is paid weekly & self employed, they were ok with it at first. im sure you wil get lot of help on here, everyone is here to help & i woud be in a state without this website.

funny cos thats how we pay with capstone & they are telling me that our payments are late too cos they arent paid on the due date...but surely if the payment is due on the first then as long as its paid by the end of the month before the next due date then it should be ok...shouldnt it??

march 18th

yes ell-en thats it.

this morning recieved the court letter. when reading through it, the bit in the letter about payment history they have lied!!!!.....they have gone from nov08-feb 09...each month a payment recieved but january says a 2nd payment not recieved ,wtf????what 2nd payment we paid our mortgage in full each of these months!!! ,no payment for feb yet cos we r paying it next week!!!..... i am getting very worried that they are trying to stitch me up....even though i am paying my mortgage .......what do i do??

thanks ell-en.....i think they are trying to have my pants down to be honest x

hi ell-en.....i have a statement with everything on thats how i cameto see my arrears contained a lot of charges....theyare saying that i owe them just over 1900.00 in arrears....now i was aying 630.00 a month, that makes 3 payments behind (including this months which will be paid next week) however one of those supposed arrears payments is actually made up of arrears management fees...so in my eyes i am only behind 1 payment but because they add the charges to my arrears & my payment is now 533.00 the are saying im 4 behind!!!! if you could help me with the letter that would be great thanks

agreed an extra 150 a month to clear my arrears. my court dte is set for march 18th & i haveto phone them a fw days before & make a payment towards my account before they will cancel the hearing......i am well & truly ****ed off....it will take me til march 2010 to pay back the arrears....most of them charges!!!!

phoned tlt today they told me to phone spml. phoned capstone, the snotty girl in litigation said its their policy to add arrears charges to the arrears......!!!!!! she did an income & expenditure & said that i have a spare 900.00 per month, lol....wouldnt have arrears if i did....so have to work it out & phone them back otherwise they want an extra 200-300 extra a month....& they will not cancel the court date until closer the time.

hi midge 61 thanks for your reply. i am contacting the solicitors tomorrow to sort this out, what i need to know is am i right about the arrears fees not allowed to be added to my mortgage arrears???....cos if i am then yes i am only 1 payment behind, also looking further into the statement my m onthly payment has gone down to 533.22 a month for the last 2 months we have still been paying 630.00 a month, they have never informed us of tis change, so we will be paying 100.00 extra a month off our arrears i dont understand how they can go for repossession ....

just to add, the last time i spoke to capstone/spml, i did ask if my fees were being applied to my arrears & she siad no they are added to your mortgage, so if thats the case why are they on the statement showing they are added to my arrears???.....

ok today i recieved a letter from TLT solicitors on behalf of SPML stating that as i have failed to clear the arrears on my mortgage account they have issued court proceedings for possession of my property. they have enclosed a statement.. , my montly payment is 626.00,they say i am 1,910.52 in arrears, which includes this months payment due before the end of the month. when i read through the statement it included 755.00 of fees....for being in arrears. now i was told that any fees applied to your account were added on to your mortgage not your arrears, please correct me if im wrong, now if i am right i am only 1 payment behind ....what do i do???? please help

i can wait til tomorrow, thankyou so much for all your help

no, im afraid i dont, sorry

Sorry Ell-enn, i dont know how to open the attachment, when i click it, it says find, or save....so click on find & i cant lol, sorry..

thanks Ell-enn

ok thanks Ell-enn, if you could please send me the drafts thanks x

it was a secured loan for 13,000. my house is currently up for sale. the reason for the arrears is my partner was laid off from his job & has had to move down south for work,it is costing us more for us both to live & petrol, but his job brings in our main income & my hours have been cut.i spoke to national debtline, they told me to contact kensington & inform them & see what they could do to help.they said just try to pay as much as possible, which we have, & now this.

thanks Ell-enn,i am just so ****ed off, this is only a secured loan for 13,000 not my actual mortgage. The guy i spoke to had no intention of doing anything to help me, he just kept saying i have issued a default from today, & you must pay this money before the 28th or it will go to litigation. so after the 6 or 7 times he had said that, i asked him what it meant, as you think he would have told me. i told him i can make a full payment on the 24th which is 243.00, & make an arrangement to pay off the remaining arrears but this was still not good enough!! my house is up for sale, i dont want to lose it before i sell it.

ok, i have a mortgage wit capstone/spml...we have fallen behind with our payments, they sent a letter saying if we didnt pay so much it would be referred to their solicitors, blah blah. contacted them, sorted out an arrangement, great. the same had happened with our secured loan we hold with kensington. phoned them today, and we are behind by 4 payments including the one for this month. they had instructed a debt counsellor without my knowledge, which i refused, so nt only do i get a charge of 94 quid for them instructing him but also 54 quid fee for cancelling!! anyway i have been told that if we dont pay 510.00 pounds before the 28th & my regular payment by the 28th my account will be passed over to litigation. the guy i spoke to has issued a default against me starting from today!! when i asked what they could do to help he said nothing as you are over the 2 months arrears, if you dont pay the required amount then it will go to court.even after explaining that 6 weeks ago i spoke to someone else at kensington & they said just keep paying as much as you can, he still wouldnt budge. dont know what to do.

ok, so what should i do now?.......do i send them another letter or just wait for them to contact me?